IIFL Finance Gold Loan Interest Rate Today, 10 October 2026: Slabs, Per-Gram Cost & Schemes

IIFL Finance gold loan interest rate 11% – 27% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹917 – ₹2,250 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹941 – ₹2,310 On ₹1,02,660 advance · gold price updated 2026-10-09

Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.

How much will an IIFL Finance gold loan cost?

Two inputs decide what a IIFL Finance pledge costs you: the slab you land in (11%–27%) and how you repay. IIFL Finance offers 3 repayment shapes over 3–24 months, and switching between them below changes the total more than a point of interest does.

A Lucknow retiree pledging from her living room: doorstep appraisal for a ₹2 lakh cataract-surgery loan, sealed on camera, disbursed before evening — mobility constraints served with dignity.

IIFL Finance gold loan EMI calculator

Repayment structure
Monthly EMI
₹18,431
Total interest
₹21,176
Total repayment
₹2,21,176

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at IIFL Finance's mid-board 19%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,608/mo₹2,520/mo₹1,833/mo
₹1,00,000 ₹9,216/mo₹5,041/mo₹3,666/mo
₹2,00,000 ₹18,431/mo₹10,082/mo₹7,331/mo
₹5,00,000 ₹46,078/mo₹25,204/mo₹18,328/mo

Computed at 19%, the middle of IIFL Finance's 11%–27% range. A bullet loan on ₹1,00,000 instead meters at ₹1,583 monthly, with the whole principal falling due at the end.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹18,431 to ₹7,331, but you carry the pledge three times as long and pay roughly ₹42,744 more in total interest. At IIFL Finance the rate does not improve with a longer commitment, so every extra month is interest on a pledge you would rather have released. Match the tenure to the date your money genuinely arrives, not to the smallest monthly figure.

How much gold loan can I get from IIFL Finance?

Speed cuts both ways at an NBFC. Enter your weight and purity below so the per-gram figure quoted to you has something to be checked against. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

IIFL Finance gold loan amount calculator

Appraised value
₹2,73,756
LTV tier applied
85%
Eligible loan (max)
₹2,32,692

Indicative, on the 2026-10-09 reference of ₹14,943/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two IIFL Finance-specific limits sit around that figure: it lends from ₹3,000 to ₹50 lakh+, so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

The gap between a calculator and a IIFL Finance sanction letter is almost always weight, not price. Bring plain ornaments if you want the two numbers close.

Where IIFL Finance helps: urban network with evening hours matching NBFC convenience norms. Where it does not: history requires the diligence its present now supports: verify everything in writing.

One adjustment before you rely on it — deduct anything that is not gold. Beads, enamel, lac filling and stones all weigh, and none of them lends.

See IIFL Finance gold loan per gram →
Today's gold rate, city-wise →

IIFL Finance gold loan schemes

The 11%–27% band is not one product priced loosely. It is 2 distinct schemes, and which one you are sold decides both your rate and your repayment obligation. Asking for the right scheme by name is the single most effective thing a borrower can do at a IIFL Finance counter.

IIFL Gold Loan (branch)

Standard scheme-board lending across a wide urban network rebuilt on strengthened processes after its 2024 regulatory episode — assay and documentation now conspicuously by-the-book.

Doorstep gold loan

Appraiser-at-home service in covered cities: pledge, seal and disburse without visiting a branch — convenience explicitly priced.

Repayment structures offered

  • •Interest cycles + principal at closure
  • •Bullet schemes
  • •Part-payment supported

Charges beyond interest

  • •Scheme processing
  • •Doorstep service charges where used
  • •Standard default-path fees
  • •MTM provisions

Processing: scheme-based; doorstep service priced in.

Where IIFL Finance is genuinely strong rather than merely available: doorstep pledging is a real accessibility win for elderly and mobility-limited borrowers. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the bank tables on our hub will serve you better.

Is an IIFL Finance gold loan cheaper than a personal loan?

Cheaper, yes — a gold loan is secured and a personal loan is not, and pricing follows collateral. But cheaper money against your jewellery is a different bargain from cheaper money against your signature.

IIFL earns consideration on two specifics: doorstep service where leaving home is the real barrier, and urban-evening availability when banks are shut. Its pricing says “bridge, not residence” even louder than the category average — borrow for the emergency, document everything (the company now makes that easy), and plan the refinance the same week.

On ₹3 lakh, 24 months IIFL Finance gold loan Unsecured personal loan
Indicative rate 11%–27% 10.5%–24%
EMI at the typical rate ₹15,123 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure 3–24 months Up to 5–6 years

The NBFC case is not that it is cheapest. It is that it is open — on a Sunday, at a small ticket, to someone with no score — and a personal loan is none of those things.

On the numbers above, the gold route costs roughly ₹-434 a month less on ₹3 lakh over two years — about ₹-10,416 in total.

Where an unsecured loan wins: it lasts longer, and failing it is survivable. IIFL Finance's 3–24 months limit forces short repayment, and the collateral is the part of household wealth people are least willing to lose.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares IIFL Finance against every other counter on one table.

IIFL Finance's ladder: what each rung actually buys

Every rung on IIFL Finance's board answers one question — how much of the appraised value are you taking? Less drawn, thicker margin, cheaper rate; the ladder below frames the 11%–27% band on exactly that.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%11%₹917
~60–70%19%₹1,583
Max (75% cap)27%₹2,250

*Indicative framing of IIFL Finance's 11%–27% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

Run your ticket down the table: ₹2 lakh at the 19% middle rung costs ₹3,166 monthly, ₹10 lakh costs ₹15,830 — and shifting one rung down saves ₹6,660 a month on the bigger pledge. LTV appetite is the negotiation.

