Understand more about HDFC Bank Gold Loan and proceed with your application to access funds immediately
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.
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
Here is a look at some of the top benefits of the HDFC Bank Gold Loan:
The bank offers funds as low as ₹25,000 (starting from ₹10,000 in rural markets) with no upper limit
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
You can repay the borrowed amount within a tenure ranging between 6 and 42 months
Get the funds you need by submitting only your ID proof. No proof of income is required.
The gold, which serves as collateral for the loan, is safeguarded within a distinctive triple-layered security system
The bank offers one of the fastest turnaround times, with disbursals in just 45 minutes
Leverage the overdraft facility to pay interest only on the loan amount you actually use
Here is an overview of the eligibility criteria and list of documents needed.
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:
Valid driving licence
Valid passport
UIDAI issued Aadhaar
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.
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.
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.
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.
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.
It varies depending on your application. If you meet the required parameters, HDFC Bank can disburse gold loans within 45 minutes.
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.
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.
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.