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ICICI Gold Loan Eligibility Calculator

ICICI Gold Loan Per Gram

Last Updated 11th Jul 2022
Eligibility Criteria ICICI Gold Loan Eligibility
ICICI Gold Loan per gram ₹ 0 to ₹ 0 depending on the purity of gold
Age of Borrower 18 - 70 years
Maximum Loan Amount ₹ 10 Lakh
  • ICICI Bank calculates the amount of gold loan you are eligible for based on the amount of gold you have, the value of gold per gram and the gold’s purity.
  • ICICI offers a maximum LTV of up to 75% of gold’s market value.
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ICICI Gold Loan Eligibility

ICICI gold loan per gram gives you an estimate of the loan amount you can get against your gold jewellery. You will get the loan based on the purity and gold price of your jewellery adjusted for a loan to value ratio. ICICI Bank gold loan per gram eligibility depends upon the purity of the gold, your age and gold quantity.

As per the latest gold prices, ICICI Bank offers a gold loan per gram of ₹ 0 to ₹ 0. Highest ICICI Bank gold loan rate per gram today is ₹ 0 for 22 carat jewellery calculated at a maximum LTV of 75% and the average gold loan price of the last 30 days in 2022 is ₹ 0 of 22 carat.

Gold Loan Calculator ICICI Bank

You can calculate the eligibility for a gold loan using an online ICICI Gold Loan Calculator. The calculator determines ICICI Gold Loan Per Gram Eligibility based on factors mentioned below:

  • Purity and net weight of gold used in jewellery: ICICI Bank uses their in-house valuer to assess the purity and net weight of gold of your jewellery. Gold used in the jewellery should be of purity of 18 to 24 carats. ICICI Bank can also reduce the weight of gems and stones from the jewellery to calculate the net weight of jewellery.
  • Price of gold: Once the valuer estimates the purity and net weight of gold in your jewellery, ICICI Bank will multiply it with the past 30 days average price of 22 carat gold to calculate the value of gold. So, if the gold is of 20 carat purity, ICICI Bank will apply the 30 days average of 22 carat gold multiplied by a factor of 20/22 to adjust the value of gold.
  • Loan to Value Ratio: Once the value of jewellery is calculated, ICICI Bank will apply an LTV of up to 75% to calculate your jewel loan amount eligibility. If you are willing to take a loan amount lower than your maximum LTV, ICICI Bank may offer you a lower interest rate.

How to Check ICICI Gold Loan Eligibility?

To check ICICI gold loan eligibility you can fill out the gold loan eligibility calculator form with all details at MyLoanCare. Here are steps to check your ICICI Bank gold loan eligibility:

  • Visit MyLoanCare and gold loan tab. .
  • Enter required details such as Name, Mobile Number, Loan Amount Required, Weight of Gold and Email ID.
  • Click on Check Eligibility.
  • Complete OTP authentication and you can view the best offers based on your eligibility. 

You can also check ICICI Bank gold loan eligibility on ICICI Bank's website or contact the bank by calling on their customer care number.

ICICI Gold Loan Rate Per Gram by Gold Purity

ICICI Bank gold loan eligibility is dependent on the purity of gold jewellery that you have. The following table gives an approximate estimate of the gold loan per gram ICICI Bank will offer against gold jewellery of different purity levels at a maximum LTV of 75% and lower LTV of 65%.

Gold Purity Gold rate per gram- average of past 30 days ICICI Bank best Gold Loan per gram ICICI Bank lowest Gold Loan per gram
22 carat₹ 0₹ 0₹ 0
20 carat₹ 0₹ 0₹ 0
18 carat₹ 0₹ 0₹ 0

The above table shows how ICICI Bank will calculate your per gram gold loan for gold of varying purity.

  • Gold loan per gram in ICICI Bank offer for 22 carat jewellery will be between ₹ 0 to ₹ 0
  • ICICI Bank gold loan per gram 2022 offer for 20 carat jewellery will be between ₹ 0 to ₹ 0
  • Gold loan per gram rate of ICICI Bank for 18 carat jewellery will be between ₹ 0 to ₹ 0

