HDFC Gold Loan

Gold Loan at 7.25% p.a

Apply & Get Instant Money

HDFC Gold Loan Key Features

HDFC Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
HDFC Gold Loan Interest Rate 7.25% per annum
HDFC Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
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

Gold Loan will be loans availed by swearing or pledging your gold jewelry with a bank. HDFC Gold Loan can be taken for meeting critical personal costs such as education expenses, marriage, and other money-related crises in the family and in addition to business purposes. The gold mortgaged goes about as a security to the loan. Taking a loan from HDFC will let you relish several features.


HDFC Bank provides wholesale banking, retail banking, treasury, auto loans, two-wheeler loans, personal loans, loans against property, permanent consumer loan, lifestyle loan, Gold Loan, and credit cards. Besides these, various digital products are Payzapp and SmartBUY.

HDFC Gold Loan rates and fee

Interest rate: 7.25% to 15.90%.

Processing charges: 1.5 percent plus GST

Foreclosure fee: 2%

HDFC Bank Gold Loan


You can avail a loan amount of Rs. 50,000 onward and 10000 for rural markets.

Instant funds are gold loan

Average interest rate is 7.25%.

Collateral will be in safe hand.

No botheration of heavy documentation.

There are no concealed charges.

Extreme prepayment charges do not exist.


Documentation for HDFC Bank Gold Loan

  • Passport.
  • Diving License
  • Voter’s ID Card
  • Aadhaar Card
  • PAN (Permanent Account Number) Card.

Eligibility criteria to avail HDFC Bank Gold Loan

Income: Applicants ought to have adequate income to reimburse the loan sum.

Security: Applicants can get this loan just on giving security as gold.

How to apply for a Gold Loan with HDFC Bank?

Visit any of our branches.

Contact the customer care executive.

Then the executive will help you fill out a KYC form and simultaneously guide you through the rest of the process.

FAQ About HDFC Bank Gold Loan

What type of security is pledged?

Loan will be provided against the gold pledged.

What is the tenure of the loan?

Tenure will be from 6 to 48 months.

How to repay a loan?

You can repay it at any of the branches through cash, debit cards, or cheque.

When I”ll get back the pledged gold?

The gold will be given back to you after the entire amount has been repaid.

Is my Gold safe with HDFC Bank?

Yes, it is. We provide full security.

How much amount will be disbursed?

It depends on the rate of gold and the purity of gold ornaments.

Gold Loan Interest Rate of Major Banks


 Interest Rates

HDFC Bank Gold Loan

7.25% – 14.50%

ICICI Gold Loan

7.25% – 16.10%
Muthoot Finance Gold Loan

7.25% – 24.00%

Axis Bank Gold Loan

7.25% – 17.00%
Manappuram Gold Loan

7.25% – 26.00%

Yes Bank Gold Loan

7.25% – 15.99%
Bank of India Gold Loan

7.25% – 26.00%

Federal Bank Gold Loan 

7.25% – 13.50%
IIFL Gold Loan

7.25% – 12.00%

Central Bank of India Gold Loan

7.25% – 14.65%

Canara Bank Gold Loan

7.25% – 12.65%

Allahabad Bank Gold Loan

7.25% – 10.45%

Induslnd Bank Gold Loan

7.25% – 15.75%
PNB Gold Loan

7.25% – 11.75%

Bajaj Finance Gold Loan

7.25% – 26%
SBI Gold Loan

7.25% – 15.99%

Indian Bank Gold Loan

7.25% – 15.99%
UCO Bank Gold Loan

7.25% – 26.00%

Kotak Mahindra Bank Gold Loan

7.25% – 13.50%
Syndicate Bank Gold Loan

7.25% – 12.00%