HDFC Gold Loan

HDFC Bank Gold Loan Highlights
Collateral	Pledge of your gold ornaments and jewellery
Loan Tenure	From 6 months to 42 months
Loan Amount	Rs 25,000 onwards (Rs 10,000 onwards in case of rural markets)
Gold Loan Repayment Facility	Term Loan, Overdraft and Bullet repayment facility
Gold Loan Processing Time	Within 45 minutes of making a loan application
Processing Fee	1% of disbursal amount
Valuation Charges	Up to Rs 575
Pre-closure Charges	1% on the outstanding principal

Last updated as of 20 March 2025

HDFC Bank Gold Loan Interest Rate

HDFC Bank claims to offer competitive interest rates on its gold loans offered in the form of term loan, overdraft facility and EMI-based loan. While the bank has not explicitly disclosed its gold loan interest rates, the rates offered to its gold loan applicants may vary depending on the credit profile of the loan applicant, quality of the gold jewellery offered as collateral, loan tenure, type of gold loan facility availed, etc.  The following are interest rates of HDFC Bank Gold Loans disbursed April-June Quarter of 2024.

Interest Rates for Gold Loans disbursed during Quarter April 24-June 24

Bank IRR (Min)	9.10%
Bank IRR (Max)	17.90%
Average	12.13%

APR for Gold Loans disbursed during Quarter April 24-June 24

APR (Min)	9.10%
APR (Max)	17.90%
APR Average	12.14%

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 amount up to Rs 5 lakhs, subject to the submission of Udyam Registration Certificate before the loan disbursal)
Renewal Charges	Rs 350
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 amount up to Rs 5 lakhs provided the repayment has been done from own sources
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
Payment Return Charges	Rs 200
Stamp Duty & other statutory charges	As per actuals
Auction Charges	As per actuals
CIBIL Charges	Rs 500
Legal & Incidental Charges	As per actuals

Other Features of HDFC Bank Gold Loan

Loan amount

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

Tenure

HDFC Gold Loans are offered for tenures ranging from 6 months to 42 months

Repayment

HDFC Bank offers term loan, overdraft and bullet repayment facility for its gold loan. Customers have the choice to repay their EMIs every month or only repay interest every month. In case of bullet repayment option, borrowers can repay both the principal amount and interest after 1 year of availing loan.

Processing Time

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

Eligibility Criteria for availing HDFC Gold Loan

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

Documents Required for HDFC Gold Loan Application

Stated below is the detailed list of documents required availing HDFC Bank Gold Loan.

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

HDFC Gold Bank Loan EMI Calculator

Applicants seeking to avail Gold Loan from HDFC Bank can use our Gold Loan EMI Calculator, to find out their EMI based on the interest rate and tenure. Alternatively, they click here to visit the Gold Loan EMI calculator listed on the HDFC Bank’s website.

HDFC Bank Gold Loan Customer Complaint Cell Details

Grievance Redressal Cell for Gold Loan Customers

Call	Monday to Saturday
1800 266 4060	9:30am to 5:30pm

Note: This facility is not available on Sundays, Bank Holidays and 2nd & 4th Saturdays