⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Indiabulls Gold Loan

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Indiabulls Bank Gold Loan Key Features – Apply Now

Indiabulls Bank Gold Loan Interest Rate 7.0% per annum
Indiabulls Bank Gold Loan Per Gram Rate Rs. 5,121
Indiabulls Bank Gold Loan Processing Fee Up to 0.23%, a Maximum of Rs.20,381.
Indiabulls Bank Gold Loan Maximum Loan Amount maximum of Rs. 75 Lakh
Indiabulls Bank Gold Loan Prepayment Charges 1%+ GST on the Loan Amount
Indiabulls Bank Gold Loan Repayment Tenure Up to 3 years
Indiabulls Bank Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

About Indiabulls Bank Gold Loan 

Indiabulls Bank offers provides a facility of Gold loans for their customers. In order to avail the facility of this form of loan, the borrower needs to have an Indian nationality and physical gold with them. Indiabulls Bank Gold Loan can be used for a multitude of purposes. From payment of prior loans, to taking care of personal needs, or even traveling the gold loan amount can be used as per the borrower’s need and requirements.

  • Indiabulls Bank Gold Loan Interest Rate is 7% per annum
  • Indiabulls Bank Gold Loan Per Gram Rate is ₹ 5,121.
  • Indiabulls Bank Gold Loan Tenure is from 6 months to 36 months
  • Indiabulls Bank Gold Loan Processing Fee is 1% + GST 

How Much Gold Loan Can I Get Through Indiabulls Bank

According to the gold market rates, Indiabulls Bank offers a gold loan at the rate of ₹ 5,121 per gram. The bank is now offering a 90% LTV on Gold Loans.

Indiabulls Bank Gold Loan Per Gram – Updated January 2021

Updated - Gold Loan Per Gram Rate w.e.f 1st Jan 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

Why Choose Indiabulls Bank Gold Loan?

A lot of banks and non-financial organizations provide a Gold Loan. This is how Indiabulls Bank Gold loan is better than the rest of the banks and NBFCs offering gold loans.

  1. High loan amount from a minimum in thousands to up to Rs. 1 crore.
  2. Quick processing.
  3. Less documentation.
  4. Fast processing.
  5. Quick Disbursement.
  6. Low interest rate.
  7. Flexible repayment option.

Advantages of Indiabulls Bank Gold Loan

Advantages of Indiabulls Bank Gold Loan via Dialabank

  1. Indiabulls Bank Gold loan is multipurpose in nature.
  2. If you have all the documents in hand and are eligible, you can get instant loan approval.
  3. Borrowers can avail a Gold loan of different amounts depending upon their gold value and needs.
  4. Indiabulls Bank Gold loan comes at a low rate of interest and customizable EMI.
  5. There are no prepayment charges.
  6. Fast disbursement
  7. No hidden charges
  8. The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure

Indiabulls Bank Gold Loan Eligibility 

Gold Loan is a financial product that a bank gives to their customers to take care of their financial needs and requirements.

Basic Eligibility Criteria for availing an Indiabulls Bank Gold Loan is:

Age Criteria 18 to 75 years of age
Gold Requirements Gold Ornaments (18-22 carats) or bank minted 24 carat coins
CIBIL Score Above 500
Nationality Indian

Documents Required for Indiabulls Bank Gold Loan

Gold Loan is a loan product offered by the bank to pledge your physical gold in exchange for some monetary assistance. It is very easy to get Indiabulls Bank gold loan if you fulfill basic eligibility.

Following are the documents required :

Identity Proof Aadhaar Card/Pan Card/ Passport/ Voter ID
Residence Proof Aadhaar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card
Agriculture Proof ( if applicable) Agriculture Land Ownership Proof
Photographs 2 Passport sized

Indiabulls Bank Gold Loan Interest Rate, Fees and Charges

Indiabulls offers a low interest rate of 7% and a gold per gram rate of Rs. 5,121.

