Personal, home, vehicle & other loans

IndusInd Bank Gold Loan

A secured loan against pledged gold jewellery/ornaments. The bank says the gold is valued and sealed in the borrower's presence; the loan amount depends on valuation and sanction. Published maximum: ₹1 crore; tenure up to 36 months.

Historical bank ROIQ1 FY2026–27: 10.01%–15.50% p.a.; average 11.56%. The page does not show a current-quarter range; the borrower's fixed rate is stated in the sanction letter.Maximum loan amountUp to ₹1 crore.Maximum tenureUp to 36 months.

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✓ Manually checked 30 Sept 2026 · active

Offered byIndusInd Bank

A 20 February 2026 bank release says Gold Loan services were available at 500 branches nationwide; the product page still describes availability in select cities. Confirm the participating branch before applying.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan type and useSecured loan against pledged gold jewellery/ornaments; the page permits legitimate personal or business use, but excludes speculative land/gold purchases, capital-market investments and anti-social purposes.View source

The page describes a loan against gold and states that legitimate personal/business purposes are permitted while the listed speculative and anti-social purposes are prohibited.

Source: IndusInd Bank Gold Loan — product page
Page / section: Overview; Gold Loan — permitted use
Accessed: 30 Sept 2026
Confidence: high

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Historical bank ROIQ1 FY2026–27: 10.01%–15.50% p.a.; average 11.56%. The page does not show a current-quarter range; the borrower's fixed rate is stated in the sanction letter.View source

The product page labels its table 26-27 (minimum 10.01%, maximum 15.50%, average 11.56%); the linked terms say the customer's fixed rate is specified in the sanction letter. The figure is historical by this review date.

Source: IndusInd Bank Gold Loan — product page
Page / section: Gold Loan Interest Rates — data for 2026–27; compared with Gold Loan terms page
Accessed: 30 Sept 2026
Confidence: high

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Rate settingFixed rate stated in the sanction letter; calculated per annum with monthly rests. The applicable rate and payment dates follow the sanction terms.View source

The T&C says the fixed rate is mentioned in the sanction letter, calculated per annum with monthly rest, and payable on the due date stated in the sanction letter.

Source: IndusInd Bank Gold Loan — terms and conditions
Page / section: Rate of interest and payment terms
Accessed: 30 Sept 2026
Confidence: high

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Historical APRQ1 FY2026–27: 10.33%–15.82%; average 11.88%. This is a past-quarter disclosure, not a current personal quote.Effective 1 Apr 2026View source

The page reports FY26-27 APR minimum 10.33%, maximum 15.82%, average 11.88%; no later-quarter is displayed.

Source: IndusInd Bank Gold Loan — product page
Page / section: Gold Loan Interest Rates — data for 2026–27
Accessed: 30 Sept 2026
Confidence: high

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Maximum loan amountUp to ₹1 crore.View source

The product page and the February 2026 release each state a maximum of ₹1 crore; the actual amount is based on gold valuation and bank assessment.

Source: IndusInd Bank Gold Loan — product page
Page / section: Benefits; Gold Loan — features; corroborated by the February 2026 bank release
Accessed: 30 Sept 2026
Confidence: high

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Maximum tenureUp to 36 months.View source

The product page and the linked terms both state a maximum repayment tenure of 36 months.

Source: IndusInd Bank Gold Loan — terms and conditions
Page / section: Opening terms — maximum repayment tenure; product-page benefits
Accessed: 30 Sept 2026
Confidence: high

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Income documentationThe page says income proof is not needed for loans up to ₹20 lakh; this is a document rule for that amount band, not a minimum-income threshold.View source

The page says no income proof is needed up to ₹20 lakh. The application form requests an income band but does not set a minimum income eligibility figure.

Source: IndusInd Bank Gold Loan — product page
Page / section: Eligibility criteria and Gold Loan Application Form — net annual income bands
Accessed: 30 Sept 2026
Confidence: high

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EligibilityIndividual borrowers aged 18–75. The bank may request additional documents for sanction. No income proof is required for a loan up to ₹20 lakh, according to the product page.View source

The page specifies individual borrowers aged 18–75 and says the bank may seek additional documents where needed.

Source: IndusInd Bank Gold Loan — product page
Page / section: Gold Loan Eligibility and Documentation
Accessed: 30 Sept 2026
Confidence: high

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Published documentsIdentity proof; residence proof; photograph; signature proof. The bank may request further documents for sanction.View source

The product page lists these four document types and reserves the right to request additional documents.

