HDFC Gold Loan

HDFC Bank provides Gold Loans starting from Rs 25,000, with repayment periods of up to 42 months. In rural areas, the minimum loan amount is Rs 10,000. HDFC Bank disburses Gold Loans within 45 minutes and offers triple-layer security for the pledged gold. The bank also provides overdraft, EMI-based repayment, and bullet-repayment options to Gold Loan borrowers.

HDFC Bank Gold Loan Highlights

Collateral Pledge your gold ornaments and jewelry as collateral.
Processing Fees 1% of disbursal amount
Pre-closure Charges 1% on the outstanding principal
Valuation Charges Up to Rs 575
Gold Loan Processing Time within 45 minutes of application.
Gold Loan Repayment Facility Term Loan, Overdraft and Bullet repayment facility
Loan Tenure From 6 months to 42 months
Loan Amount Rs.25,000 onwards (Rs.10,000 onwards in case of rural markets)

HDFC Bank Gold Loan Interest Rate

HDFC's Gold Loan interest rates vary based on factors such as loan tenure, amount, borrower, and quality of gold. Present rates range between 8.50% to 15.97% per annum.

Also read: Best Gold Loan Interest Rate

Gold Loan Interest Rates Offered By Partner Banks & NBFCs

Bank/NBFC/Fintech Interest Rate
State Bank of India 8.75% p.a. onwards Apply Now
Axis Bank 17% - 19% p.a. onwards Apply Now
Punjab National Bank 9.25% p.a. onwards Apply Now
Bank of India 8.80% p.a. onwards Apply Now
IndusInd Bank 8.80% p.a. onwards Apply Now
Bank of Baroda 9.40% p.a. onwards Apply Now
Union Bank of India 9.30% – 10.65% p.a. Apply Now
Canara Bank 9.25% p.a. onwards Apply Now
HDFC Bank 8.50% - 15.97% p.a. Apply Now
Federal Bank 8.99% p.a. onwards Apply Now
ICICI Bank 10% p.a. onwards Apply Now
Bajaj Finserv 9.50% – 28% p.a. Apply Now
Manappuram Finance 12% p.a. onwards Apply Now
Bank of Maharashtra 9.30% p.a. onwards Apply Now
Kotak Mahindra Bank 8% - 24% p.a. onwards Apply Now
Indian Bank 0.77% per month Apply Now
IIFL Finance 11.88% - 27% p.a. Apply Now
Rupeek 8.88% p.a. onwards Apply Now
Muthoot Finance 10.90% p.a. onwards Apply Now
Shriram Finance 11.40% p.a. onwards Apply Now
gold loan image

Facing financial crunch? Your gold can be your rescue

Apply Now

Features of HDFC Bank Gold Loan

Loan amount

HDFC Bank provides loans starting at Rs 25,000, with a minimum loan amount of Rs 10,000 available specifically in rural markets.

Processing Time

HDFC Bank claims to disburse gold loans within 45 minutes of the loan application being made.


HDFC Gold Loans are available for flexible tenures ranging from 6 months to 42 months.


HDFC Bank provides term loan, overdraft, and bullet repayment facilities for its gold loan. Customers can choose to repay EMIs every month or only pay interest every month. With the bullet repayment option, borrowers can repay both the principal amount and interest after 1 year of availing the loan.

Also read: Best Gold Loan EMI Calculator

gold loan image

Get Lowest Interest Rates on your Gold Loan

Apply Now

HDFC Bank Gold Loan Processing Fees, Foreclosure Fees & Other Charges

Particulars Charges
Processing Fees Up to 1% of the loan amount; (NIL for Micro & Small Enterprises for loan amounts up to Rs 5 lakhs, subject to the submission of Udyam Registration Certificate before the loan disbursal)
Renewal Charges Rs 350
CIBIL Charges Rs 500
Payment Return Charges Rs 200
Valuation Charges
  • Rs 250 (for up to Rs 1.5 lakhs packet per loan)
  • Rs 575 (for above Rs 1.5 lakhs packet per loan)
Delayed instalment payment charge 18% p.a. on the overdue instalment amount
Legal & Incidental Charges As per actuals
Stamp Duty & other statutory charges As per actuals
Auction Charges As per actuals
TOD charges against Overdraft account 18% p.a.
Premature closure charges (Full/Part payment) 1% on the outstanding principal; NIL for Micro & Small Enterprises for loan amounts up to Rs 5 lakhs provided the repayment has been done from own sources

Eligibility Criteria for availing HDFC Gold Loan

HDFC Bank offers gold loans to Indian residents aged between 18 and 75 years. Farmers, salaried employees, traders, businessmen, and self-employed individuals are eligible to apply for HDFC Bank Gold Loan.

Also read: Best Gold Loan Eligibility

gold loan image

Facing financial crunch? Your gold can be your rescue

Apply Now

Documents Required for HDFC Gold Loan Application

The detailed list of documents required for availing HDFC Bank Gold Loan is as follows:

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

Also Read : Best Gold Loan Documents Required

gold loan image

Get Lowest Interest Rates on your Gold Loan

Apply Now

Features of HDFC Gold Loan

Some of the features of HDFC Gold Loan are highlighted below:

  • Low processing fee: Borrowers are charged a minimal processing fee, keeping general trends and competition in mind.
  • Flexible repayment: The loan can be repaid through flexible EMIs, with borrowers having the option to choose a tenure that suits their repayment needs.
  • Quick approval: Minimal documentation results in quick approval, minus any hassles and delays.
  • Loan amount: Individuals can avail loan amounts that suit their needs, with HDFC Bank open to considering loan amounts on a case-by-case basis.
  • Prepayment: Borrowers can prepay the loan without worrying about excessive prepayment charges.
  • Competitive interest rates: Interest charged by HDFC Bank on this gold loan scheme is highly competitive, with special rates offered under certain circumstances.
  • Transparent: There are no hidden charges, with transparency maintained at all stages.
  • Safety: The collateral pledged by individuals is kept safe, with a 3-tier sealing system in place.
gold loan image

Get a gold loan for your immediate financial needs

Apply Now

FAQs on HDFC Gold Loan

1. What is the minimum loan amount offered under this scheme?

The minimum loan amount is set at Rs 25,000 for urban markets, while rural borrowers can avail loans starting from Rs 10,000.

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

HDFC's Gold Loan is designed as an over-the-counter loan, allowing applicants to avail a loan in under an hour, provided they meet certain basic eligibility criteria.

3. What is the repayment tenure for this loan?

This loan offers flexible repayment tenures, ranging between 6 months and 4 years.

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

Yes, existing customers can negotiate interest rates with the bank, giving them an opportunity to lower their rates.

5. Are there any purposes for which this loan cannot be used?

Yes, this loan can only be used for personal or business purposes, as HDFC prohibits the use of the loan for purchasing gold, land, or engaging in market speculations.

gold loan image

Turn your gold into opportunity. Avail gold loans with quick disbursal

Apply Now