About HDFC Bank Gold Loan

Following are the key details you should know about HDFC Bank gold loan:

Loan amountRs. 10,000 - Rs. 1,00,00,000
Rate of interest8% - 16.50% p.a.
Tenure6 - 24 months 
Processing feeUp to 1% of the disbursed amount
Facility typesTerm Loan, OD and Bullet repayment 
Prepayment charges1% on principal outstanding + applicable tax

HDFC Bank Gold Loan Interest Rate

HDFC gold loan comes at competitive interest rates on Term Loan, Overdraft Loan and EMI-based Loan. You can repay your loan in easy low equated monthly instalments (EMIs), over a tenure of your choice ranging between 6 to 24 months.

Below are the details of the current HDFC Bank gold loan interest rate:

Product NameMinimum Rate of InterestMaximum Rate of Interest
HDFC Gold Loan8% p.a.16.50% p.a.

Also Check: Lowest Gold Loan Interest Rate

Compare HDFC Gold Loan to Other Lenders

Below is the comparison of the HDFC Bank gold loan with the gold loan schemes of other banks. You can compare the rates and other features below to check which is the best gold loan bank.

BankRate of Interest (p.a.)Loan AmountProcessing FeeTenure
HDFC Gold Loan8% - 16% Rs. 10,000 - Rs. 1 CroreUp to 1%6 - 24 months
Rupeek Gold Loan8.88% - 24%Rs. 20,000 - As paper requirement/eligibility0% - 1%180 - 365 days
Oro Money Gold Loan9.48% - 16.68%As paper requirement/eligibilityNILUp to 6 months
IndiaGold Gold Loan9% onwardsUp to Rs. 20 LakhsNIL61 days - 12 months
IIFL Finance Gold Loan11.88% - 27% Up to 75% of the gold’s market value Rs. 0 onwards, depending on scheme Up to 24 months
Muthoot Gold Loan9% - 26%Rs. 1,500 - Rs. 5 CroresUp to 1%1 - 12 months
Manappuram Gold Loan10.90% onwardsRs. 1,000 - Rs. 1.5 Crore
Rs. 101 - 365 days
SBI Gold Loan8.65% - 9.75%Rs. 20,000 - Rs. 50 Lakhs0.50% (minimum Rs. 500 & maximum Rs. 10,000) + applicable GST3 - 36 months
Union Bank Gold Loan9.75% - 9.90%Up to 50 Lakhs0.50% (maximum Rs. 1,000)Up to 12 months
Kotak Mahindra Bank Gold Loan8% - 17%Rs. 20,000 - Rs. 1.5 CroreUp to 2% + GST12 - 24 months

HDFC Bank Gold Loan Features & Benefits

Following are the key features offered on HDFC Bank gold loan:

  • Type of facility: This loan can be availed of as a Term Loan, Overdraft or Bullet Repayment scheme.
  • Purpose: The HDFC gold loan can be availed of for all financial needs, including personal requirements, education, business expansion, medical crisis or any other specified end-use.
  • Loan amount: You can get a loan amount starting at Rs. 25,000 (Rs. 10,000 in rural markets) against gold.
  • Tenure: HDFC loan against gold can be repaid in tenures starting from 6 months up to 24 months.
  • Rate of interest: The HDFC gold loan interest rate varies between 8% and 16% per annum.
  • Processing fee: The processing fee is up to 1% of the disbursal amount (including applicable taxes).
  • Fastest turnaround: The bank guarantees simple documentation and speedy disbursals.

Repayment: Repay only the interest on the HDFC gold loan every month or repay the interest and principal after 1 year in the bullet repayment method.

