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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Gold Loan Fees & Charges

Pre- Disbursal Charges

Description

Fees/Charges

GST Applicable

Processing Fees

Up to 1% of the Loan Amount

Yes

Gold Valuation Charges

Valuation Charges per case is ₹550/-

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 Charges

Description

Fees/Charges

GST Applicable

Bounce Charges

10% of EMI/Outstanding (Min:200 & Max:750) 

Yes

Part Payment Charges

Up to 2% of Part Payment amount if payment is made within 180* days of date of disbursement

Yes

Foreclosure Charges

Up to 2% of principal outstanding amount if loan is closed within 180* 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.

Interest Rate Range for Gold Loans

Product Name Minimum Interest Rate Maximum Interest Rate
Gold Loan 10.80% 20%

Note: All fees/charges to be paid shall be exclusive of goods and services tax(GST), as may be applicable.

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