Gold Loan Interest Rate  7.0% per annum
Pre-payment Charges 1% of the outstanding amount
Processing Fee up to 1%

Indiabulls Bank Gold Loan Apply Online

You can apply for Indiabulls Bank Gold Loan online by visiting their website online. After the online registration process is completed, you will have to visit the branch for document verification and loan amount disbursement.

You can also apply with Dialabank by following some simple steps:

  • Visit Dialabank’s digital platform and fill a form with your requirements.
  • Our customer relationship manager will get in touch with you.
  • You will be offered a FREE OF COST assistance at every step of the way.
  • With Dialabank, getting your desired loan is convenient and easy.

How to Pay Your Indiabulls Bank Gold Loan EMI?

Your Indiabulls Bank gold advance can be paid in three different ways.

  1. Standing Instruction (SI): If you have an account with Indiabulls Bank, Standing Instruction can be the best way of repayment for you. Your EMI will be deducted from the account automatically.
  2. Electronic Clearing Service (ECS): This mode is used if you don’t have a Indiabulls bank account. In that case link any bank account with your loan account and the money gets deducted every month on its own.
  3. Post-Dated Cheques (PDC): You can submit post-dated EMI cheques for your EMI payments.

Gold Ornaments Accepted by Indiabulls Bank

Gold jewelry in the form of bangles, anklets, necklace is accepted by the bank for Gold Loan. The jewelry should be of 18-22 carats.

Uses of Indiabulls Bank Gold Loan

  • To finance any personal expenses like a wedding, travel, remodeling of home payment of higher education fees, etc.
  • For your business needs like buying raw materials, expansion of business, social events, etc.
  • For agricultural purposes. The bank offers lower rates of interest for Gold Loans that are used for agriculture or allied activities.

Indiabulls Bank Agricultural Jewel Loan Scheme

Name of Scheme
Home credit Bank Agricultural Jewel Loan Scheme
Rate of Interest
7% Onwards (Based on the loan amount)
Minimum Loan Amount
Based on the value of the Jewel which is being pledged
Loan Tenure
Adjustment of loan amount within 2 months from the date of harvest of crops

Benefits of Indiabulls Bank Agricultural Jewel Loan Scheme

  • No processing fee up to Rs. 25,000
  • 0.30% of the loan amount for a Minimum of Rs. 300 for loan amount ranging between Rs. 25,000 and Rs. 5 lakh
  • 0.28% of the loan amount for a minimum of Rs.1,500 for loan amount ranging between Rs.5 lakh and Rs.1 crore

Indiabulls Bank Gold Loan Overdraft Scheme

Indiabulls Bank Offers an Overdraft Scheme. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Indiabulls Bank Gold Loan Overdraft facility, the bank charges interest only on the withdrawn amount.

Indiabulls Bank Agriculture Gold Loan Interest Rate for Different Scheme

Indiabulls Bank offers gold loan for horticultural requirements under two different categories –

For Bumper Agri Jewel Loan For other Agri Jewel Loan Products
8.50% Fixed 11.50% onwards

Following RBI’s Indiabulls bank can give gold loan up to 90% market value.

FAQs About Indiabulls Bank Gold Loan

What are the documents needed to profit from the Indiabulls Bank Gold Loan?

  • Application form.
  • Address proof
  • Id proof
  • Agribusiness land evidence in the customer’s name.
  • Evidence that harvest will be produced.

Who can apply for the Loan? 

For agricultural loan, every farmer is eligible for loan.

What are the primary highlights of the Agricultural Jewel Loan Scheme?

  • No hidden charges
  • Gem appraiser and handling charges will be material
  • low interest rate
  • The reimbursement plan is beneficial

What is Indiabulls Bank Gold Loan?

The Indiabulls gold loans are secured loans that come with fast disbursement. Offering a low interest rate, this can be the solution for all your financial needs.

✅ How much Gold Loan Can I get per gram from Indiabulls Bank?

You can avail a Gold Loan of  ₹ 5,121 per gram from the Indiabulls Bank.

What is the gold loan interest rate in Indiabulls Bank?

