IIFL Finance (IIFL Finance: Gold & MSME Loan app) App Reviews, Customer Care Number & Details

IIFL Finance's own app for gold and MSME loans; its personal loan ended in February 2024

This IIFL Finance (IIFL Finance: Gold & MSME Loan app) app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified IIFL Finance (IIFL Finance: Gold & MSME Loan app) customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

The IIFL Finance app, listed on Google Play as IIFL Finance: Gold & MSME Loan, is run by IIFL Finance Limited, an RBI-registered NBFC that lends its own money. The one thing to know first: IIFL's own fee schedule says its personal loan was discontinued on 16 February 2024, so the app now mainly sells gold loans, with business loans alongside. So this review covers the gold loan. IIFL publishes amounts from ₹3,000 to ₹30 lakh over 12 to 24 months, at 9.72% to 27% a year depending on the scheme, plus a processing fee of up to 2% and GST. We tested those terms against RBI records, including a 2024 order that halted its new gold loans, and against recent Play reviews, as of November 2026.

Quick Facts

4.7★ · 1.4L

Play Store

₹30L

Max Loan

9.72% to 27% a year

Interest Rate

No time published: IIFL says the loan is 'disbursed promptly' after gold valuation and KYC at a branch visit; a 23 Oct 2026 Play reviewer says 20 to 30 minutes for the loan but 1 to 2 days to release gold

Disbursal

12 months to 24 months

Tenure

0% to 2% + GST

Processing Fee

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.0/5

IIFL publishes no payout time and needs a branch visit for valuation; one reviewer says the loan comes fast but getting gold back can take a day or two.

Interest & cost 3.5/5

A published 9.72% to 27% a year with a fee of up to 2% and no foreclosure charge is fair for a secured loan, though SMS, MTM, notice and auction charges add up.

App experience 2.5/5

The app holds 4.7 stars, but recent written reviews describe wrong EMI amounts, failed payments, no UPI option and top-ups that still need a branch.

Customer support 3.0/5

A helpline six days a week, product-wise complaint emails and named nodal officers with a 15-day reply promise, against many complaints about slow branch service.

Safety & transparency 3.5/5

An RBI-registered NBFC lending its own money with a full fee table, but RBI halted its gold lending in 2024 and fined it twice in 2026, once over unpaid auction surpluses.

Loan Details & Charges

Loan Amount ₹3,000 to ₹30,00,000

Interest Rate 9.72% to 27% a year

Tenure 12 months to 24 months

Processing Fee 0% to 2% + GST

Late Payment Penal charge 0.5% a month (6% a year) on the outstanding due amount, no GST; overdue notice ₹200 each (once in 90 days); auction charge ₹1,500; notice plus auction charges capped at ₹1,500 per loan account; all plus GST where stated

Foreclosure Nil, and no part-payment charge; a minimum of 7 days' interest is charged if the loan is closed within 7 days

Eligibility Criteria

Age 18-72 years

Employment Salaried and self-employed; the applicant must be the rightful owner of the gold

Documents KYC: Aadhaar, PAN, and passport, driving licence or voter ID; passport-size photographs may be asked; income proof for some high-value gold loans; gold jewellery of 18K to 22K

What It Actually Costs

Loan amount ₹3,00,000

Tenure 12 months

Monthly EMI No EMI: ₹3,000 interest a month, principal repaid at the end

Total interest ₹36,000

Processing fee ₹531 (0.15% = ₹450 + 18% GST of ₹81)

Total repayment ₹3,36,531

This is IIFL's own worked example from its Play listing: 12% a year, interest paid monthly and the ₹3,00,000 repaid at the end, with the fee counted in the total. At the 27% ceiling the same loan would cost ₹81,000 in interest (₹6,750 a month), and the maximum 2% fee would be ₹7,080 with GST.

