HDFC Gold Loan

Gold Loan @ 7.10%

Apply & Get Instant Money

HDFC Gold Loan Key Features

HDFC Gold Loan Interest Rate 7.10% per annum
HDFC Gold Loan Per Gram Rate Per Gram Today is ₹ 5,255
HDFC Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
HDFC Gold Loan Processing Fee 1.50% of the Principal Loan Amount
HDFC Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
HDFC Gold Loan Repayment Tenure 3 Months to 24 Months
HDFC Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

About HDFC Gold Loan

You can easily get the Gold Loan from HDFC Bank within a few minutes. All you need is gold and some documents. You can get financial aid to start your new business, or you can fulfill any of your personal needs. And the best thing about the gold loan is that it can be approved within a few minutes. You do not need to do formalities like you have to do in case of other loans like a personal loan or car loan. You can fill online form for the HDFC Gold Loan on On our site, you can easily get to know about the interest rate and the eligibility criteria as well. As we know that HDFC is on a reliable financial organization so there is no fear of fraud.

Why Gold Loan?

Gold Loan is useful in many essences but most important is that your gold will be in the safest place. The bank takes full guaranty of your gold. Even if you want to put your gold in bank lockers safely and securely then you have to pay to the bank for it but the bank provides you locker only not security. So it’s better to get a Gold Loan, you will get money and security at the same time. Bank will be responsible for any kind of miss happening. Gold loan is available at very fewer interest rates in many banks. 

Forms of Gold Accepted For A Gold Loanhdfc gold loan

You need to have the gold of purity 18 carats to 22 carats. It can be in any form given below

  1. You can pledge gold jewelry
  2. A borrower can use gold coins as a security
  3. Gold bricks can also be considered by banks while providing a gold loan to the customers.

Why Only HDFC Gold Loan?

Not every bank or financial organization provides a gold loan but there are some who do. Then why we should choose HDFC Gold Loan over them. There are some reasons for this. HDFC is offering gold loans under a scheme sampoorna bharosa. This is available in every branch of HDFC bank. HDFC Bank offers low EMI’s to the customers. The bank is ready to give you money against the gold ornaments pledged by you. Bank has the power to refuse your case if they don’t find it sound enough. The loan amount can be used for any personal purposes but the customer is completely restricted to use this loan to buy gold.

  1. HDFC is one of the reputed banks not only in India but overseas also.
  2. Bank provides a very secure procedure to give gold loans and your ornaments are going to be in a secured system.
  3. HDFC bank offers total transparency towards its customers.
  4. Interest rates are low as compared to other banks.
  5. Execution process for a gold loan is very fast.
  6. It provides a special rate of interest to agriculturists.
  7. Besides this, very fewer documents are required for the gold loan.
  8. Although gold loan starts from Rs. 50000 it can be less than Rs. 50000 for rural areas.

HDFC Gold Loan Features

HDFC bank offering further three schemes for gold loan

  1. Term Loan – under this scheme the customer just has to pay interest rate every month and principal amount will be paid in the end.
  2. EMI – this gold loan scheme is only for those customers who have an account in their bank this customer can return the loan within 36 months. And he can pay back the loan in the forms of EMI’s. But if the customer wants to close the case before 36 months he/she can close Bank gives permission to do so.
  3. OD – In this scheme customer will have to pay only for the amount of loan that he is using, not on the whole amount.

HDFC Bank Gold Loan Eligibility

There are some conditions that the applicant should fulfill to get a gold loan. These are written below

  1. Age of the applicant should be more than 18 years and less than 65 years. He/she should be able to return the loan amount on time.
  2. Applicant should have gold in the form of coins/ jewelry/bricks. But the purity of the gold should be 18 carats to 24 carats.
  3. Applicant should be a citizen of India.

HDFC Bank Gold Loan Documentations

  1. The whole process is very easy and simple. Documents required in a very simple form. You instantly get a gold loan after issuing the documents. Identity proof (Passport/Id card/voter card/driving license) can be any one of them. Everyone easily has these documents so there is no problem with the submission.
  2. 2 passport size photos, a passport can also be considered as your identity proof because a passport has a name, age, address, and a photograph of the customer. If you are having a passport then there is no need to bring your address proof separately. But the passport should not be expired.
  3. Residence proof can be aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
  4. Driving license is also regarded as a proof of identity and residence proof because it contains the name, date of birth, and a photograph of the customer. But the condition is that it should not be expired.
  5. Aadhar card provided by UIDAI contains biometric details of the customers like age, date of birth, and a photograph of the individual.
  6. PAN card is the permanent account number that is provided to the customers and it prevents financial frauds. So it is also considered as an identity/residence proof. Pan Card is a very essential document under KYC (know your customer)
  7. Ration card is also considered as a residence proof because it provides enough information about the applicant.

HDFC Gold Loan Interest Rates

  1. Interest rates given by HDFC Bank start from 7.10% and these can be increased by up to 15%.
  2. You can return your loan within 6 months to four years.
  3. Gold loan processing fee – 0 to 0.5% of the sanctioned amount of gold loan. Bank would charge 2% penal charges over the original loan interest rate on the overdue amount.
  4. Prepayment charges – Nil to1% of the principal amount


On you can get all access to so many quires simultaneously. There is no need to go to different sites. If you apply for the gold loan by there is no need to go in banks. Your documents will be picked up from your doorstep. There can be a little more negotiation in interest rates.

Gold Loan Interest Rate of Major Banks


 Interest Rates

HDFC Bank Gold Loan

7.10% – 14.50%

ICICI Gold Loan

7.10% – 16.10%
Muthoot Finance Gold Loan

7.10% – 24.00%

Axis Bank Gold Loan

7.10% – 17.10%
Manappuram Gold Loan

7.10% – 26.00%

Yes Bank Gold Loan

7.10% – 15.99%
Bank of India Gold Loan

7.10% – 26.00%

Federal Bank Gold Loan 

7.10% – 13.50%
IIFL Gold Loan

7.10% – 12.00%

Central Bank of India Gold Loan

7.10% – 14.65%

Canara Bank Gold Loan

7.10% – 12.65%

Allahabad Bank Gold Loan

7.10% – 10.45%

Induslnd Bank Gold Loan

7.10% – 15.75%
PNB Gold Loan

7.10% – 11.75%

Bajaj Finance Gold Loan

7.10% – 26%
SBI Gold Loan

7.10% – 15.99%

Indian Bank Gold Loan

7.10% – 15.99%
UCO Bank Gold Loan

7.10% – 26.00%

Kotak Mahindra Bank Gold Loan

7.10% – 13.50%
Syndicate Bank Gold Loan

7.10% – 12.00%