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Gold is not just the ornaments, coins and bars. Besides these physical forms of gold, you can also make your investment in this yellow metal and own it in your portfolio to earn a lucrative return. It is a non-conventional way of owning and investing in gold. With the various customer-centric HDFC Gold Scheme, you can easily make an investment in this instrument to enjoy higher returns at less risk.


By staying invested in this scheme, you can reap several benefits. For example, you can forgo all your worries about the safe keeping of your purchased yellow metal. At the same time, it will help you benefit from the increase in the price of gold. Further, with the help of the scheme, you can easily and flexibly keep your money in gold bars, coins, ETF and Gold Sovereign Bonds, thereby lowering your risk factors.


These financial contracts are also known as Gold monetization schemes. Why? This is because by investing in such a way, you will not have to keep your gold idly in your household. Rather, you can channel your idle gold assets productively and enjoy a high return on them.

Know More About HDFC Gold Loan Scheme

With HDFC Bank, you can now monetize your unused gold, including those you have in HDFC Bank Gold Bonds, HDFC Sovereign Gold Bonds, Gold fund, Gold loan, etc. It lets you invest further in this asset class in addition to borrowing money by collateralising your existing gold in all such schemes.


For example, with the help of HDFC Sampoorna Bharosa Gold Loan,  you can pledge or hypothecate your golf as collateral and avail a substantial amount of credit with easy paperwork. With the financial institution, you can also invest in golf funds to generate a high return with the increasing value of gold. 


If you are interested in all these financial contracts, know more about them so that you can leverage these options if necessary.

HDFC Gold Loan

Are you against the idea of selling off your gold jewellery and investments to meet your immediate financial shortages? HDFC's Sampoorna Bharosa Gold Loan (roughly translated into English as “complete trust gold” scheme) is tailored for your needs. It lets you borrow a large amount of credit by collateralising your unused gold.


To get the credit, you need to walk into an authorised branch of HDFC Bank. The HDFC Gold Loan comes with a loan-to-value (LTV) ratio of 75%. This means that your loan amount can go up to 75% of the current market price of the gold you will pledge.


The loan application process is simple and hassle-free and it requires minimal paperwork. After getting your application form, the bank will evaluate the purity and market price of your pledged gold. All these processes are significantly fast, making the borrowing seem like it is an over-the-counter loan, especially for the existing customers of HDFC Bank. They can even get credit at a more attractive gold loan interest rate. 

Features of HDFC Gold Loan

Here are all you need to know about the interesting features of HDFC Gold Loan comes with:

  • Usage of credit: The credit obtained through gold loan has no restriction of end usage, thereby helping you manage your expenses quite efficiently. You can use the credit for personal, business or agricultural needs, like meeting short-term cash crunch, hospital bills, etc. 

  • Flexibility of Tenure: You can choose a repayment period starting from 6 months to 4 years and pay off the obligations with easy instalments.

  • Applicable Interest: The applicable interest rate for the HDFC Gold Loan normally starts from 7.20%. Due to this lower interest rate, the instalment amount does not become higher, making repayment easier.

  • No Prepayment Charges: Good news! You will not have to pay any foreclosure or prepayment charges. So, you can save much by closing your loan before time.

Benefits Of HDFC Gold Loan

Check out below to know the benefits of HDFC Gold Loan:

  • If you need to meet your existing financial shortages as soon as possible, the HDFC Gold Loan will suit your needs best. The application process is quick due to the minimal documentation process. Much to your satisfaction, the approval process for the loan can be as fast as 1 hour!

  • The existing customers of HDFC Bank can secure an attractive gold loan interest rate, especially if they are Preferred, Classic or Imperia customers or they are female borrowers. So, if you are one of them, you can go for the credit to meet your shortage of finance. 

  • By pledging your hallmarked jewellery, you can secure a high per gram valuation of your asset along with low processing fees. In fact, you can get the credit facility at more attractive terms and offers.

