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Gold Loan provided by HDFC Bank is a secured loan where you can borrow money against your gold jewelry as collateral with the bank. The loan is provided after proper evaluation of the gold article. The amount of loan will depend upon the present market value of gold.   With HDFC Gold Loan, you can get up to 80% of the market value of your gold as a loan within 45 minutes. 

HDFC Sampoorna Bharosa loan is a scheme designed for applicants who wish to fulfill their emergency financial needs with quick funds against gold jewelry. The bank accepts gold jewelry up to 500 grams. It even accepts bank-purchased gold coins as collateral. The gold purity must be between 18 carats and 22 carats. HDFC Bank provides attractive Gold Loan offers and deals with quick disbursement.

HDFC Gold Loan comes with an interest rate starting at 9.50% per annum and loan amount starting from as low as Rs. 25,000, offering a repayment tenure of up to 2 years.

HDFC Bank Gold Loan Highlights

Particulars Details
Interest Rate Starting from 9.50%
Loan Amount Loans starting at Rs.25,000 (Minimum loan amount of Rs.10,000 available in rural markets)
Loan Tenure Up to 2 Years
Processing Fee 1.5% + GST
Collateral Loan against security of your gold item

HDFC Gold Loan Features & Benefits

  • Quick Approval: With less documentation, the loan gets approved fast and in a hassle-free way.
  • Multipurpose Loan: The loan amount can be used to meet any financial need of the customer.
  • Prepayment Charges: No prepayment charges are involved.
  • Transparent: There are no hidden charges involved throughout the loan tenure.
  • Safety: The collateral given by the applicant is kept safe with a 3-tier sealing system in place.
  • Maximum Permissible Value: Get up to 80% of the market value of your gold as a loan.
  • Loan Offering: Term Loan, OD, and Bullet repayment available.
  • Easy Payment Schedule: Payments can be done on a daily, weekly, or monthly basis.

HDFC Bank Gold Loan Interest Rates 

Loan Amount Rs.10,000-Rs.50 lakh
Loan Tenure 3 to 24 months
Interest Rate Starting from 9.50% 
Processing fee 1.5% + GST
Valuation fee  Rs.250 for a loan up to Rs.1.5 lakh and Rs.500 for a loan over and above Rs1.5 lakh
Foreclosure charges 2% plus GST foreclosure charges if closed within 3 months and after 3 months NIL foreclosure charged
Charges of late payment of loan amount  2% p.a. over and above the applicable rate of interest 
Stamp duty and other statutory charges As per applicable laws of the state
Renewal processing fee Rs.350 plus GST

HDFC Bank Ltd Gold Loan Eligibility Criteria

Age Anyone over the age of 21 to 65
Nationality Resident India
Occupation Salaried, Self-Employed, Businessman, Students, Pensioners, Housewives, etc.
Gold Purity The purity of  gold should be between 18 karats to 22 karats

Documents Required for HDFC Gold Loan

List Of Documents
  • Passport (Not expired)
  • Driving license (Not expired)
  • Voters’ ID Card
  • Aadhaar Card issued by UIDAI
  • PAN Card (along with any of the above-mentioned documents) or Form 60
  • Two Passport Size Photographs
  • Agri Allied Occupation Documentation( in case of bullet repayment for agriculture customers)
  • Signed Application

Compare Other Bank Gold Loan

BANKS Interest Rate
AXIS Bank Gold Loan 14.50% to 17%
HDFC Bank Gold loan 11% to 16%
Kotak Mahindra Bank Gold Loan 10.50% to 17%
Yes Bank Gold Loan 11.25% to 16.25%
ICICI Bank Gold Loan 10.00% to 19.76%
RBL Bank Gold Loan Starting at 10.75%
IndusInd Bank Gold Loan 10.50% to 16.00%
Canara Bank Gold Loan Starting at 13%
Punjab National Bank Gold Loan 10.05% to 11.05%

How to Apply for HDFC Bank Gold Loan?

  1. Offline method: By visiting the nearest bank branch.
  2. Online Method :
  • First of all Browse to the HDFC bank web portal
  • Now  click on the “personal” section
  • Now go “Borrow” section 
  • After that click on “Gold Loan” 
  • Fill the application form and submit it

HDFC Bank Gold Loan Customer Care

HDFC Credit Card 24*7 Toll-free Number

  • 1800 266 4332 
  • 1800 258 3838
  • 161606161/16160616 (chargeable number)

24x7 Credit Card Customer Care Numbers (City-Wise)

Ahmedabad 079 61606161
Bengaluru 080 61606161
Chandigarh 0172 6160616
Cochin 0484 6160616
Chennai 044 61606161
Delhi/NCR 011 61606161
Hyderabad 040 61606161
Indore 0731 6160616
Jaipur 0141 6160616
Kolkata 033 61606161
Lucknow 0522 6160616
Mumbai 022 61606161
Pune 020 61606161

Other Loans Offered by HDFC Bank

1. HDFC Bank Car Loan

2. HDFC Bank Business Loan

3. HDFC Home Loan

4. HDFC Personal Loan

FAQs On HDFC Gold Loan

Q.1. Can I pay part EMI towards my HDFC gold loan account?

No, the EMI amount payable should be either multiple of your current EMI or equivalent to the total EMI due.

Q.2. What is the repayment tenure for HDFC Gold loan?

HDFC Gold Loan has a flexible repayment option ranging from 3 months to 2 years.

Q.3. How much charges apply from HDFC Bank gold loan for late payment of loan amount?

2% per annum  over and above the applicable rate of interest charges apply from HDFC Bank gold loan for late payment of loan amount.

Q.4. Are there any purposes for which HDFC gold loan cannot be used?

Yes, this loan can be used only for personal/business use, with HDFC prohibiting the use of this loan to purchase gold, land, or market speculations.

Q.5. What are the minimum and maximum loan amounts provided by the HDFC Bank gold loan?

The minimum loan amount is Rs.10000 and the maximum loan amount is Rs.50 lakh provided by HDFC Bank gold loan.

Last Updated on : 18/Mar/2021

Know More About

Hdfc Bank Gold Loan

You're eligible for a Hdfc Bank Gold Loan if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Gold Loans is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Hdfc Bank Gold Loan Interest Rates

Updated on 25 Nov 2017

Hdfc Bank Gold Loan Details
Interest Rate (Monthly reducing balance) 11% - 16%
Processing Fees 1.5% + GST
Loan Tenure 2 year to years
Pre-closure Charges Varies with bank
Guarantor Requirement Varies with bank

Gold Loans EMI Calculator

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