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HDB Gold Loan

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    HDB Gold Loan Key Features

    HDB Gold Loan Loan Amount Up to Rs. 1 Crore (With Income Proof)
    HDB Gold Loan Interest Rate 7.25% per annum
    HDB Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
    HDB Gold Loan Processing Fee 1.50% of the Principal Loan Amount
    HDB Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    HDB Gold Loan Repayment Tenure 3 Months to 24 Months
    HDB Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

    Advantages of HDB Gold Loan

    • Fast Procedure: You can take a Gold Loan from HDB without problems and swiftly with none obstacles. The mortgage receives accredited in only 60 minutes.
    • Fewer Documents: The documentation development is consistent here; fewer files are essential for the gold mortgage in HDB.
    • Transparent System: HDB proposals huge transparency to their consumer; and that is, there aren’t any unidentified charges.
    • Amount of Loan: The minimal quantity of mortgage that HDB can offer to their consumer is Rs. 15,000. And, in rural districts, it could be much less than Rs 10,000.
    • Protection of Jewellery: One crucial aspect to notice is that the Bank takes the entire responsibility for the safety of your gold. Afterwards, they saved the gold in fire-evidence safety.
    • Loan Tenure: The time-length of the Gold mortgage in HDB may be from three months to two years. Afterwards, you could select out your luxurious accordingly.
    • Profits for Ranchers: HDB gives a few special offers for agricultural purposes. HDB gives a negligible Gold Loan hobby charge for agronomic purposes.
    • No Debt Issue: There may be a fixed of occasions like wherein if an applicant isn’t always capable of pay off the quantity of mortgage, in that example, the applicant will now no longer be beneath neath any money owed because the Bank will allow the handiest capture the applicant’s ornaments.
    • No Income borders: There aren’t any regulations at the income or earnings of the applicant; henceforth, everybody with any income variety can practice for a gold mortgage in HDB

    How Much Gold Loan can I Get through HDB Gold Loan

    HDB Gold Loan Per Gram – Updated September 2020

    Updated - Gold Loan Per Gram Rate

    Gold Weight

    Gold Purity

    Gold Purity

    Gold Purity

    Gold Purity

    24 Carat

    22 Carat

    20 Carat

    18 Carat

    1 gram

    4680 4290 3900 3510

    10 gram

    46800 42900 39000 35100

    20 gram

    93600 85800 78000 70200

    30 gram

    140400 128700 117000 105300

    40 gram

    187200 171600 156000 140400

    50 gram

    234000 214500 195000 175500

    100 gram

    468000 429000 390000 351000

    200 gram

    936000 858000 780000 702000

    300 gram

    1404000 1287000 1170000 1053000

    400 gram

    1872000 1716000 1560000 1404000

    500 gram

    2340000 2145000 1950000 1755000

    HDB Gold Loan Eligibility


    18-70 years of age



    Employment Status

    Salaried, Self-Employed

    Gold Quality

    Minimum 18 Carats


    HDB Gold Loan Documents Required


    2 Passport Size

    Identity Proof

    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

    Residence Proof

    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)


    HDB Gold Loan Interest Rate, Fees and Charges

    HDFC Gold Loan Interest Rate

    7.00% per annum

    Processing Fee

    1.50% of the Principal Loan Amount

    Prepayment/Foreclosure Charges

    2%+GST (Within 3 Months), 0 (After 3 months)

    Valuation Fee

    Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

    Late Repayment Charges

    2% p.a. + Applicable rate of interest.

    Renewal Processing Fees

    Rs 350 + GST


    About HDB Gold Loan

    Life is complete of issues and fears. Subsequently, you can want coins to combat with monetary issues to your life. In that case, you could get a Gold Loan from HDB to combat with the financial emergency. A gold mortgage is a closed mortgage. After, humans with decreased CIBIL rating also can practice for this service. However, there is lots of financial Banking and non-Banking agencies which could offer you with the gold mortgage.

    However, Gold Loan is taken into consideration the greatest. HDB got here into life in 1960. It is one of the maximum misleading and continual Banks in India. Also, it’s far acknowledged for its robust financial features. Here the transactions are very secure.

    • HDB Gold Loan Interest Rate is 7.25% per annum
    • HDB Gold Loan Per Gram is ₹ 5,219
    • HDB Gold Loan Tenure: Up to 24 months
    • HDB Gold Loan Processing Fee is Up to 1.50% of the principal Loan Amount + GST

    Types of HDB Gold Loan

    HDB gives a few plans allied to the Gold Loan object which can be indexed below:

    • Loan Against Gold – HDB gives Gold Loan at exciting steps is crucial to fulfilling anybody’s important the want for belongings for any motive whether or not character or professional. The gold credit score is made sure approximately the sort of loans, and then, the Bank has no risk in giving the whole thing to the applicant, so it’s far given at a slower step of satisfactory while related to one-of-a-kind kinds of Loan items.
    • Loan Against Gold for the Farming enterprise – HDB gives Gold Loans in reality to farming enterprise functions to ranchers at an unprecedented step of the hobby while related to gold loans given for one-of-a-kind possibilities. They are given several offers, and on the time of taking the loan, you need to deliver the Bank your Property evidence

