IIFL Loan:Gold & Business Loan

IIFL Finance Limited

About this app

Unlock financial freedom with the IIFL Loans app, your all-in-one solution for quick access to funds. Whether you need a Gold Loan, a Business Loan, or an MSME Loan, the app ensures a seamless, hassle-free experience from start to finish.

Need funds urgently? Our platform offers a quick loan process with fast approvals and minimal paperwork, letting you secure a loan in just a few taps.

Our quick loan app lets you easily manage your finances with transparent terms and flexible repayment options. Plus, explore insurance opportunities.

What is special about us?
● Trusted Excellence: We're not just a name but a trusted legacy.
● Hassle-free, Quick loans, and paperless application process: We keep it simple.
● Affordable and Attractive Interest Rates: We make your dreams affordable.
● Loans for Every Need: Gold loans, business loans, home loans, you name it, we have it.
● EMI calculator: Plan your repayment with our new online loan EMI calculator.
● Quick Loan Approvals: Need funds in a flash? Our quick loan approvals & disbursals have your back.

Explore Our Products

Gold Loans:

With IIFL Loans, you can get a Gold Loan with ease. Whether you're looking for a Jewellery Loan or flexible gold loan EMI options, we've got you covered.
Apply for a Gold Loan online or book a doorstep service, and our team will guide you every step of the way.

Minimal paperwork, fast approval—everything you need to get a Gold Loan without hassle.

‌ Gold Loan at Home

Enjoy the ultimate convenience with IIFL’s Gold Loan at Home service. Apply online and schedule a home visit from our experts who will handle everything—from gold evaluation to fund disbursement—directly at your doorstep.

How It Works:
1 Select "Gold Loan at Home" and book an appointment
2 An expert will visit your home
3 Hassle-free gold valuation
4 Fast money transfer

Gold Loan Features:
1. Gold Loan amount ranges from Rs. 3000 - Rs. 30 Lakhs (Additional Due Diligence above Rs. 30 Lakhs)
2. Loan duration: 12 months- 24 months
3. Annual Gold Loan Interest rates (APR*, Min to Max): 11.88% - 27%
4. Processing fee: Upto 2% of Loan Amount.

Here is an Example:
Loan Amount: ₹3,00,000
Tenure: 12 months
Total Interest: ₹ 36,000 (12% per annum)
Processing Fee: ₹531 (0.15% of Loan Amount: ₹450 + GST @18%: ₹531)
Monthly Interest Amount: ₹3000
Total loan repayment amount: ₹3,36,531

*Disclaimer: The Rates specified are the indicative interest rates, Actual APR may defer based on the actual fees and charges applicable to the specific case.

Business Loans:
Need quick funds to establish a new business or expand an existing msme? We are here for you. We provide online MSME loan amounts up to Rs. 75 lakhs with lightning-fast approvals.

Why Choose IIFL Business loans?

● Quick Disbursal
● Attractive interest rates*
● Affordable EMI repayments*
● Loan tenure up to 36 months*
● Quick Approval
● 100% digital process
● Minimal documentation
● No collateral required

Documents required for msme Loan:
● KYC documents – Identity & address proof of the borrower and all co-borrowers
● PAN Card of borrower & all co-borrowers
● 6-12 months' bank statement of the business account. (Depending on the business loan amount)
● A signed copy of the standard terms
● Additional document(s) may be required for credit assessment & processing of the MSME loan request

Reach us at:
● Registered Office
IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Industrial Area, Wagle Estate, Thane - 400604
● Call us
1860-267-3000, 7039-050-000

Download the IIFL quick loan app now!

Disclaimer:
Any/ all loan product specifications & information that may be stated are subject to change from time to time. IIFL Finance Limited (including its associates & affiliates) ("IIFL") assumes no liability or responsibility for any errors or omissions in the content stated herein & under no circumstances shall IIFL be liable for any damage, loss, injury or disappointment suffered by any reader.

Ratings and reviews

My experience with the IIFL Loan app has been extremely disappointing. Previously, I was able to log in using my email ID to access all my details without any issues. However, the current version only supports mobile number login, and even after entering my number, none of my home loan details are visible. The user interface is poorly designed—neither the app nor the website provides the information I need. There is no clear access to customer service, and the overall experience is far from use

I am really disappointed with IIFL’s terms and services. Using IIFL loans has had a very negative impact on my credit score. I will not be using IIFL for any future loans, nor will I recommend it to my friends and family. The main issue is that if a customer misses even a single day of interest payment or due date by mistake, the CIBIL score drops by at least 60 points immediately. This is extremely harsh and unfair. In comparison, credit card companies provide a grace period after the bill due

The app is good, but earlier when we used to top-up, the interest due used to get adjusted first, and the remaining amount would be added to the top-up. Now, we are required to pay the interest first, and only then the top-up option becomes available. This is not right — please revert to the old system.

What’s new

Improvement and optimization