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Documentation and Eligibility for HDFC Gold Loan

As stated multiple times, the documentation process is minimal for the gold loan extended by HDFC Bank. Here are the few documents that you will have to submit to the lender during your loan application process:

  • PAN Card (mandatory)

  • Other ID proofs, including Driving Licence, Passport, Aadhar Card, Voter ID Card, etc. 

  • Bank account statement for at least the past 3 months (If you are an existing savings account holder of HDFC Bank, you can get this documentation from the bank)

  • Salary slip and/or the latest Form 16 

Eligibility for HDFC Gold Loan

  • Age: Between 18 and 75 years

  • Employment status: Employees of a public sector undertaking, with 1-2 years of continuous working experience, and a minimum income of Rs. 15,000 (for employees from metro cities, the threshold income is Rs. 20,000) 

HDFC Gold Loan Interest Rates & Charges

You can avail the HDFC Gold Loan at the market-best rate, as mentioned below:

Minimum Interest Rate

11% per annum

Maximum Interest Rate

16% per annum

There are no hidden charges applicable for the HDFC gold loan. Following are the different charges that you need to bear to get this loan:



Processing fees

1% of disbursal amount

Valuation charges

It differs according to the loan amount:

  • Loan up to Rs. 1.5 Lakhs: Rs. 250

  • Loan above Rs. 1.5 Lakhs: Rs. 575

Stamp duty

As determined by the state government

Foreclosure charges

1% of the loan principal + applicable tax

Part-payment charges

1%of the loan principal  + applicable tax

Renewal processing fees

Up to Rs. 350+ applicable tax

Late payment fees

Yearly 2% penal interest

Bounce charges

Rs. 200 + applicable tax

CIBIL Report copy charge

Rs. 50 

TOD charges (Overdraft)

18% per annum

**Disclaimer: The interest rate and the applicable charges on HDFC Gold Loan are subject to change, as determined by HDFC Bank. Herein all these details are listed only for informational purposes.

HDFC Sovereign Gold Bond

The HDFC Sovereign Gold Bond Scheme lets you invest in gold without having to own the commodity physically. Thus, by investing on this scheme, you do not need to continuously stay bothered about the security of your asset.

1. Features and Benefits of HDFC Gold Bond

Know the features and benefits of HDFC Gold Bond before making your own investment:

  • Return: You will earn a fixed interest rate of 2.5% on the amount of your initial investment.

  • Tenure: The tenure for this gold bond is 8 years.  

  • Lock-in period: You get the option to liquidate your investment after 5 years. So, you can address your financial shortages by exiting from the scheme after the completion of the 5th year.

  • Minimum investment: The minimum investment amount in this bond is 1 gram of gold. You can make additional investments with denominations in multiples of grams.

  • Maximum investment: Your maximum investment amount in this HDFC Gold Bond can be 4 kg of gold. However, a trust, University or Charitable Institution can invest in up to 20kg of gold.

  • Certificate: Under the Government Security Act, 2006, you will get a certificate in your name as proof of your holdings in the bond. As the sovereign gold bond is a government initiative, all your investment is more safe and secure.

  • Tax: You do not need to face any TDS deduction on your earned interest from the investment in this bond. Neither you will have to pay capital gains tax on the redemption of your investment.

2. Eligibility Criteria for HDFC Gold Bond

All residents of India are eligible to invest in HDFC Gold Bond, including individuals, trusts, HUFs, Charitable institutions, and Universities. You can also invest in this bond on behalf of a minor.

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HDFC Gold ETF is also a significant investment option through which you can put your money in gold funds. You can purchase or sell gold ETFs on the exchange. These are like highly liquid mutual funds which focus mainly on gold as an instrument for investment. 

The price of Gold ETF units changes according to the market sentiment. You can find the same for physical gold as well. However, compared to the yellow metal, HDFC gold ETFs are more secure and liquid. 

Features and Benefits of Gold ETF

Following are the essential features and benefits of HDFC gold ETFs:

  • Diversification of Portfolio: If you want to put some of your money into a safer investment instrument, you can go with gold ETFs. The market price of gold ETFs is not as volatile as company stocks.