The rate of interest in the Indiabulls Bank for Gold Loan begins  at 7.00% per annum.

How to check gold loan status in Indiabulls Bank?

Indiabulls Gold Loan status can be checked online by visiting the Bank’s website and entering the Gold Loan application details

✅ What is the maximum gold loan amount I can avail on a gold loan from Indiabulls Bank?

You can avail a maximum of 90% LTV.

What is the loan tenure of the Indiabulls Bank gold loan?

The Indiabulls Bank gold loan can be taken for up to 36 months.

✅ How much processing fee is applicable on Indiabulls Bank Gold loan?

The Bank charges a processing fee of 1% of the Loan Amount.

What are the charges for pre-payment in Indiabulls Bank gold loan?

Up to 1% of the outstanding loan amount is charged as the prepayment fee.

How to renew Indiabulls Bank Gold Loan online?

You just need to login to the Indiabulls website or mobile app, enter your loan account credentials and renew it.

How to pay Indiabulls Bank Gold loan interest online?

You can make use of the bank’s online portal to repay the Indiabulls Bank Gold loan interest online.

✅ What if I can’t pay the interest on Indiabulls Bank Gold loan for 3 months?

If you fail to repay the Indiabulls gold loan amount, the bank will issue a warning to you. If you fail to respond, the bank will be forced to sell off the gold.

✅ How can I apply for EMI moratorium on Indiabulls Bank Gold loan?

You can apply for the Indiabulls Gold loan moratorium online by logging in to the online portal or by visiting the bank personally.

How to pay Indiabulls Bank Gold loan through credit card? 

The loan amount cannot be paid using a credit card.

How much Gold Loan can I get per gram in Indiabulls Bank?

The rate of Gold Loan per gram depends on the authenticity of your gold. A 90% LTV can be provided.

✅ How to pay Indiabulls Bank Gold Loan online?

You can pay for your Gold Loan online or by post-dated cheques.

✅ How to apply for Gold Loan in Indiabulls Bank?

Apply for Gold Loan with Indiabulls Bank by visiting their branch or online portal. You can also take a free of cost Dialabank assistance.

✅ How to renew Indiabulls Bank Gold Loan online?

To renew your Gold Loan, you will have to visit the branch with the loan application details and documents. A renewal fee may be charged.

✅ How to take Gold Loan from Indiabulls Bank?

You can take a Gold Loan from Indian Bank by visiting the branch with your Gold, ID proof and some address proof. You can also apply online with Dialabank and get a free of cost customized assistance.

✅ How to check Indiabulls Bank Gold Loan status?

The loan status can be checked by calling the Indiabulls Bank’s customer care number. You may also visit the branch in person.

✅ How to close Indiabulls Bank Gold Loan?

The Indiabulls Bank Gold Loan can only be closed after the whole loan amount is payed back to the bank.

✅ What happens if someone defaults Indiabulls Bank Gold Loan?

When you default on your Gold Loan, the bank will give a reminder followed by legal actions, or even selling of the gold.

✅ How many branches of Indiabulls Bank Gold Loan?

Indiabulls Bank has its registered office in Delhi and operational headquarters in Mumbai.

What is the Overdraft Scheme for Indiabulls Bank Gold Loan?

Indiabulls Bank does provide an Overdraft Scheme and the overall loan amount will have a Credit/Loan Limit. In the Indiabulls Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

What is the Indiabulls Bank Gold Loan closure procedure?

Once the loan is paid, the bank will close your gold loan immediately. 

What is the Indiabulls Bank customer care number?

The customer care number is 9878981144

✅ What is Indiabulls Bank Gold Loan Preclosure charges?

There are no preclosure charges for the gold loan

What is the maximum gold loan tenure for Indiabulls Bank Gold Loan?

The maximum gold loan tenure is 12 months

✅ What is the minimum gold loan tenure of the Indiabulls Bank Gold Loan?

The minimum tenure is 3 months.

✅ What are the foreclosure charges in Indiabulls Bank Gold Loan?

The bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure

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