HDFC Gold Loan: Features, Eligibility, Interest Rate 2022

HDFC Gold Loan is a loan that has been tailored to suit all your needs. And now you can apply, provided you have the necessary eligibility documents and an eligible co-applicant. Read on to find out what those are!

HDFC Gold Loan Highlights

Interest RateStarting at 9.90% p.a.
Loan AmountLoans starting at Rs.25,000 (rural markets Rs.10,000)
Loan TenureUp to 24 months.
Processing Fee1.5% + GST
HDFC Bank Gold Loan

What is HDFC Gold Loan?

HDFC Bank provides gold loan services to its customers in order to help them with their financial needs. HDFC Bank offers gold loans at competitive interest rates. The interest rate for HDFC gold loan is 9.90% p.a.

The HDFC gold loan interest rate is determined by the Loan to Value (LTV) ratio. The maximum LTV ratio for an HDFC gold loan is 80%. This means that the loan amount will not exceed 80% of the value of the gold pledged as collateral. The repayment period is up to 24 months.

The HDFC Bank gold loan can be used for various purposes such as business expansion, wedding expenses, educational fees, etc. You can also use the loan to meet unexpected financial requirements.

HDFC Gold Loan Interest rates 2022

HDFC Bank offers gold loans at very attractive interest rates. The current interest rate for a gold loan starting is just 9.90% p.a. This makes HDFC Bank one of the most competitive lenders in the market.


Annual Percentage Rate offered to Customers-

APR MinimumAPR MaximumAPR Average

Read Also – Bank of Baroda Personal Loan

HDFC Gold Loan EMI Calculator

Calculating your HDFC gold loan EMI is simple and easy with our online EMI calculator. All you need to do is enter the loan amount, tenure and interest rate to calculate your monthly instalment. You can also use the slider to see how the EMI changes with different loan amounts and tenures.

Our HDFC gold loan EMI calculator is a handy tool that can help you plan your finances and make an informed decision about taking a gold loan. Try it out today!

HDFC Gold Loan Features

HDFC Bank offers gold loans that can help you unlock the value of your gold and use it as collateral for a loan. Here are some of the features of HDFC gold loans:

  • Loan amount: You can avail of a loan amount starting from Rs.25,000 up to 80% of the market value of the deposited loan.
  • Attractive interest rates: HDFC offers competitive interest rates on its gold loans, making it an affordable option for borrowers.
  • Loan tenure: The loan tenure is flexible and you can choose to repay the loan in 3 months to 24 months. You can repay the loan in easy EMIs that will not put any strain on your monthly budget.
  • No prepayment charges: You can prepay your loan after 3 months at any time without having to pay any prepayment charges.
  • Low Processing Fee: HDFC charges a low processing fee of 1.5% of the loan amount + GST
  • Loan against gold jewellery: HDFC offers loans against both gold coins and jewellery, making it a convenient option for those who want to borrow against their gold holdings.
  • No income proof: There is no income proof is required for taking out a gold loan from HDFC Bank.
  • Convenient disbursal: HDFC Bank has a wide network of branches across India, making it easy to get your loan disbursed quickly and conveniently.

Applicants Eligibility Criteria

The eligibility criteria for availing of HDFC Gold Loan are as follows-

  • You should be an Indian resident.
  • You should be above the age of 18 years.
  • You should have a regular source of income.
  • The gold to be pledged should be in the form of jewellery or coins with a minimum purity of 18 karats.

Documents Required to Apply for an HDFC Gold Loan

When you apply for an HDFC gold loan, you’ll need to have the following documents on hand:

  • Identity Proof: Passport/Aadhaar Card/Voter ID card/Driving License
  • Address Proof: Passport/Aadhaar Card/Voter ID card/Driving License/Utility Bills
  • Income Proof: Salary slips for the last 3 months/Form 16 (If required)
  • Photographs 2 passport size photographs
  • Gold Purity Certificate- A

How to Apply for HDFC Gold Loan?

If you are looking to take out an HDFC Gold Loan, there are a few things that you will need to do in order to apply. Here is a step-by-step guide on how to apply for an HDFC Gold Loan:

  • The first thing that you will need to do is gather all of the required documents. These documents include your ID proof, address proof, and income proof.
  • Once you have all of the required documents, you will need to fill out an application form. This form can be found on the HDFC website or at your local HDFC branch.
  • Once you have filled out the application form, you will need to submit it along with all of the required documents.
  • After your application has been submitted, a representative from HDFC will contact you in order to schedule an appointment. During this appointment, they will assess the value of your gold and determine the loan amount that you are eligible for.
  • Once the assessment is complete, you will be given a loan agreement which outlines the terms and conditions of the loan. You will need to sign this agreement in order to finalize the loan.
  • Your loan will be disbursed within 24 hours and you can start using the funds immediately.

Advantages of HDFC Gold Loan

When it comes to taking out a loan, there are many things to consider. One important factor is the interest rate. HDFC Bank offers some of the most competitive interest rates in the industry. Another advantage of HDFC Bank is that they offer a gold loan. This can be a great option for those who need money but do not have good credit.

The interest rate on a gold loan is usually lower than other types of loans. HDFC Bank also offers other features that make its loans more attractive. These include flexible repayment options and no prepayment penalties.

Read Also – IDFC Bank Home Loan


Q. How does HDFC Gold Loan work?

Ans. To apply for an HDFC Gold Loan, you will need to submit your gold jewellery, coins or bars as collateral with HDFC. The loan amount will be based on the value of your gold, and you can use the money for any purpose. Once you have repaid the loan, you will get your gold back.

Q. How much loan can I get from HDFC against my gold?

Ans. The loan amount that you can avail from HDFC against your gold depends on various factors such as the purity of your gold, the current market value of gold, etc. Generally, you can get up to 80% of the value of your gold as a loan.

Q. How do I repay an HDFC Gold Loan?

Ans. You can repay your HDFC Gold Loan in EMIs. The repayment tenure can range from 3 months to 24 months. You can also choose to prepay your loan after 3 months at any time without any charges.

Q. What are the repayment options for HDFC gold loans?

Ans. HDFC offers two repayment options for its customers – monthly instalments and bullet payments. Under monthly instalments, you can repay your loan amount in easy EMIs over a period.


If you’re considering taking out an HDFC gold loan, be sure to familiarize yourself with the interest rate, eligibility requirements, and necessary documents. Applying for an HDFC gold loan is a simple process that can be done online or in person at a branch location. Be sure to compare offers from multiple lenders before making a decision so that you can get the best possible terms.

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Hey, I'm Ansar Ansari a professional blogger and web designer. I like to gain every type of knowledge that's why I have done many courses in different fields like banking, finance, and business. I love thrills and travelling to new places and hills.

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