Tips to Get Best Gold Loan Amount Per Gram from ICICI Bank

  • ICICI Bank accepts both hallmarked and non-hallmarked jewellery for getting a gold loan. However, you can get the highest gold loan per gram for hallmark jewelry. Also, some banks charge lower processing fees on hallmarked gold jewellery.
  • ICICI Bank adjusts the price of 22-carat gold for purity of gold. Hence, always try to borrow against higher purity jewellery as it will fetch you the highest amount for gold loan.
  • Always try to choose jewellery that has minimum gems and stones. Most of the banks will reduce the weight of gems and stones from the total weight of the jewellery. ICICI Bank will rely on the report of his gold valuer to calculate the net weight.
  • ICICI Bank will not accept diamond jewellery if the gold used is of less than 18 carat purity. Most of the diamond jewellery is made in 16 carat to 18 carat gold and hence, will result in a very low gold loan per gram.
  • Always try to get the maximum LTV on the value of gold. ICICI Bank is allowed by RBI to charge a maximum LTV of up to 75% to calculate the amount of gold loan you are eligible for.

How can I Get a Gold Loan from ICICI Bank after Checking the Eligibility?

You can get a gold loan from ICICI Bank either online or offline, depending upon your convenience. For the online process, you can visit the official website of ICICI Bank and apply for a gold loan. In addition to that, you can give a missed call to ICICI Bank at their customer care number 1860-120-7777/ 1800-103-8181 . For the offline process, you can visit the nearest ICICI Bank branch and fill up the ICICI Bank gold loan application form.

To get the best offers on ICICI Bank gold loan you can also apply for a ICICI Bank gold loan at online marketplaces like MyLoanCare, where you can compare ICICI Bank gold loan offer with other top lenders and choose the best option for you. To apply for ICICI Bank gold loan, fill the online gold loan application form with your personal details and requirements related to the loan. Our representative will then contact you for best offers based on your eligibility.


What is the age limit required for a gold loan from ICICI Bank?

The minimum age should be 18 years and the maximum age should be up to 70 years. Based on your age, ICICI Bank decides upon your gold loan tenure that can range up to 12 months.

Does CIBIL score matter to get a gold loan from ICICI Bank?

No, ICICI Bank does not check your CIBIL to provide gold. However, if you repay your gold loan on time, you can improve the CIBIL.

What is the eligibility for an ICICI gold loan?

To avail an ICICI gold loan, you must be a citizen of India between 18 years to 70 years of age. You should also have gold jewellery which has purity above 18 carat. ICICI gold loans are easy to avail of as you can avail of these loans, even without a good CIBIL score.

What is the maximum loan amount that I can avail on gold loan from ICICI Bank?

The maximum loan that you can avail of from ICICI Bank is 75% of the market value of the gold depending on the quality of the gold. However, ensure that the gold fits the purity mark of a minimum of 18 carats of gold and is hallmarked. Before availing of a gold loan from ICICI Bank, ensure checking the current gold rate per gram to get a good sum on your gold.

What is the loan tenure of the ICICI gold loan?

ICICI gives gold loans to the applicants for a maximum tenure of 12 months. So, the borrower should be sure about the repayment capacity of the loan. To plan your gold loan prepayments within this tenure, you can use the ICICI gold loan EMI calculator

What kind of gold items are accepted and rejected as security?

Gold ornaments with carats in the range of 18 to 24 and weight of more than 50 grams are accepted by ICICI Bank. However, ICICI Bank does not allow you to borrow against gold bars, exchange-traded funds and ladies mangal sutra.

Do I need a co-applicant to get a gold loan from ICICI Bank?

No, you do not need a co-applicant to get a gold loan from ICICI Bank. To get a gold loan, you only need to have gold jewellery. Value of your gold, purity marks and age are key requirements to avail of a gold loan from ICICI Bank. Thus, you can get a gold loan easily without a co-applicant, when you own the gold.

How much loan amount I can get on 22ct 100 grams of gold jewellery from ICICI Bank?

ICICI Bank gold loan per gram for 22 K gold is ₹ 3,104 and for thus, for 100 gms, the gold loan per gram will be ₹ 3,10400. The amount for the loan you can avail from ICICI Bank will further depend on LTV, which is 75% of the market’s gold value. In addition, ICICI Bank offers a maximum loan amount of upto Rs.50 lakh.

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ICICI Gold Loan News - Aug 2022
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    ICICI Bank reported a 260% jump in its net profit at Rs 4,403 crore for the quarter ended March 31, 2021. The profit was boosted by retail loans like home, LAP, personal, two-wheeler, car, education and doctor loan along with business and mudra loan. Further, the bank reported a total income of Rs 23,953 crore in January-March from Rs 23,443.66 crore in the year-ago quarter.
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