Source: IndusInd Bank Gold Loan — product page
Page / section: Documentation
Accessed: 30 Sept 2026
Confidence: high

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Processing and valuation feesProcessing: up to 1% of loan amount + GST. Gold valuation: ₹750 + GST for loans up to ₹2 lakh; ₹1,000 + GST above ₹2 lakh. State stamp duty/statutory charges apply separately.View source

The schedule states up to 1% of loan amount plus , valuation fees of ₹750 plus through ₹2 lakh and ₹1,000 plus above ₹2 lakh, and state-law stamp/statutory charges.

Source: Gold Loan — Schedule of Charges
Page / section: Page 1 — Processing Fee, Gold Valuation Charges and Stamp Duty rows
Accessed: 30 Sept 2026
Confidence: high

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Prepayment / foreclosure charge — source conflictThe Schedule of Charges says 1% + GST on the outstanding loan amount for foreclosure and part-prepayment. The agreement template's schedule says 1% of the amount being paid; the percentage base conflicts and must be confirmed in the sanction documents.View source

SOC: 1% plus on outstanding loan amount. Agreement schedule: 1% charges of amount being paid. The clauses are preserved as written rather than silently choosing a base.

Source: Gold Loan — Schedule of Charges; Gold Loan Agreement
Page / section: SOC page 1 — prepayment/foreclosure and part-prepayment rows; agreement page 9 — schedule row 13
Accessed: 30 Sept 2026
Confidence: high

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Repayment optionsThe product page lists monthly-interest payment or rear-ended interest. The application form also has EMI and monthly checkboxes; the linked T&C and sanction terms govern which mode is actually offered to a borrower.View source

The product lists monthly interest and rear-ended interest; the form additionally presents and monthly checkboxes, subject to sanction terms.

Source: IndusInd Bank Gold Loan — terms and conditions; application form
Page / section: Repayment options; application form page 1 — Interest Mode
Accessed: 30 Sept 2026
Confidence: high

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Gold valuation and custodyThe bank values the gold in the borrower's presence and seals it for custody. The agreement requires clear borrower ownership, allows bank inspection/assaying while dues remain, and makes lendable value and margin subject to bank/RBI policy and sanction.View source

The borrower declares ownership; valuation/assaying is performed under bank/ policy, the bank seals the security in the borrower's presence, and the agreement leaves the numeric margin to bank stipulation.

Source: Gold Loan Agreement
Page / section: Clauses 6–13, pages 2–3; corroborated by product page security description
Accessed: 30 Sept 2026
Confidence: high

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Other published fees and chargesCheque/auto-debit return ₹200 + GST per instance; legal, repossession and incidental charges at actuals where applicable; auction charges at actuals. The schedule marks CIBIL report, instrument swap, rebooking, cancellation, local collection, partial security release/replacement and collateral swap as NA.View source

All rows and the tax/statutory-charge footnote are reproduced in the product table. Renewal processing fees are not treated as current because the linked T&C says renewal stopped from 1 April 2025.

Source: Gold Loan — Schedule of Charges
Page / section: Page 1 — complete 16-row charges table
Accessed: 30 Sept 2026
Confidence: high

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Participating branchesThe bank's 20 February 2026 release says the service had expanded to 500 branches nationwide; the product page still says select cities. Check that the chosen branch offers Gold Loan service.Effective 20 Feb 2026View source

The release says Gold Loan was available at 500 branches after adding 245 branches; the product page has not replaced its older 'select cities' wording.

Source: IndusInd Bank expands Gold Loan network to 500 branches nationwide
Page / section: Full release dated 20 February 2026; product-page branch
Accessed: 30 Sept 2026
Confidence: high

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Disbursement modesThe product page lists account credit, Pay Order, NEFT and RTGS.View source

The page lists AC Credit, Pay Order, and as disbursal modes.

Source: IndusInd Bank Gold Loan — product page
Page / section: Gold Loan Eligibility — disbursal mode
Accessed: 30 Sept 2026
Confidence: high

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Gold-value shortfall and recovery conditionsThe terms page gives 5 days after notice to add gold security or part-pay when gold value falls; the agreement template gives 7 days. The agreement also permits gold sale after its stated notice period, but the terms page and agreement differ on auction notice timing. Surplus from an agreement-template sale is to be refunded within 7 days.View source

Terms page: 5 days after notice to add gold or part-pay. Agreement: 7 days to add security/part-pay, a separate clause requires at least 31 days' prior auction notice, and surplus is refunded within 7 days of sale.

