✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Apply Now

Opt for the HDFC Bank Gold Loan and address your urgent needs by pledging gold valuables as collateral. You can get the amount at affordable rates starting from 9% per annum with flexible tenure options going up to 42 months. You have the flexibility to utilise the loan funds for agricultural, business, or personal needs.

Interest Rates & Charges

Know the applicable HDFC Bank Gold Loan interest rate and other associated charges before you apply.

Interest Rate

Starting at 9% p.a.

Valuation Charges

₹250 - ₹575 based on loan amount plus applicable taxes

Delayed Instalment Payment Charges

18% p.a. on overdue instalment amount plus applicable taxes 

Processing Fee

Up to 1% of the disbursed amount plus applicable taxes 

Foreclosure Charges

1% on the principal outstanding amount plus applicable taxes

Renewal Charges

₹350 plus applicable taxes

Disclaimer: The aforementioned charges are subject to change at the lender’s discretion

Features and Benefits

Here is a look at some of the top benefits of the HDFC Bank Gold Loan:

Ample Funding

The bank offers funds as low as ₹25,000 (starting from ₹10,000 in rural markets) with no upper limit

Affordable Rates

The HDFC Bank Gold Loan interest rate starts at 9% p.a., making it a pocket-friendly option


You can enjoy a completely transparent process with no hidden charges

Flexible Tenure

You can repay the borrowed amount within a tenure ranging between 6 and 42 months 

Minimal Documentation

Get the funds you need by submitting only your ID proof. No proof of income is required.

Safety First

The gold, which serves as collateral for the loan, is safeguarded within a distinctive triple-layered security system

Rapid Disbursal

The bank offers one of the fastest turnaround times, with disbursals in just 45 minutes

Use Now and Pay Later

Leverage the overdraft facility to pay interest only on the loan amount you actually use

Eligibility Criteria and Documents Required

Here is an overview of the eligibility criteria and list of documents needed.

Eligibility Parameters:

  • You must be an Indian resident

  • You must be between the age of 18 and 75 years

  • You must be a farmer, trader, salaried, self-employed, or an entrepreneur


  • Passport-size photograph

  • PAN or Form 60 with any one of the following:

    1. Valid driving licence

    2. Valid passport

    3. UIDAI issued Aadhaar

    4. Voter ID

  • Agri Allied Occupation Documentation (in the event of bullet repayment for agricultural purposes)


The bank may ask for additional documents at the time of application or during processing. Submit them on time for a seamless experience.

How to Apply

To apply for the HDFC Bank Gold Loan, follow these steps:

  • Visit the official website

  • Navigate to the ‘Gold Loan’ page

  • Click on the ‘APPLY ONLINE’ option

  • Enter your mobile number and birth date as per the PAN card

  • Click on ‘Get OTP’

  • Enter the OTP received

  • A representative from the bank will contact you for further steps. You can also visit a branch and apply offline to get the loan.

Gold loan


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

What documents are required when applying for a gold loan from HDFC Bank?

To apply for an HDFC Bank Gold Loan, you will need to submit minimal documentation. This includes one photograph, a valid passport, a valid driving licence, a voter ID, or an Aadhaar card, with a PAN card or Form 16. 


The bank may also ask for additional documents during the application process.

Is it possible to get a lower interest rate on this loan?

The HDFC Bank Gold Loan interest rate is fixed as a range at the bank’s discretion. However, you can boost your chances of securing a lower rate by pledging high-purity gold and choosing the right tenure and loan amount.

Can one apply for this loan online?

Yes. You can apply for a gold loan from HDFC Bank through the official website. Note that you cannot apply for this loan on Bajaj Markets.

How long does it take to get a loan application approved?

It varies depending on your application. If you meet the required parameters, HDFC Bank can disburse gold loans within 45 minutes.

What is the amount that I can get under the HDFC Bank Gold Loan?

HDFC Bank offers a minimum of ₹25,000 (₹10,000 in rural markets) as a gold loan. The maximum amount will depend on the value of your gold.

Who is eligible to get a gold loan from HDFC Bank?

Gold loans are available to individuals aged between 18 and 75 years. You must be an entrepreneur, farmer, trader, self-employed, or salaried to qualify for the loan. Use the eligibility calculator to better understand whether or not you meet the terms.

Can I prepay or foreclose the HDFC Bank Gold Loan?

Yes. However, the bank may levy prepayment or foreclosure charges of 1% plus taxes. Check these fees before you prepay to ensure it is the right decision.

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