Try the IIFL Finance (IIFL Finance: Gold & MSME Loan app) EMI calculator

Pros

The lender is IIFL Finance itself, an RBI-registered NBFC, not a middleman app
Gold loans from ₹3,000 at a published 9.72% to 27% a year, depending on the scheme
No foreclosure or part-payment charge, apart from 7 days' interest if you close within a week
A full fee table is published, down to SMS, notice, auction and top-up charges
Clear complaint ladder with named nodal officers, plus a published fraud advisory

Cons

IIFL's personal loan was discontinued on 16 February 2024, though old pages still advertise it
RBI stopped its new gold loans in March 2024 over purity checks, LTV breaches and auction lapses
RBI fined it twice in 2026, once for not paying some borrowers their gold auction surplus
Needs a branch visit for valuation; reviewers report slow gold release and app payment errors
Many small add-ons: ₹500 MTM, ₹5 a quarter for SMS, ₹200 notices and a ₹1,500 auction charge

Our Verdict

IIFL Finance is a real, regulated lender, and its gold loan is a mainstream product rather than a risky app loan. It sits in RBI's NBFC register as a Middle Layer investment and credit company, it lends from its own books, and it publishes a full fee table, named nodal officers and a clear fraud advisory. Gold loans also usually cost less than unsecured app loans: you can pay interest only, there's no part-payment charge, and closing early costs nothing after the first 7 days. The record has real blemishes, though. In March 2024 RBI ordered IIFL to stop new gold loans after finding lapses in gold purity checks, loan-to-value limits, cash handling, auctions and charges. We found no RBI notice lifting that order, but IIFL is plainly lending gold again in 2026. RBI then fined it ₹5.30 lakh in February 2026 and ₹3.10 lakh in May 2026, the second time for not paying some borrowers the surplus from auctioned gold. Small charges add up too, from SMS fees to a ₹500 mark-to-market charge. It suits people who own gold, live near a branch and need cash for a few months. If you wanted an unsecured personal loan, IIFL no longer offers one, so compare other regulated lenders.

Who IIFL Finance (IIFL Finance: Gold & MSME Loan app) suits

People with 18K to 22K gold jewellery who need ₹3,000 to ₹30 lakh for 12 to 24 months

Borrowers with a thin or weak credit history, since IIFL says a score may not always be needed

Anyone who prefers paying interest only and clearing the principal at the end

People who live near an IIFL Finance branch and can go in for valuation

Look elsewhere if

You want an unsecured personal loan: IIFL stopped offering one to the public in February 2024

You can't visit a branch, because valuation and many top-ups and releases happen there

You might miss payments: penal interest, notice and auction charges apply, and RBI fined IIFL over auction surpluses

Not sure the app is genuine? Is IIFL Finance (IIFL Finance: Gold & MSME Loan app) real or fake? How to check it yourself

Things to Watch

RBI's order of 4 March 2024 barred IIFL from new gold loans after it found lapses in purity checks, LTV limits, cash handling and auctions. We found no RBI notice lifting it, though IIFL is lending gold again in 2026.
Two RBI penalties in 2026: ₹5.30 lakh (order of 6 February 2026, for not classifying some restructured accounts as NPA) and ₹3.10 lakh (order of 11 May 2026, for not paying some borrowers the surplus from auctioned gold).
Old personal-loan pages still show two different rate bands and an Apply Now form, although IIFL's fee schedule says the product was discontinued. Treat any 'IIFL personal loan' offer with care.
Play's data-safety form lists only photos as collected, while IIFL's privacy policy says it reads financial SMS and any contact you pick as a reference.
Dozens of recent five-star Play reviews praise IIFL home loans in near-identical Hinglish lines on an app built for gold and MSME loans, so the 4.7 average looks inflated.

How to Apply for IIFL Finance (IIFL Finance: Gold & MSME Loan app)

1

Install the official app

Download IIFL Finance: Gold & MSME Loan on Google Play (developer IIFL Finance Limited) or IIFL: Gold & Business Loans on the App Store.
2

Verify and book a visit

Register with your mobile number and OTP, set an MPIN, then book an appointment at your nearest IIFL Finance branch.
3

Take your gold and KYC

Carry 18K to 22K jewellery with Aadhaar and PAN. The valuer checks purity and weight, and you can borrow up to 75% of the gold's market value.
4

Check the terms before signing

Read the scheme rate, processing fee and add-on charges in the sanction letter before you sign. The money goes to your bank account.

