ICICI BANK GOLD LOAN

Gold Loan at 1%* p.m.

Apply & Get Instant Money

About ICICI Bank

ICICI is one of the renowned financial organizations, known for its good financial products. Gold Loan is one of the financial products given by ICICI Bank. Bank caters all the needs and concerns of the customers in the very proper way. Bank provides very fewer burdens on the customers because of the special facilities are given to the customers. There is no need to go the bank branch for the inquiries.  The only thing you need is a mobile phone and an internet connection. You can easily apply for an ICICI gold loan at very low-interest rates,  and you can get so many extra benefits by applying through lendingwale.com.

Feature

  1. ICICI Bank provides the facility of gold loan disbursal within 45 minutes. Loan disbursal is so quick and easy. The customer doesn’t have to wait for
  2. Amount of loan to be provided by the bank is 75%of its value.
  3. The documentation process is very easy. Very fewer documents are required for the approval of the gold loan.
  4. Tight security provided by the bank.
  5. Transparency is provided to the customers for reliability.
  6. ICICI Bank provides extra perks to their existing customers.
  7. The maximum amount of gold loan provided by the ICICI Bank is 15
  8. ICICI Bank has launched “ Mera imobile “ app for the customers of rural areas so that they can easily get a gold loan for their agricultural activities.

    Eligibility

There are some conditions that the applicant should fulfil to get a gold loan. These  are written below

  1. Age of the applicant should be more than 21 years and less than 65 years. He/she should be able to return the loan amount on time.
  2. She/he should have some rigid source of income so that he can give an interest rate to the bank.
  3. Applicant should have gold in the form of coins/ jewellery/bricks. But the purity of the gold should be 18 karats to 24 karats.

    Purpose

You can use ICICI Gold Loan for many purposes. Gold Loan can be used for personal purposes, for business purposes, and for the agricultural activities. But the interest rate on a gold loan provided by ICICI Bank is generally 1% or 2% less than the other customers.

Documentations

    1. The whole process is very easy and simple. Documents required in the very simple form. You instantly get a gold loan after issuing the documents. Identity proof (Passport/Id card/voter card/driving license) can be any one of them. Everyone easily has these documents so there is no problem with the submission.
    2. 2 passport size photos, a passport is needed because a passport has a name, age, address and photograph of the customer. If you are having a passport then there is no need to bring your address proof separately. But the passport should not be expired.
    3. Residence proof can be Aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
    4. Driving license is also regarded as a proof of identity and residence proof because it contains the name, date of birth and a photograph of the customer. But the condition is that it should not be expired.
    5. Aadhar card provided by UIDAI that contains biometric details of the customers like age date of birth and photograph of the individual.
    6. PAN card is the permanent account number that is provided to the customers and it prevents from the financial frauds. So it is also considered as an identity/residence proof. Pan card is very essential document under KYC (know your customer)
    7. Ration card is also considered as a residence proof because it provides enough information about the applicant.
      Calculator & Rates

ICICI  Bank provides a gold loan calculator to their customers. With the help of this calculator, the customer can easily calculate the amount of interest that he has to pay per year on the desired amount of loan. The customer can easily calculate his/her EMI’s without going to the banks actually. He can easily get to know that whether is he able to given EMI’sor not. By using this he can save his time as well.

Renewal Facility

ICICI Bank provides the facility of renewal of the gold loan means if a customer wants to extend to his gold loan then he can do so, but he/she has to pay some additional charges like Rs. 250 for one lakh and Rs. 350 are charges for amount between 1 lakhs to 2 lakhs. For the amount, greater than three lakhs the charges are Rs. 500.

Interest Rates

  1. Interest rates can vary from 11% to 15% per annum.
  2. Tenure – few days to 5 years. The customer can return the loan amount even after two days and can get back his/her gold ornament or can pay back the loan after five years. The customer is free to choose.
  3. Method of returning the loan amount can be by cash. The gold will  released after the complete return of the loan amount.

Why LendingWale

Why we are suggesting applying for the ICICI Gold Loan by using lendingwale.com over other sites. Lendingwale.com knows the value of your precious time. So you will get so many perks if you apply by using this site. 

  1. First of all if you apply for the Gold Loan from lendingwale.com there are so many benefits.
  2. You just have to fill the ICICI Gold Loan form and you will get a call from outside automatically.
  3. You may get some more concessions on the interest rates.
  4. There is no need to go to the bank.
  5. Besides that documents pickup facility from your doorstep is also available.

You don’t need to go here and there to ask for interest rate or to get to know about EMI ’s. All you need is to apply on lendingwale.com and you will get back a call back within a few minutes with all the information. Therefore Gold Loan is only one step away from you.




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