HDFC Bank Gold Loan

Gold Loan @ 7%

Apply & Get Instant Money

HDFC Gold Loan Key Features

Loan Amount
Up to Rs. 1 Crore (With Income Proof)
HDFC Gold Loan Interest Rate 7.0% per annum
HDFC Gold Loan Per Gram
Rate Per Gram Today is ₹ 4680
Processing Fee
1.50% of the Principal Loan Amount
Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Repayment Tenure
3 Months to 24 Months
Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

HDFC Bank Gold Loan at an Attractive rate of interest

HDFC Bank is one of the most trustworthy firms in India. It provides financial and banking services to the customers at an attractive rate of interest. Bank offers both Wholesale and Retail banking in India. HDFC bank provides different loans to the customer like Gold Loan, Business Loan, Education loan and Agriculture Loan. Gold loan for the one who is going through a financial crisis and needs money to fulfill their needs and having gold. Then this is the right opportunity to fulfill your dreams. After proper verification and evaluation of Gold, the loan has been sanctioned. The loan against gold is known to be a Gold loan which is sanctioned in return of gold ornaments. Special rate of interest offers to the HDFC customers and account bank holder in the HDFC Bank. Many Banks offer a lower rate of interest for gold loans of high tenure and a higher rate of interest for gold loans of low tenure. But it is not like with the HDFC bank. HDFC Bank offers a gold loan with a tenure of 3 months to 24 months.

Type of Gold ornaments Accepted by HDFC

Ornaments such as Gold Bar, Gold Biscuit, Gold jewelry (Gold Bangles, Gold Rings, Gold mangalsutra and Gold necklace etc) Gold Brick and Gold coins or anything of gold but having the high purity of 18-24karat.

Gold Loan Schemes by HDFC Bank

  • EMI Scheme
  • Bullet Repayment Scheme
  • Overdraft Scheme

Advantages of Gold Loan from HDFC Bank

  1. Bank also offers complete safety of jewels and there is no risk of losing jewelry in any way.
  2. Moreover, it also offers minimal processing fees to the customers
  3. HDFC allows prepayment of jewel loans with 2% only if closed within 3 months charges.
  4. Lower Interest Rate for special, classic and women customers as existing customers can negotiate the rate of interest with the banks from which they want a loan.
  5. The loan is granted for agricultural purposes, business and for personal use also.
  6. HDFC Bank provides Gold Loan instantly and includes no formalities
  7. Uniquely this Bank provides Loan at the low rate of interest to the customer
  8. It offers quick disbursals in few minutes

Documentation Required 

In HDFC Bank Gold Loan, the bank does not check your CIBIL score for the approval of your Gold loan neither asked you to submit your salary or income source proof. Only Basic KYC documents required that are

  1. A valid Driving License – The Driving License also contains proper details of the customer like the photograph, name, address, date of birth and all required detail. A valid Driving License here means which has not been expired and is valid for further years.
  2. A Passport – A valid passport means the passport which is not yet expired and is valid. The passport is an important document because it contains the name, age, address and photograph of the customer.
  3. Voter’s ID Card – a voter’s ID card serves as a valid identity proof of the customer as it is also made after proper verification. Voter’s ID Card issued by the Election Commission of India is also required for the sanction of gold loan.
  4. Aadhar Card contains all the required details of the customer including biometrics like name, age, address, date of birth, details about the parents, etc. issued by the UIDAI after proper verification.
  5. PAN Card – It is a Permanent Account Number Card which is a very important document in the Know Your Customer (KYC) formality because it is required because it helps in preventing money related frauds in banks.


  • Age of Applicant should be minimum 21 and up to 65 years, then only the customer will be eligible for taking the loan from HDFC Bank.
  • He/She should have a stable source of income so that they can pay EMI on the time.
  • Applicant must have Purity of Gold 18karat-24karat

Rates and fees

  1. In HDFC Bank gold loan Interest Rate starts from 11% onwards.
  2. Prepayment charges range from nil to 1% of loan principal prepaid
  3. Repayment period is also there in HDFC Bank which is 6 months to 4 years
  4. HDFC bank charges a Minimum Processing fee for a Gold loan that is 0-0.5%.

Easiest Way of Applying for Loan

You can easily apply for the Gold Loan in HDFC Bank. There are two methods of applying one is offline and the other is online. In the offline process, you need to visit the branch of the bank and there have to fill the form. After that, they will let you know the required documents and eligibility. In case of Online Process, you need to visit, there you will find an application form where you have to provide very accurate information. Just after filing, the customer representative of the HDFC bank will contact you and confirm some of your detail and let you know if you are eligible or not. After confirming eligibility they will fix your appointment with the banker. The banker will pick up the documents from your doorstep. In the online process, you just need to visit the bank once at the time of deposition of Gold and sanctioning of the loan at the same time. But if you still have doubt then go visit or you can also contact the customer representative and banker. Go and Apply now and get instant approval.

Gold Loan Interest Rate of Major Banks


 Interest Rates

HDFC Bank Gold Loan

7.00% – 14.50%

ICICI Gold Loan

7.00% – 16.10%
Muthoot Finance Gold Loan

7.00% – 24.00%

Axis Bank Gold Loan

7.00% – 17.00%
Manappuram Gold Loan

7.00% – 26.00%

Yes Bank Gold Loan

7.00% – 15.99%
Bank of India Gold Loan

7.00% – 26.00%

Federal Bank Gold Loan 

7.00% – 13.50%
IIFL Gold Loan

7.00% – 12.00%

Central Bank of India Gold Loan

7.00% – 14.65%

Canara Bank Gold Loan

7.00% – 12.65%

Allahabad Bank Gold Loan

7.00% – 10.45%

Induslnd Bank Gold Loan

7.00% – 15.75%
PNB Gold Loan

7.00% – 11.75%

Bajaj Finance Gold Loan

7.00% – 26%
SBI Gold Loan

7.00% – 15.99%

Indian Bank Gold Loan

7.00% – 15.99%
UCO Bank Gold Loan

7.00% – 26.00%

Kotak Mahindra Bank Gold Loan

7.00% – 13.50%
Syndicate Bank Gold Loan

7.00% – 12.00%