Documents Required

Aadhaar card

PAN card

Passport, driving licence or voter ID as extra ID or address proof

Recent passport-size photographs, if asked

Income proof for some high-value gold loans

What Real Users Say

Google Play shows 4.7 stars from 1.37L reviews and 50L+ downloads (updated 22 Oct 2026); the App Store shows 4.6 from 12k ratings. Treat the average with care: in the latest month many five-star posts are one or two words, and dozens praise IIFL home loans in near-identical Hinglish lines on an app built for gold and MSME loans.

Most recent Play reviews are five stars, but the written ones are mostly about servicing gold loans: paying in the app, top-ups and renewals, and getting gold back.

What users love

Short posts praise easy, quick service, and even some unhappy reviewers say the gold loan itself is quick to get at the branch.

Common complaints

Updates that show the wrong EMI or block custom payments, no UPI option, top-up and renewal buttons that fail, missing closure letters, gold release taking a day or two, SMS charges despite 'no hidden charges' claims, and EMI reminders for a business loan the app does not show.

How IIFL Finance (IIFL Finance: Gold & MSME Loan app) Compares

vs Muthoot FinCorp — Another RBI-registered NBFC lending gold loans from its own branches and app; compare scheme rates and add-on charges side by side.

vs Oro Money — A gold loan app funded by Federal Bank and partner NBFCs, worth comparing if you want a bank-backed lender.

vs Tata Capital — If you need an unsecured personal loan rather than a gold loan, Tata Capital is a large RBI-registered NBFC that still offers one.

How we tested

Checked in November 2026. On 4 November 2026 we read IIFL Finance's gold loan, personal loan, fees and charges, grievance, contact, advisory and partner pages and its privacy policy, plus the Google Play and App Store listings and the latest month of Play reviews. We checked RBI's NBFC register as on 30 September 2026, RBI's March 2024 order and two 2026 penalty notices. RBI's Digital Lending Apps directory would not load, we found no RBI notice lifting the 2024 order, and we took no loan.

IIFL Finance Customer Support Details

IIFL Finance runs one helpline pair, 1860-267-3000 and 7039-050-000, from 9:30 am to 6 pm on weekdays and until 4 pm on Saturdays. Gold loan customers can also email gold-helpline@iifl.com, while other loans use the raise-a-request form on IIFL's website. Many gold loan tasks still need a branch visit. If nothing moves, write to the nodal officers, then to the Principal Nodal Officer after 15 days, and go to RBI after 30 days.

IIFL Finance customer care number	1860 267 3000
IIFL Finance WhatsApp number	NA
IIFL Finance customer support email ID	gold-helpline@iifl.com
Registered lending entity	IIFL Finance Limited (RBI-registered NBFC), which lends directly through its own app
IIFL Finance grievance officer email	nodalofficer@iifl.com

Verified from IIFL Finance's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full IIFL Finance (IIFL Finance: Gold & MSME Loan app) customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is IIFL Finance safe and RBI registered?

Yes. IIFL Finance Limited is an RBI-registered NBFC, entry 3077 in RBI's list as on 30 September 2026, and it lends its own money through the app. Its record isn't spotless: RBI stopped its new gold loans in March 2024 over purity, LTV and auction lapses, and fined it in February and May 2026. It is lending gold again, but read your sanction letter closely.

What does an IIFL Finance gold loan really cost?

IIFL's rates page shows 9.72% to 27% a year, while its Play listing gives an APR of 11.88% to 27%. The processing fee is up to 2% plus GST. In IIFL's own example, ₹3,00,000 for 12 months at 12% costs ₹36,000 in interest and a ₹531 fee. Add-ons include ₹5 a quarter for SMS and a ₹500 mark-to-market charge.

How much can I borrow from IIFL Finance, and for how long?

IIFL's app lists gold loans from ₹3,000 to ₹30 lakh, with extra checks above ₹30 lakh, for 12 to 24 months. The amount depends on your gold: IIFL lends up to 75% of its market value, using the 30-day average rate for 22-carat gold. You can pay interest monthly and the principal at the end, or choose EMIs.