Drawn@11%/mo@19%/mo@27%/mo
₹2 lakh ₹1,834 ₹3,166 ₹4,500
₹5 lakh ₹4,585 ₹7,915 ₹11,250
₹10 lakh ₹9,170 ₹15,830 ₹22,500

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
IIFL Finance11%27%₹917
Muthoot Finance 10.9% 26% ₹908
Manappuram Finance 9.9% 26% ₹825
CSB Bank 9.7% 13% ₹808

Read floors against floors: a lender whose ceiling scares you may still hold the sharpest low-LTV slab. IIFL Finance's position above is one input; your appraisal and scheme pick decide the rest.

IIFL Finance full guide· IIFL Finance per-gram· Rate today· All lenders

IIFL Finance गोल्ड लोन — हिंदी में जानकारी

IIFL Finance सोने पर कर्ज लगभग 11% से 27% सालाना की दर पर देता है, और अवधि 3–24 months तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

IIFL Finance गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

IIFL Finance गोल्ड लोन की ब्याज दर कितनी है?
IIFL Finance में सोने पर कर्ज की दर लगभग 11% से 27% सालाना के बीच रहती है, और यह इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। कम हिस्सा लेने पर जोखिम घटता है और दर नीचे वाली स्लैब में आती है। ₹1 लाख पर मासिक ब्याज ₹917 से ₹2,250 तक बैठता है। असली दर मंजूरी से पहले मिलने वाले Key Fact Statement में लिखी होती है — वही मान्य है।
IIFL Finance से एक ग्राम सोने पर कितना लोन मिलता है?
IIFL Finance प्रति ग्राम कितना देगा, यह तीन बातों से तय होता है: शुद्ध सोने का वजन (नग हटाकर), जाँच में निकली शुद्धता, और लोन की रकम किस LTV स्लैब में आती है। आज 22 कैरेट का संदर्भ भाव ₹13,688 प्रति ग्राम है, और ₹2.5 लाख तक के छोटे लोन पर सबसे ऊँचा 85% वाला स्लैब लगता है।
IIFL Finance गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
EMI में हर महीने ब्याज के साथ मूलधन भी कटता है, इसलिए कुल ब्याज कम बैठता है। बुलेट में हर महीने सिर्फ ब्याज देना होता है और पूरा मूलधन आखिर में एक साथ चुकाना पड़ता है — मासिक बोझ हल्का, पर कुल ब्याज ज्यादा। बुलेट तब सही है जब पैसा किसी तय तारीख पर आना हो। अगर वह पैसा समय पर न आया और लोन बार-बार बढ़ाना पड़ा, तो हर बार नई जाँच और स्टांप खर्च लगता है।
IIFL Finance से गोल्ड लोन कितनी जल्दी मिल जाता है?
IIFL Finance जैसी NBFC में सोना जाँचने से पैसा मिलने तक का काम अक्सर आधे घंटे में पूरा हो जाता है, और कई शाखाएँ रविवार को भी खुली रहती हैं। यही इसकी असली खूबी है। बदले में दर बैंकों से ऊँची रहती है — 11% से 27% तक। अगर आपको पैसा उसी दिन चाहिए तो यह कीमत समझदारी हो सकती है; अगर एक दिन रुक सकते हैं तो बैंक का काउंटर सस्ता पड़ेगा।
अगर मैं IIFL Finance का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
सबसे पहले यह समझें कि नीलामी आखिरी कदम है, पहला नहीं। IIFL Finance नोटिस देता है, समय देता है, और नीलामी की सार्वजनिक सूचना भी। फिर भी सुरक्षित रहने का तरीका सरल है — जितनी जरूरत हो उतना ही कर्ज लें, और गिरवी रखने के दिन ही तय कर लें कि चुकाना कब है।

IIFL Finance gold loan — FAQs

Why does IIFL Finance charge different gold-loan rates on different schemes?
Because LTV is priced: schemes advancing less against your gold (55–65% of value) carry more cushion for the lender, and that safety returns to you as a lower rate — while max-advance schemes (75%) price the thinner margin. At IIFL Finance the indicative spread runs 11% to 27%; picking the slab is picking your trade.
What does a IIFL Finance gold loan cost per month per ₹1 lakh?
Per lakh per month at IIFL Finance: ₹917 on the floor slab, ₹1,583 mid-board, ₹2,250 at the ceiling. A ₹3 lakh pledge therefore meters between ₹2,751 and ₹6,750 monthly — scheme choice is that gap.
Are IIFL Finance's advertised gold-loan rates guaranteed?
They're indicative by design — compiled from IIFL Finance's public grids and market reporting, and subject to scheme and ticket. RBI's KFS requirement is your protection: the exact rate, APR and every charge must reach you in writing before you accept, and that sheet is the only version that counts.
Can I move my gold loan from IIFL Finance to a cheaper lender later?
Yes — gold-loan refinancing is routine: close and release at IIFL Finance, re-pledge at the cheaper counter (or use a lender's takeover process where offered). The choreography needs a same-day plan and re-pledging costs a fresh round of appraisal/stamp charges — worth it when the rate gap is points, not fractions.
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