Gold loan are the quickest way to get funds for personal or business requirements. The funds from gold loans can be used for weddings, education, business expansion or any other similar purpose. With minimal documentation and secure storage, our gold loan are a simple funding option to meet your needs.

Apply for gold loan at HDFC Bank and enjoy quick disbursal of funds.

HDFC Bank Gold Loan is a safe and simple way for you make the gold in your locker work for you. Use it to fulfil an immediate needs for funds and enjoy competitive rates.

✔ Minimal Documentation
✔ Disbusral in 45 Minutes
✔ Secure
✔ Flexible rate of interest

Gold Loan Features
Making your assets work for you is one of several benefits of gold loans.

Our gold loan features include loan amounts of `50,000 and higher, available at low interest rates.

Hassle-free processing is one of the key features of our gold loans. There are no hidden charges and we ensure safe storage of the collateral for the gold loan. There are several additional gold loan benefits that we offer, such as instant disbursal of funds

Loan amount from Rs 50,000 onwards
Minimum of Rs 50,000/- onwards. Gold Loans for less than Rs 50000/- also available for rural markets.
Instant funds
Get funds instantly against your gold, and repay at your own convenience
Low Interest Rates
HDFC Bank Gold Loan comes with competitive interest rates on Term Loan, Overdraft and EMI based loan. Repay your loan in easy lower EMIs, over a tenor of your choice.
Collateral Held Securely
Any gold surrendered to us as collateral is kept safely in our locker, so you don't have to worry about the safety or security of your gold.
Quick and Efficient Servicing
Over the counter disbursement in just 45 minutes* with minimal documentation
Complete Transparency
All our loan rates and charges are communicated up front in writing, along with the quotation, so you don't have to worry about any hidden costs or fees.

Gold Loan Documentation

Here is the list of the required documents for gold loans.

The following documents are required along with your Gold Loan application:
Passport (not expired)
Diving License (not expired)
Voter's ID Card
Aadhaar Card issued by UIDAI
PAN (Permanent Account Number) Card (along with any of the above documents)

Kindly Note: The loan is granted for agricultural/business/personal purposes. The loan amount cannot be used for the purchase of gold coins, jewels, land or other speculative purposes. Credit provided is at the absolute discretion of HDFC Bank.

Gold Loan Rates & Fees

We offer attractive interest rates on gold loans. Know more about about gold loan interest rates and gold loan fees and charges in the section below.

Here is an exhaustive list of all the fees and charges to be paid for the loan:

Fees	Amount to be paid
Loan Processing Charges	1%
Valuation Fee	Rs 250 for loan upto Rs 1.5 lacs and Rs 500 for loan over and above Rs 1.5 lacs
Foreclosure charges	1% Foreclosure charges if closed within 6 months
Charges for late payment of loan amount	2% p.a. as penal interest over and above applicable rate of interest.
Stamp Duty & other statutory charges	As per Applicable laws of the State
Renewal Processing Fees	Upto Rs 350 + Tax
Prepayment/Partpayment charges	Upto 1%