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HDFC Gold Loan Eligibility Calculator

HDFC Gold Loan Per Gram

Last Updated 07th Oct 2021
Eligibility Criteria HDFC Gold Loan Eligibility
HDFC Gold Loan per gram ₹ 2,461 to ₹ 3,008 depending on the purity of gold
Age of Borrower 21 - 65 years
Maximum Loan Amount ₹ 10 Lakh
  • HDFC Bank calculates the amount of gold loan you are eligible for based on the amount of gold you have, the value and the gold’s purity.
  • HDFC offers a maximum LTV of up to 75% of gold’s market value.
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HDFC Gold Loan Eligibility

HDFC gold loan per gram gives you an estimate of the loan amount you can get against your gold jewellery. You will get the loan based on the purity and gold price of your jewellery adjusted for a loan to value ratio. HDFC Bank gold loan per gram eligibility depends upon the purity of the gold, your age and gold quantity.

As per the latest gold prices, HDFC Bank offers a gold loan per gram of ₹ 2,461 to ₹ 3,008. Highest HDFC Bank gold loan rate per gram today is ₹ 3,008 for 22 carat jewellery calculated at a maximum LTV of 75% and the average gold loan prices of last 30 days in 2021 is ₹ 4,457 of 22 carat.

Gold Loan Calculator HDFC Bank

You can calculate the eligibility for gold loan using an online HDFC Gold Loan Calculator. The calculator determines HDFC Gold Loan Per Gram Eligibility based on factors mentioned below:

  • Purity and net weight of gold used in jewellery: HDFC Bank uses their in-house valuer to assess the purity and net weight of gold of your jewellery. Gold used in the jewellery should be of purity of 18 to 24 carats. HDFC Bank can also reduce the weight of gems and stones from the jewellery to calculate the net weight of jewellery.
  • Price of gold: Once the valuer estimates the purity and net weight of gold in your jewellery, HDFC Bank will multiply it with the past 30 days average price of 22 carat gold to calculate the value of gold. So, if the gold is of 20 carat purity, HDFC Bank will apply the 30 days average of 22 carat gold multiplied by a factor of 20/22 to adjust the value of gold. You can also check today's gold rate in your city at MyLoanCare.
  • Loan to Value Ratio: Once the value of jewellery is calculated, HDFC Bank will apply an LTV of up to 75% to calculate your jewel loan amount eligibility. If you are willing to take a loan amount lower than your maximum LTV, HDFC Bank may offer you a lower interest rate.

How to Check HDFC Gold Loan Eligibility?

To check HDFC gold loan, eligibility you can fill the gold loan eligibility calculator form with all details at MyLoanCare. You can also check HDFC Bank gold loan eligibility on HDFC Bank's website by following the steps as mentioned below:

  • Go to the HDFC Bank website.
  • Now go to HDFC Bank gold loan.
  • Use gold loan eligibility calculator HDFC Bank to check the loan you can get based on your gold.
  • Fill in the required details like loan amount required, the weight of gold, age etc.

Also, you can contact the bank by calling on their customer care number.

HDFC Gold Loan Rate Per Gram by Gold Purity

HDFC Bank gold loan eligibility is dependent on the purity of gold jewellery that you have. The following table gives an approximate estimate of the gold loan per gram HDFC Bank will offer against gold jewellery of different purity levels at a maximum LTV of 75% and lower LTV of 65%.

Gold Purity Gold rate per gram- average of past 30 days HDFC Bank best Gold Loan per gram HDFC Bank lowest Gold Loan per gram
22 carat₹ 44,565₹ 3,008₹ 2,607
20 carat₹ 40,514₹ 3,008₹ 2,370
18 carat₹ 36,463₹ 2,461₹ 2,133

The above table shows how HDFC Bank will calculate your per gram gold loan for gold of varying purity.

  • Gold loan per gram in HDFC Bank offer for 22 carat jewellery will be between ₹ 2,607 to ₹ 3,008
  • HDFC Bank gold loan per gram 2021 offer for 20 carat jewellery will be between ₹ 2,370 to ₹ 3,008
  • Gold loan per gram rate of HDFC Bank for 18 carat jewellery will be between ₹ 2,133 to ₹ 2,461

Tips to Get Best Gold Loan Amount Per Gram from HDFC Bank

  • HDFC Bank accepts both hallmarked and non-hallmarked jewellery for getting a gold loan. However, you can get the highest gold loan per gram for hallmark jewelry. Also, some banks charge lower processing fees on hallmarked gold jewellery.
  • HDFC Bank adjusts the price of 22-carat gold for purity of gold. Hence, always try to borrow against higher purity jewellery as it will fetch you the highest amount for gold loan.
  • Always try to choose jewellery that has minimum gems and stones. Most of the banks will reduce the weight of gems and stones from the total weight of the jewellery. HDFC Bank will rely on the report of his gold valuer to calculate the net weight.
  • HDFC Bank will not accept diamond jewellery if the gold used is of less than 18 carat purity. Most of the diamond jewellery is made in 16 carat to 18 carat gold and hence, will result in a very low gold loan per gram.
  • Always try to get the maximum LTV on the value of gold. HDFC Bank is allowed by RBI to charge a maximum LTV of up to 75% to calculate the amount of gold loan you are eligible for.

How can I get a gold loan from HDFC Bank?

You can get a gold loan from HDFC Bank either online or offline, depending upon your convenience. For the online process, you can visit the official website of HDFC Bank and apply for a gold loan. In addition to that, you can give a missed call to HDFC Bank at their customer care number 1800-258-3838. For the offline process, you can visit the nearest HDFC Bank branch and fill up the HDFC Bank gold loan application form. You can also apply for a HDFC Bank gold loan at online marketplaces like MyLoanCare, where you can compare HDFC Bank gold loan offer with other top lenders and choose the best option for you.


What is the age limit required for gold loan from HDFC Bank?

The minimum age should be 21 years and the maximum age should be up to 65 years. Based on your age, HDFC Bank decides upon your gold loan tenure that can range up to 24 months .

What is the eligibility for HDFC gold loan?

To avail a HDFC gold loan, you must be a citizen of India between 21 years to 65 years of age. You should also have gold jewellery which has purity above 18 carat. HDFC gold loans are easy to avail of as you can avail of these loans, even without a good CIBIL score.

What is the maximum loan amount that I can avail on gold loan from HDFC Bank?

The maximum loan that you can avail of from HDFC Bank is 75% of the market value of the gold depending on the quality of the gold. However, ensure that the gold fits the purity mark of minimum 18 carats of gold and is hallmarked. Before availing of a gold loan from HDFC Bank, ensure checking the current gold rate per gram to get a good sum on your gold.

What is the loan tenure of HDFC gold loan?

HDFC gives gold loans to the applicants for a maximum tenure of 24 months. So, the borrower should be sure about the repayment capacity of the loan. To plan your gold loan prepayments within this tenure, you can use HDFC gold loan EMI calculator.

What kind of gold items are accepted and rejected as security?

Gold ornaments with carats in the range of 18 to 24 and weight of more than 50 grams are accepted by HDFC Bank. However, HDFC Bank does not allow you to borrow against gold bars, exchange-traded funds and ladies mangal sutra.

Do I need a co-applicant to get a gold loan from HDFC Bank?

No, you do not need a co-applicant to get a gold loan from HDFC Bank. To get a gold loan, you only need to have gold jewellery. Value of your gold, purity marks and age are key requirements to avail of a gold loan from HDFC Bank. Thus, you can get a gold loan easily without a co-applicant, when you own the gold.

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