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HDFC Bank offers Gold Loan for loan amounts starting from Rs 25,000 and for tenures of up to 2 years. The minimum gold loan amount offered by the bank in rural areas is Rs 10,000. HDFC Bank claims to disburse Gold Loans within 45 minutes and a triple layer security for the gold pledged as collateral. The bank offers overdraft facility, EMI based loan repayment facility and bullet-repayment facility to its Gold Loan borrowers.
HDFC Bank Gold Loan – 2022 |
|
| Collateral | Loan against security of your gold item |
| Loan Amount | Depending on the credit profile of the loan applicant subject to the regulatory cap of 75% by the RBI |
| Loan Tenure | From 3 months up to 2 years. |
| Loan Amount | Loans starting at Rs.25,000 (Minimum loan amount of Rs.10,000 incase of rural markets) |
| Gold Loan Repayment Facility | Term Loan, Overdraft and Bullet repayment facility |
| Custody | Triple-layer security for your gold |
| Gold Loan Processing Time | Bank claims to disburse Gold Loan within 45 minutes |
| Customer Type | An Indian Resident between the age of 18 and 75 years who is a businessman, trader, farmer, a salaried or self-employed individual |
| Processing Fee | 1% of disbursal amount |
https://www.hdfcbank.com/personal/borrow/loan-against-assets/gold-loan
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 the interest rate range offered to gold loan applicants, the interest rates offered may vary depending the credit profile of the loan applicant, quality of the gold jewellery offered as collateral, loan tenure, type of gold loan facility availed, etc. However, HDFC Bank Gold Loan interest rates should be lower than HDFC Bank Personal Loan interest rates due to the secured nature of the gold loans. Still applicants having good credit profiles should compare the HDFC Bank Personal Loan features and personal loan interest rates offered by the top banks and NBFCs before making the final gold loan application.
Interest Rates for Gold Loans disbursed during Quarter April’22-June’22
| Bank IRR (Min) | 7.60% |
| Bank IRR (Max) | 16.81% |
| Average | 10.60% |
APR for Gold Loans disbursed during Quarter April’22-June’22
| APR (Min) | 7.60% |
| APR (Max) | 16.83% |
| APR Average | 10.60% |
HDFC Bank Gold Loan Processing Fees, Foreclosure Fees & Other Charges
| Loan Processing Charges | 1% of disbursal amount |
| Valuation Fee | Rs 250 +applicable tax up to 1.5 lacs per packet per loan
Rs 575 +applicable tax above 1.5 lacs per packet per loan |
| Foreclosure/prepayment charges | 1% + applicable tax |
| Stamp Duty & other statutory charges | At Actual |
| Renewal Processing Fees | Rs 350 + applicable tax |
| Auction charge | As per actual |
| Bounce charges | Rs 200 + GST |
| Legal and collection chages | At actuals |
| CIBIL Report copy charges | Rs 50 |
| Default Interest/Penalty | 2% additional levy over existing Rate of Interest from the date of maturity till loan account is regularized/closed. |
https://www.hdfcbank.com/personal/borrow/loan-against-assets/gold-loan/fees-and-charges
HDFC Gold Loan EMI Calculator
Using our Gold Loan EMI Calculator, you can check the amount of EMI you will have to pay every month on your gold loan. Follow the below listed steps-
- Visit Gold Loan EMI Calculator page
- Enter the preferred loan amount, interest rate and loan tenure
- After filling the details, you will be able to see the EMI amount on the right side of the screen
The online calculator can help you find out how much EMI you would need to pay for the borrowed loan amount. With the use of this EMI calculator, you can try different interest rates and tenure permutations and combinations offered by different banks to grab the best available option.
Alternatively, you can click here to visit the HDFC Bank gold loan EMI calculator and follow the below mentioned steps-
- After visiting the page, enter the amount you need and the rate of interest
- Click on “Calculate”
- The amount you will have to pay every month will be displayed on the screen
HDFC Bank Gold Loan- Eligibility & Documentation
Eligibility Criteria-
- Indian resident between the age 18 and 75 years are eligible for availing HDFC Bank Gold Loans
- Applicant should be a businessman, farmer, trader, salaried or self-employed individual
Documents Required-
Given below is the list of documents out of which any one is required to be submitted.
- Passport (Not expired)
- Driving license (Not expired)
- Voters’ ID Card
- Aadhaar Card issued by UIDAI
- PAN (Permanent Account Number) Card (along with any of above mentioned documents) or Form 60
- One Passport Size Photograph
- Agri Allied Occupation Documentation( in case of bullet repayment for agriculture customers)
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
Link for the list of Nodal Officers appointed by HDFC Bank for Grievance Redressal: https://www.hdfcbank.com/personal/useful-links/our-corporate-commitment/nodal-officers
Link for filing complaint with RBI Sachet Portal: https://sachet.rbi.org.in/Complaints/Add