Fee & Charges

Apart from the applicable rate of interest, the following are the fees and charges associated with the HDFC Bank gold loan:

  • Loan processing fee: Up to 1% of the disbursal amount (inclusive of applicable tax).
  • Prepayment charges (full or part): 1% on principal outstanding + applicable tax.
  • Valuation charge: Rs. 250 + applicable tax up to Rs. 1.5 Lakhs per packet per loan and Rs. 575 + applicable tax for above Rs. 1.5 Lakhs per packet per loan.
  • Renewal charges: Rs. 350 + applicable tax.
  • Payment return charges: Rs. 200 + applicable tax.
  • Overdue interest after maturity: 2% incremental interest over the contractual interest rate.
  • Delayed instalment payment charges: 18% p.a. + applicable government taxes on overdue instalment amount.
  • TOD charges against Overdraft account: 18% p.a.
  • CIBIL charges: Rs. 50 per CIBIL report.
  • Stamp duty & other statutory charges: As per the laws of the state.
  • Legal & incidental charges: As per actual.
  • Auction charges: As per actual.


  • GST & other applicable government taxes, levies, etc. as per the prevailing rate will be charged over & above the above-mentioned fees and charges.
  • Foreclosure and prepayment charges will not be levied on all fixed-rate loans up to Rs. 50 Lakhs, availed by Micro & Small Enterprises, provided the same has been closed/part paid from own source of funds.
  • NIL processing fees for loans up to Rs. 5 Lakhs availed by Micro & Small Enterprises, if they submit Udyam Registration Certificate before the disbursal.

Documents Required for HDFC Gold Loan

Following documents required to gold loan with HDFC Bank: 

  • Any one of the following documents:
    • Valid and active Passport
    • Valid and active Driving License 
    • Voter’s ID Card
    • Aadhaar Card issued by UIDAI
  • PAN Card (along with any of the above-mentioned documents) or Form 60
  • 1 recent passport-size photograph
  • Agri Allied Occupation Documentation (for bullet repayment for agriculture customers).
  • Also note that, Credit score is not required to get a gold loan.

Gold Loan offers from India’s most
trusted banks


Get Gold Loan with No EMI Option from Rupeek

Rupeek Gold Loans are instant secured loans with no EMI option at interest rate starting at 9.69% p.a. You can avail of emergency loan ranging from Rs 15000 to Rs 1.5 crore against gold jewellery, coins & ornaments. With bullet repayment option you repay entire loan at the end of the tenure.

HDFC Bank Gold Loan FAQs

How to apply for HDFC gold loan?


You can apply for an HDFC gold loan through any of the following methods depending on your convenience:

Online: The HDFC gold loan can be availed of online through the bank’s website or its ChatBot called EVA: 

  • Through website:
    • Visit HDFC Bank’s website. 
    • On the right-hand side from the dropdown list, select “Loans” under the “What are you looking for” section. 
    • Then choose “Gold Loans” from the dropdown menu. 
    • Fill in the required personal and income details.
    • Click on the “Submit” button. 
    • HDFC Bank’s gold loan executives will get in touch with you for loan application.
  • Through ChatBot EVA: 
  • Visit HDFC Bank’s website and click on “Eva”, given at the bottom right of the page. 
  • Follow the instructions to apply for the HDFC Bank gold loan

Offline: Another convenient to get a gold loan from HDFC is by visiting the nearest HDFC Bank branch with your gold jewellery. The gold will be valued by the bank representatives and then the loan process will begin. You can avail of the loan within 45 minutes with minimal documentation.

What is the current HDFC gold loan rate?


The current HDFC gold loan rate today is 8% to 16.50% p.a.

Is a PAN card required to apply for a gold loan in HDFC Bank?


Yes, a PAN card is mandatory to apply for a gold loan in HDFC Bank.

Is a credit score mandatory to get a gold loan?


There is no minimum credit score requirement for a gold loan. This is a secured loan, so the security of your collateral (gold) and its purity are more important in obtaining speedy approval. A gold loan is helpful for people who need instant funds but have poor credit scores.

What is the minimum and maximum age to get gold loan in HDFC Bank?


To be eligible for an HDFC gold loan, you should be age between 18 to 65 years. 

What is the repayment tenure for this loan?


The HDFC Bank gold loan can be repaid within 6 to 24 months of tenure.