Gold Loan Fees and Charges

Gold loan Interest Rates

The interest rates at IDFC FIRST Bank are regularly updated depending on market conditions. Refer to the table below to find out our current loan rates.

Product type	Rate of Interest (ROI %)
Gold Loan	ROI starting from 9.84%*

* T&C Apply

Pre-disbursal Fees/Charges:

Refer to the table below to know applicable charges:

Description	Fees/Charges	GST Applicable
Processing Fees	Up to 1% of the Loan Amount	Yes
Gold Valuation Charges	Minimum charge of Rs.199 & maximum of Rs. 4999-per case	Yes
Stamp Duty	As per the actual state norms	No

The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.

Post Disbursal Fees/Charges:

Refer to the table below to know applicable charges.

Description	Fees/Charges	GST Applicable
Bounce Charges	10% of EMI bounced with minimum charge of Rs. 200 & maximum of Rs. 750	Yes
Part Payment Charges	Up to 2% of Part Payment amount if payment is made within 365* days of date of disbursement	Yes
Foreclosure Charges	Up to 2% of principal outstanding amount if loan is closed within 365* days of date of disbursement	Yes
Late Payment Charges	During loan tenure: 2% per month on overdue amount or ₹300, whichever is higher	Yes
Auction Charges- Issuance of Notice	₹375/-	Yes
Auction Charges – Issuance of Publication	As per the actual publication charges	Yes
Auction Charges – Platform Fees	1% of the Ornament bidding amount	Yes

*Refer to your Sanction Letter to know actual applicable foreclosure and part payment charges.
The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.

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Gold Loan Fees and Charges

Gold loan Interest Rates

Pre-disbursal Fees/Charges:

Post Disbursal Fees/Charges:

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