HDFC Gold Loan – Interest Rate, Features and EMI Option

A Gold Loan is a secured loan wherein the borrower keeps their gold, ranging from 18k to 24k with a bank or a financial institution as security and avails capital against it. India is one of the largest consumers of Gold in the world. We can pay it through pay monthly installment after which we get our gold articles back. Unlike other secured loans such as home loans or car loans, there are no restrictions on the end-use of gold loans. So whether we need to fund a wedding, family vacation, or our child’s education, it is a great way to meet your needs on your own with an HDFC BANK Gold loan, which allows us to get funds in 45minutes.

Gold is a valuable asset and with it comes surety & stability, so why not let it work for you, with minimal documentation; a Gold loan is a seamless solution. You can jewelry can help you fulfill your business needs on your own when you need funds instantly when you need funds in an emergency.

AGE OF THE APPLICANT to be eligible for a gold loan, you should be in the age group 18 to 65years.

GOLD LOAN OFFERING term loan, OD, & Bullet repayment available

Complete Detail of HDFC GOLD LOAN

Interest rate                           8.50% to 15.97% p.a

Loan amount                         RS.25k

Loan tenure                           UP to 2years

Processing fee                       1 of the loan amount


HDFC Gold Loan

HDFC GOLD LOAN comes with a competitive interest rate on term loans, overdrafts, & EMIs over a tenor.


It is available for tenures starting from 3 months up to 24months


.Valid GOVT-approved ID proof (pan card, passport, etc.)

.Address proof – (electricity bill, addhar card, ration card, etc.)


Fee/charges type                                       fee charge amount

.processing fee                                            1% of the loan amount

.prepayment /foreclosure charges          1% plus applicable taxes

.Valuation fee                                                Max.RS 575 for loans over RS.1.5 lakh

                                                                        Min.RS.250 for loans up to RS. 1.5 lakh



.Visit the SBI official website

.navigate to the section on gold loan

.choose your preferred loan option.

.click on apply now.

Register yourself by filling in all your information.

Finally, apply for a loan.


.Go to your nearest branch with all documents.

.fill thought e application form and submit it so that you can obtain it there.

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