Source: IndusInd Bank Gold Loan terms and Gold Loan Agreement
Page / section: Terms page — gold-value shortfall and recovery; agreement clauses 17–18, pages 3–4
Accessed: 30 Sept 2026
Confidence: high

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Benefits and features

The bank says disbursal can take one working day; actual timing depends on processing and sanction.
The bank advertises additional discounts for women borrowers and people in the agricultural profession, but the reviewed page does not give the discount amount or conditions.
No income proof is needed for loans up to ₹20 lakh, as stated on the product page.

Eligibility

Individual borrowers aged 18–75.
Gold valuation, loan amount, margin and approval remain subject to bank assessment and sanction.
The agreement says the borrower must own the pledged gold and have clear title.
The application form contains an Indian-citizenship declaration; the product page does not explain non-resident eligibility, so applicants should confirm this with the bank.
Product page says no income proof is needed up to ₹20 lakh; the application form's income bands are not a minimum-income rule.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Identity proof
Residence proof
Photograph
Signature proof

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹24,675twenty-four thousand six hundred seventy-five rupees

Interest paid over the full loan₹34,21,920thirty-four lakh twenty-one thousand nine hundred twenty rupees

Everything you repay₹59,21,920fifty-nine lakh twenty-one thousand nine hundred twenty rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableMeasureChoose column

Bank · Minimum10.01%

This value is copied from Gold Loan and — FY2026–27. Check the table notes before relying on it.

Source: IndusInd Bank Gold Loan — product page · Gold Loan Interest Rates — DATA for 26-27 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 4 columnsGold Loan ROI and APR — Q1 FY2026–27Historical quarter-level bank figures shown on the product page; not a current individual quote.View tableHide table

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Gold Loan ROI and APR — Q1 FY2026–27
Measure	Minimum	Maximum	Average
Bank	10.01%	15.50%	11.56%
	10.33%	15.82%	11.88%

The page labels these figures 26-27. At the 30 September 2026 review date this quarter had passed; the page did not display a later-quarter range. The terms page says the customer's fixed rate is stated in the sanction letter.

IndusInd Bank Gold Loan — product page · Gold Loan Interest Rates — DATA for 26-27 · accessed 30 Sept 2026Open official source ↗

Table 2 · 16 rows · 2 columnsGold Loan — complete Schedule of ChargesThe full one-page tariff table. Renewal-row applicability is qualified in the note below.View tableHide table

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Gold Loan — complete Schedule of Charges
Nature of charge	Amount to be paid
Processing fee	Up to 1% of loan amount +
Gold valuation charges	₹750 + for loan up to ₹2 lakh; ₹1,000 + for loan above ₹2 lakh
Stamp duty and other statutory charges	As per applicable laws of the state
report
Instrument swap (cheque / / / ACH)
Loan re-booking / rescheduling
Loan cancellation
Cheque bounce / auto-debit return	₹200 per instance +
Renewal processing	Up to 1% of loan amount + (renewal or renewal-cum-top-up)
Prepayment / foreclosure	1% + on outstanding loan amount
Part prepayment	1% + on outstanding loan amount
Local collection (municipal / city limits)
Legal / repossession / incidental	Actuals wherever applicable
Partial release / replacement of security
Gold Loan auction	Actuals
Property / collateral swap

The document says taxes and other charges apply as required by regulation/statute.
Although the SOC lists a renewal fee, the Gold Loan T&C says no renewal facility has been available from 1 April 2025. Do not treat the renewal row as a currently applicable fee without bank confirmation.

Gold Loan — Schedule of Charges · Page 1, all 16 rows and footnote · accessed 30 Sept 2026Open official source ↗

Table 3 · 13 rows · 2 columnsGold Loan Agreement — borrower/sanction scheduleFields in this agreement template are completed per borrower/sanction; they are not uniform product-wide values.View tableHide table

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Gold Loan Agreement — borrower/sanction schedule
Schedule item	Published wording / completion basis
Borrower name	Completed for the borrower
Place of agreement	Completed for the agreement
Date of agreement	Completed for the agreement
Loan amount	Completed in sanction / agreement
Loan tenure	Completed in sanction / agreement
Applicable interest rate	Completed in sanction letter
Penal charges	24% p.a. on total overdue amount or 100, whichever is higher, until repayment (agreement wording; amount unit/base is not clarified in this schedule)
Processing fee	Completed in sanction / agreement
Description of gold security	As per valuation certificate
Value of gold security	Completed per valuation certificate
Charges for security assaying	Completed per sanction / agreement
Charges for security auction	Actuals, if applicable
Prepayment charges	1% of the amount being paid (conflicts with SOC base of outstanding loan amount)

The agreement template has no universal loan amount, loan tenor, rate, margin or assay fee; those require borrower-specific sanction details.
The agreement's 1% prepayment base differs from the SOC. Do not collapse them into one unqualified value.