    HDB Gold Loan EMI Calculator

    Rate of Interest
    6 months
    1 Yr
    2 Yrs
    3 Yrs
    7.00% 17008 8652 4477 3088
    8.00% 17058 8699 4523 3134
    8.50% 17082 8722 4546 3157
    9.00% 17107 8745 4568 3180
    9.50% 17131 8678 4591 3203
    10.00% 17156 8791 4614 3227
    10.50% 17181 8815 4637 3250
    11.00% 17205 8838 4661 3274
    11.50% 17230 8861 4684 3298
    12.00% 17254 8885 4707 3321
    12.50% 17279 8908 4731 3345
    13.00% 17304 8932 4754 3369
    13.50% 17329 8955 4778 3393
    14.00% 17354 8979 4801 3418
    14.50% 17378 9002 4825 3442
    15.00% 17403 9026 4845 3466


    How to Pay Your HDB Gold Loan EMI?

    •  Standing Instruction (SI): If you’re a cutting-edge account holder with HDB, Standing Instruction is a very reliable process to pay. Your EMI entirety can be credited logically at the manner to the month’s quit to month time body from HDB account you show.
    • Electronic Clearing Service (ECS): The software may be beneficial withinside the incident which you have a non – HDB and can want your EMIs to be charged consequently near the best restriction of the month to month cycle from this record.
    • Post-Dated Checks (PDC): You can gift post-dated EMI investigations from a non-HDB account at your nearest HDB Loan Centre. Another approach of PDCs has to be on hand in a specific manner. It can be fantastic withinside the manifestation which you notice Post Dated Checks can be accumulated non-ECS states commonly speaking.

    HDB Gold Loan Contact Number

    Call 9878981144 and get fast assist and settlement in your HDB Gold Loan. You can now recognise the top rate proposals on Gold Loan available from all HDB Branches in all around the united states to advantage the pinnacle deal related in step with your requirements.

    Gold Ornaments Accepted by HDB 

    • Gold Jewellery – Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc. all of those are allowable through HDB to take a Gold Loan.
    • Quality – The best of Gold should be in among of 18 Carat to 22 Carat. Any gold decoration that is 24 Carat can not be used to take a gold mortgage.

    Use of HDB Gold Loan

    The belongings strong through availing HDB Gold Loan facility which may be used for multiple functions like 

    • To fund any unique hoards like marriage, climbing, instalment of better training expenses, etc.
    • For all of your advertising and marketing necessities, inclusive of acquiring new supply, growing advertising and marketing, etc., mortgage facility is accessible.
    • You also can follow for the Gold loan for agrarian ideas. The Bank offers nominal prices of a hobby for Gold Loans which might be used for agriculture or associated plans


    FAQs About HDB Gold Loan

    • What is HDB Gold Loan?

    HDB Gold Loan is a mortgage device that you may follow for pressing economic assist through preserving your Gold as protection with the Bank. Also, it comes with excellent interest charges on Term Loan, Overdraft, and EMI primarily based totally mortgage. Customary Gold Loan disbursement time at HDB is simply forty-five minutes.

    • How can I get the Gold Loan from HDB?

    You can fluently get the HDB Gold Loan through journeying any of the gold mortgage imparting branches of HDB. You may follow online with Loannow through merely sitting at your own home and get the first-class agreements and proposals. HDB is one of the leading Banks in India that gives Gold Loan features.

    • What is Gold Loan Interest Rate in HDB?

    The Interest charge for the Gold Loan in HDB is 7.25% in line with annum. The charge of a hobby is the problem to numerous factors, namely: mortgage amount, mortgage time-periods, purity of Gold, and connotation with HDB.

    • How much Gold Loan can I get per gram in HDB?

    The inline with gram Gold Loan in HDB that you may get relies upon at the purity of your Gold. HDB determined to take the Gold of purity among 18 carats to 22 carats to provide a Gold Loan. You can avail up to ₹ 5,219 Per Gram in HDB Gold Loan.

    • How to check Gold Loan status in HDB?

    To take a look at your HDB Gold Loan popularity all, you want to do is, go to the HDB Loan Status Tracker internet web page and fill your info withinside the shape given there. You may song the popularity resourcefully of your mortgage from the house and live updated.

    • How to calculate Gold Loan Interest in HDB?

    You can calculate the interest rate to your HDB Gold Loan the use of Loannow EMI Calculator which offers you included quantities primarily based totally at the information you input into the calculator.

    • How to Pay HDB Gold Loan Interest Online?

    You can pay HDB Loan interest online via internet Banking at the dedicated HDB mortgage reimbursement online web page. Or else, you may additionally refund your HDB Gold Loan on Paytm the use of your preferred charge process.

    • What if I can’t pay the interest on HDB Gold Loan for 3 months?

    If you do now no longer pay your Gold Loan for three months, first off the Bank will remind you of your due payments. And after that, If the charge requests move ignored, an advocated criminal observe is despatched annoying the reimbursement to complete the mortgage. Non-charge to your Gold Loan will result in a diminishing of your credit score rating and additionally makes you legally responsible for standing criminal moves through the Bank in addition to seizure and public sale of your Gold.

    • How can I apply for EMI Moratorium on HDB Gold Loan?

    You can follow for an EMI Moratorium on HDB Gold Loan now among 1st March and 31st August 2020 and must be completed through speaking the Bank’s Customer care or through journeying the closest HDB branch.