Can I still get an IIFL Finance personal loan?

Not as a new customer, going by IIFL's own fee schedule, which says its personal loan was discontinued from 16 February 2024, apart from loans to its own employees. Some old IIFL pages still show personal loan rates and an Apply Now form. If anyone offers you an IIFL personal loan, check with IIFL before you share documents or pay anything.

What do I need for an IIFL Finance gold loan?

You must be 18 to 72 years old at disbursal, salaried or self-employed, and the owner of the gold. Bring 18K to 22K jewellery with Aadhaar and PAN; a passport, driving licence or voter ID also works as ID. IIFL says a credit score may not always be needed, but some high-value loans need income proof.

What is the IIFL Finance customer care number?

IIFL's helpline is 1860-267-3000 or 7039-050-000, from 9:30 am to 6 pm on weekdays and 9:30 am to 4 pm on Saturdays. Gold loan complaints can go to gold-helpline@iifl.com. If that fails, write to the nodal officers at nodalofficer@iifl.com, then the Principal Nodal Officer at pno@iifl.com, and after 30 days to RBI's ombudsman.

How do I file a complaint against IIFL Finance (IIFL Finance: Gold & MSME Loan app)?

Work the escalation ladder in order. First, raise the complaint with IIFL Finance (IIFL Finance: Gold & MSME Loan app) support (gold-helpline@iifl.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at nodalofficer@iifl.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from IIFL Finance (IIFL Finance: Gold & MSME Loan app) recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (nodalofficer@iifl.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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69	RuleMudra Decimus Financial Limited (formerly K.C.Fincap Limited); press release also names Basel Investments Limited (not confirmed by Basel)	4	₹1L	Up to 365% a year	Read Review
70	MoneyWide MyLoanCare Ventures Private Limited	4	₹3L	16% to 36% a year	Read Review
71	KarmaLife Partner NBFCs incl. Avanti Finance, Niyogin Fintech, Bhawana Capital and Resilient Finance (BharatPe Capital); the lender for each loan is named in the app and KFS	4	₹0	17.95% to 36% a year	Read Review
72	Godrej Priority Money Godrej Finance Limited	4	₹60L	10.99% to 18% a year	Read Review
73	Fi Money Stock Guardians (India) Private Limited (Fi Loans), plus Federal Bank, IDFC FIRST Bank, Aditya Birla Capital, Earlysalary Services (Fibe), Incred Financial Services and the P2P platforms NDX P2P (LiquiLoans) and Innofin (LenDenClub)	4	₹10L	12.75% to 36% a year	Read Review
74	Chola One (Cholamandalam) Cholamandalam Investment and Finance Company Limited (lends directly; owns the app)	4	₹3L	14% to 36% a year	Read Review
75	The Zenith Loan Zenith Machinery Private Limited	4	₹1L	264% to 456% a year	Read Review
76	Snap Paisa Ampire Finance Private Limited	4	₹1L	15% to 35% a year	Read Review
77	SalariedLoan Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
78	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
79	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
80	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
81	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
82	Ola Loan InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services	4	₹10L	Not published	Read Review
83	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
84	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	Read Review
85	Kredito24 North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)	4	₹40,000	0% to 73% a year	Read Review
86	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
87	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
88	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
89	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
90	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
91	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
92	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
93	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
94	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
95	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
96	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
97	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
98	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
99	True Fund	4	₹0	Not disclosed	Read Review
100	Tap4Credit	4	₹0	Not disclosed	Read Review
101	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
102	PayTrust	4	₹0	Not disclosed	Read Review
103	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
104	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
105	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
106	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
107	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
108	ATD Money ATD Financial Services Private Limited	3.7	₹50,000	36.5% to 182.5% a year	Read Review
109	InstaPe Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)	3.6	₹0	Up to 30% a year	Read Review
110	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
111	Lendingkart Lendingkart Finance Limited	3.5	₹50L	13.5% to 35% a year	Read Review
112	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
113	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
114	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
115	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
116	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
117	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
118	LoanTap LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender	3	₹10L	12% to 26% a year	Read Review
119	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review