  • Liquid Instrument: You can convert your investment into currency at any time without much hassle. You can easily sell your investment in the spot market.

  • Protection Against Inflation: Investing in gold ETFs lets you passively grow your money at a decent interest rate, which is generally higher than the inflation within the domestic economy.

  • Effortless Purchase: You can purchase HDFC Gold ETFs online without much hassle. The process is paperless and secure.

  • Secured Savings: It may be risky to keep the physical gold or jewellery at your home. The risk of burglary or theft always prevails. However, with your investment in ETFs, you can easily dodge this security risk.

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HDFC Gold Fund

HDFC Gold Fund is also another smart way to invest in gold without purchasing the metal in its physical form. It is an open-ended fund that invests in gold HDFC Gold Exchange Traded Fund or HGETFs. These gold ETFs are basically open-ended mutual funds that invest in gold and let investors make profit with the increase in gold prices. These are one of the favourite investment instruments because these are highly liquid instruments and help individuals stay highly profitable in the long term.

Features of HDFC Gold Fund

Following are some of the major features of this HDFC gold scheme:

  • Minimum Investment: You need to make at least an initial investment of Rs. 5,000 in this gold scheme. Further, your additional investments should be at least Rs. 1,000. 

  • Redemption: There is no lock-in period in this scheme as it is an open-ended fund. As a result, you have the option to redeem your investment at any time. 

  • No physical gold involved: You will not get the gold physically, thereby it does not push you to worry about its storage. The units of gold ETFs are purchased and sold in the secondary market, as a result, they are highly liquid.

  • SIP: You can choose to invest in the Gold scheme with monthly or quarterly Systematic Investment Plans (SIPs).

  • Flexibility: You can purchase an amount of gold starting from 1 gram.

  • Return: To approximate the amount you will receive after redemption, you need to calculate the average of the closing price of gold for at least the last 3 working days.


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 on HDFC Bank Gold Scheme

What documents are required for availing a gold loan from HDFC?

You need to provide the following basic KYC and financial documents to get the HDFC Gold Loan:

  • PAN Card (mandatory)

  • Other ID proofs, including Driving Licence, Passport, Aadhar Card, Voter ID Card, etc. 

  • Bank account statement for at least the past 3 months (If you are an existing savings account holder of HDFC Bank, you can get this documentation from the bank)

  • Salary slip and/or the latest Form 16

What all HDFC gold schemes are there?

HDFC Bank extends multiple gold schemes to its customers for purchasing and borrowing. These include HDFC Gold Bond, HDFC Gold Fund, and HDFC Gold Loan.

What is the HDFC Sovereign Gold Bond (SGB)? Who is the issuer?

Sovereign Gold Bonds are government securities in which you can make your investment in the yellow metal. You can take them as an alternative to your physical gold. Being a government scheme, the investment is highly secure. The SGBs are issued by the Reserve Bank of India (RBI).

Who is eligible to invest in the HDFC Sovereign Gold Bond?

All residents of India are eligible to invest in HDFC Gold Bond, including individuals, trusts, HUFs, Charitable institutions, and Universities. You can also invest in this bond on behalf of a minor.

Can NRIs invest in HDFC Gold Bonds?

No, investors must be Indian residents or an entity in India.

Is premature redemption allowed on HDFC Gold Bonds?

The tenure of HDFC Gold Bond is 8 years, but you have the option to liquidate your investment after the completion of the 5th year of your investment.


Can a Minor invest in HDFC Sovereign Gold Bond?

Yes. Guardians can invest in HDFC Gold Bond on behalf of a minor.

What is the lock-in for investment in Sovereign HDFC Gold Bond?

HDFC Sovereign Gold Bond comes with a lock-in period of 5 years. After this period, you can make your exit by liquidating your investment on the exchange.

Do I get any benefits as an HDFC account holder?

Yes, if you are an existing customer of HDFC Bank, you can complete your application process for loans quickly. The processing time becomes faster and you can also secure a market-best interest rate, given that  you have a good relationship with the bank.

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