https://www.hdfcbank.com/personal/borrow/loan-against-assets/gold-loan
Enjoy super quick disbursals
Just pay interest for the amount utilised
Triple-layer security for your gold
Gold Loan Offering
Term Loans, OD and Bullet repayment are available
Gold Loan Interest
HDFC Bank Gold Loan comes with competitive interest rates on Term Loan, Overdraft and EMI-based loans. Repay your loan in easy lower EMIs, over a tenor of your choice.
Gold Loan Tenure
Gold Loans are available for tenures starting from 3 months up to 24 months.
Gold Loan Repayment
Repay only the interest on the loan every month
Enjoy monthly outflow as low as ₹ 1,000 per lakh (based on an indicative rate of 12% pa)
Repay the interest and principal after 1 year in case of bullet repayment
Gold Loan Processing
Fastest Turnaround
Enjoy simple documentation and speedy disbursals
Pay no hidden charges and experience a completely transparent process
Gold Loan Amount
Get loans starting at ₹ 25,000 (Minimum loan amount of ₹ 10000/- available in rural markets)
| Charges | Current Charges |
|---|---|
| Loan processing charge (processing fee) | Upto 1% of disbursal amount(Inclusive of applicable Tax) |
| Rs 575 +applicable tax above 1.5 lacs per packet per loan | |
| Premature closure charges (Full or Part payment) | 1% on principal outstanding + applicable tax |
| Renewal Charges | Rs 350 + applicable tax |
| Overdue Interest post maturity | 2% incremental interest over contractual Rate of Interest from the date of maturity till loan account is closed. |
| Payment Return Charges | Rs. 200 + applicable tax |
| TOD Charges against Overdraft account | 18% p.a |
| Stamp Duty and Other statutory Charges | As per actuals which are applicable in laws of the state. |
| Legal and Incidental charges. | As per actual |
| Auction Charges | As per Actual |
| Product Group | Bank IRR | ||
|---|---|---|---|
| Min | Max | Avg | |
| GOLD LOAN | 8.50% | 17.30% | 11.64% |
| Product Group | Bank APR | ||
|---|---|---|---|
| Min | Max | Avg | |
| GOLD LOAN | 8.50% | 17.30% | 11.64% |
Note: GST and other Government taxes, levies etc. applicable as per the prevailing rate will be charged over and above the Fees and Charges
All fixed-rate loans up to Rs 50 lacs, availed by Micro and Small Enterprises, will not be charged with foreclosure and Prepayment charges provided the same has been closed/part paid from own source of funds
NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursal
Loan at the sole discretion of HDFC Bank Ltd.