IIFL Finance Limited Gold Loan Calculator 2026
IIFL Finance gold loan interest rates start from 9.72% p.a. (up to 27% p.a. depending on scheme and amount) — verified from the official IIFL Finance website. Calculate your eligible loan amount and EMI below.
IIFL Finance Gold Loan Rates & Charges
Official IIFL Finance rate pageInterest Rate
9.72% - 27.00% p.a.
Rate Type
Fixed or variable depending on scheme
Processing Fee
Up to 2% of loan amount, exclusive of GST
Foreclosure Charges
NIL; minimum 7 days' interest is charged if the loan is closed within 7 days
Loan-to-Value (LTV)
Up to 75% of the gold value, depending on internal policy and loan scheme
Effective
August 2026
Scheme-wise rates
Current applicable range0.81% onward per month; rate varies by scheme9.72% - 27.00%
Headline representative rateUsed in the official page illustration; final rate depends on schemefrom 11.88%
- The official charges table publishes 9.72% - 27% p.a.; the same page also promotes 11.88% p.a. as a representative headline rate
Last verified against the official website on Aug 2026. Rates are updated automatically when IIFL Finance revises them.
Total Payable12 mo
₹0
Prin: ₹0
Monthly EMI9.72% p.a.
₹0
Int: ₹0
| Particulars | Amount |
|---|---|
| Gold Value | ₹1,40,000 |
| Loan Amount | ₹0 |
| Monthly Interest | ₹0 |
| Total Interest | ₹0 |
Loan Breakdown12 months
12
Mo
Principal
₹0
0%
Interest
₹0
0%
NBFC Gold Loan Insight
NBFCs disburse faster with higher LTV (70-85%) and minimal paperwork (10-24% rates).
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How IIFL Finance Compares (2026)
Gold loan rates across banks and NBFCs, sorted by lowest starting rate
Comparing for₹4,00,000 (60 mo)
Sort by:
| Lender | Interest Rate (p.a.) | Est. Monthly EMI | Calculated Processing Fee | Total Payable (incl. fees & interest) |
|---|---|---|---|---|
| 7.75% - 8.90% | ₹8,063 | Up to ₹1,180 | ₹4,84,960 | |
| 8.50% - 10.40% | ₹8,207 | Nil (Free) | ₹4,92,420 | |
| 8.50% - 9.25% | ₹8,207 | Up to ₹590 | ₹4,93,010 | |
| from 8.50% | ₹8,207 | NIL up to Rs. 5 lakh; above: 0.30% + GST, max Rs. 5,000 (valid to 31.03.2027) | ₹4,92,420 | |
| 8.50% - 8.90% | ₹8,207 | Up to ₹800 | ₹4,93,220 | |
| 8.50% - 9.50% | ₹8,207 | Nil (Free) | ₹4,92,420 | |
| 8.65% - 9.00% | ₹8,236 | Up to ₹2,360 | ₹4,96,520 | |
| 8.85% - 8.90% | ₹8,274 | ₹1,416 | ₹4,97,856 | |
| from 8.95% | ₹8,294 | ₹1,416 | ₹4,99,056 | |
| 9.00% - 19.00% | ₹8,303 | Up to ₹4,720 | ₹5,02,900 | |
| 9.00% - 16.00% | ₹8,303 | Up to ₹8,000 | ₹5,06,180 | |
| 9.00% - 20.00% | ₹8,303 | ₹9,440 | ₹5,07,620 | |
| from 9.00% | ₹8,303 | ₹800 | ₹4,98,980 | |
| 9.15% - 10.10% | ₹8,332 | ₹1,416 | ₹5,01,336 | |
| from 9.15% | ₹8,332 | Up to ₹500 | ₹5,00,420 |
Live figures calculated for ₹4,00,000 over 60 months. Rates and fee formulas sourced directly from each lender's official website (last verified 28 Aug 2026) and auto-refreshed. GST at 18% is added where charged by the lender.