Gold Loan Agreement · Pages 8–9, Schedule rows 1–13 · accessed 30 Sept 2026Open official source ↗

Table 4 · 8 rows · 2 columnsGold Loan Application Form — information and choices requestedThe form is an application checklist; selectable fields do not by themselves establish loan eligibility, approval or a currently offered repayment method.View tableHide table

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Gold Loan Application Form — information and choices requested
Form section	Fields / choices shown
Applicant identity and contact	Name; current and permanent addresses; landmarks, city and ; phone/mobile; email; nationality; date of birth; ; gender; religion; marital status; disability; social category; qualification; photograph with signature
Income and occupation	Net annual income bands: up to ₹1 lakh; above ₹1 lakh to ₹5 lakh; above ₹5 lakh to ₹10 lakh; above ₹10 lakh. Occupation: salaried, self-employed, housewife, student, retired or other. Self-employed entity/activity options include private limited, partnership, sole proprietor, home business, trader, manufacturing, service, agriculture and other.
Bank account and disbursement	IndusInd account/customer or other-bank name, account holder, and account number; disbursement choices shown: IndusInd account, / or demand draft; mailing address option.
Loan request and repayment	Requested amount and tenure; form checkboxes: rear-ended, or monthly interest; debit-interest authorization from IndusInd account; option. Actual mode remains subject to sanction and the terms page.
Loan purpose	Agriculture; business; personal use; education; home renovation; repay informal-sector loan; medical; marriage; travel; other. Purpose-specific details include agricultural land/survey address, business nature/employees/industry/credit facilities/plant-and-machinery investment, education institution/course/fees, or informal-loan amount/lender/rate.
Optional insurance fields	Yes/no interest in insurance; scheme; premium amount; sum assured; nominee and relationship; disclosure of referral-fee percentage. This form section does not say insurance is mandatory for the loan.
Nominee / death authority	Name/address/contact of representative, relationship and age; nominee must not be a minor; authority operates on borrower death and delivery follows full repayment. Separate Mangalsutra deposit and auction declaration.
Other declarations	Gold ownership; purpose and use declarations; change-of-address notice; credit/data sharing and verification consent; privacy-policy consent; politically exposed person declaration; communications including promotional/research/feedback messages unless stopped under the bank's process.

Income bands are requested application information, not a minimum annual-income eligibility threshold.
The form contains and monthly checkboxes; current product and terms state monthly-interest or rear-ended options, so the sanctioned mode must be confirmed.

Gold Loan Application Form · Pages 1–3, all applicant fields, loan details, insurance, declarations and nominee section · accessed 30 Sept 2026Open official source ↗

Table 5 · 7 rows · 4 columnsGold Loan source conflicts and borrower-specific termsView tableHide table

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Gold Loan source conflicts and borrower-specific terms
Issue	Product page / terms / SOC	Agreement or application form	Publication treatment
Renewal	Terms say no renewal facility from 1 April 2025	SOC still lists a renewal / renewal-cum-top-up processing fee up to 1% +	Treat renewal as stopped; do not present this legacy fee as currently payable.
Prepayment base	SOC: 1% + on outstanding loan amount	Agreement schedule: 1% of the amount being paid	Show both source statements; ask borrower to confirm sanction terms.
Gold-value shortfall cure	Terms page gives 5 days after notice	Agreement clause gives 7 days	Do not publish one universal cure period; preserve the conflict.
Auction notice	Terms page describes sale after 7 days' notice	Agreement clause requires a minimum 31 days' prior auction notice	Do not reduce to one unqualified notice period; the applicable executed terms need confirmation.
Repayment selection	Product page lists monthly-interest or rear-ended interest	Application form includes and monthly checkboxes	The bank's sanction and current terms control the borrower's available mode.
Rate period	Product page shows FY2026–27 / ranges	Agreement sets each borrower's rate in sanction letter	Keep rates explicitly dated/historical; do not present them as current-quarter or personal pricing.
Branch availability	Product page says select cities	20 February 2026 release says 500 branches nationwide	Use the dated 500-branch statement with a participating-branch check.

These are source-text differences, not resolved legal interpretations.

IndusInd Bank Gold Loan product page, terms, SOC, agreement, application form and branch expansion release · Cross-source comparison; cited locations are identified in each linked source record and product fact · accessed 30 Sept 2026Open official source ↗

IndusInd Bank Gold Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules