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HDFC Gold Loan

Last Updated 23rd Jun 2017

HDFC Bank Gold Loans

Rate of Interest 11.00% - 13.00%
Loan Amount Between Rs. 50,000 to Rs. 5,000,000
Lowest EMI per lakh Rs. 2,585 per lakh
Maximum Loan Tenure From 6 months to 48 months
Age Between 21 years to 65 years
Processing Fee Nil
Apply Gold Loan @ 9.50%*
Rs.
Rs.
+91

HDFC Gold Loan Details

HDFC Gold Loan Document List

Documents Salaried Self Employed
Identity Proof Passport/ Driving License/ Voter ID/ PAN Passport/ Driving License/ Voter ID/ PAN
Address Proof Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport

HDFC Gold Loan Apply

HDFC Bank gives the facility of gold loan to the people who want money to meet their urgent requirements. There are some features and benefits of taking gold loan from HDFC Bank:

  • Maximum loan amount limited to Rs. 5,000,000
  • Nil Processing Fee and Foreclosure charges in specific cases
  • Lower Interest Rates for Preferred, Imperia & Classic and Women customers

Gold Loan HDFC Bank

Popular Products:

  • Sampoorna Bharosa Gold Loan
HDFC Gold Loan Calculator

Interest Rate Calculator – This helps you in identifying the interest rate charged on applied HDFC loan amount for effective tenure.

Interest rate on HDFC Bank gold loan depends upon

  • Loan Amount – Higher the loan amount, lesser will be the interest rate

Eligibility Calculator – Eligibility calculator calculates your gold loan eligibility depending upon the weight and purity of gold. Apply for only that much loan amount, what you are eligible for. You can calculate your gold loan eligibility online and based on that apply for loan. Eligibility depends on:

  • Quantity and quality of gold pledged – Gold ornaments purity should range from 18 to 24 karats. To get gold loan from HDFC Bank, both hallmarked and non hallmarked jewelry are acceptable.
  • Purpose of loan – HDFC gives gold loan for business, personal and agricultural purposes. Gold loan of HDFC Bank should not be used for investment in stocks or purchase of gold coins, jewelry or land.
  • Rate of gold per gram – HDFC Bank calculates the value of your gold based on 22 carat gold price. HDFC Bank takes 30 days average of 22 carat gold price.
  • Form of gold assured – HDFC Bank gives gold loan against ornaments with 18 carat purity and special minted coins weights up to 50 grams.

There are various methods of calculating eligibility

  • Valuation of Gold – HDFC calculates value of your gold on the basis of gold karatage, price and weight of gold. HDFC gives only 75% of gold ornament value as gold loan.

EMI Calculator – Gold Loan EMI calculator helps you in calculating your monthly EMI based on the loan amount, interest rate and tenure you have applied for.

  • Loan amount – You should apply for only eligible loan amount from HDFC Bank ranges from Rs. 50,000 to Rs. 5,000,000. Gold loan EMI will be high based on your loan amount.
  • Loan Tenure – High tenure of gold loan leads to low amount of EMI.
  • Interest Rate – HDFC gold loan EMI will be low if your rate of interest is less.

Preclosure

Gold Loan Preclosure of HDFC Bank

These charges are to be paid in case you want to repay your entire loan amount before the end of tenure period. HDFC Bank allows prepayment of gold loan at Option from Nil to upto 1%.

FAQs on Gold Loan from HDFC

How much fee is charged by HDFC Bank for gold loan?

Processing fee charged on HDFC Bank gold loan is Nil with applicable service tax.

What if I missed my gold loan EMI in HDFC Bank?

HDFC Bank charges a penal interest of 2.00% per month if you miss an EMI.

Can I check my loan account statement online?

You can login into your HDFC Bank online net banking account to get your loan details, track your loan history and make the payment online.

Easy comparison of HDFC home loan with other banks

HDFC Bank Customer Care Number, Email, Application Status, Branches

City Customer Care Number
Agra 993-590-3333, loansupport [at] hdfcbank [dot] com
Ahmedabad 079-61606161, loansupport [at] hdfcbank [dot] com
Ambala 999-624-3333, loansupport [at] hdfcbank [dot] com
Anand 079-61606161, loansupport [at] hdfcbank [dot] com
Aurangabad 022-61606161, loansupport [at] hdfcbank [dot] com
Bangalore 080-61606161, loansupport [at] hdfcbank [dot] com
Bhilai 1860-266-6161, loansupport [at] hdfcbank [dot] com
Bhilwara 987-500-3333, loansupport [at] hdfcbank [dot] com
Bhiwadi 022-61606161, loansupport [at] hdfcbank [dot] com
Bhopal 0731-6160616, loansupport [at] hdfcbank [dot] com
Bhubaneswar Cuttack 993-790-3333, loansupport [at] hdfcbank [dot] com
Bikaner 987-500-3333, loansupport [at] hdfcbank [dot] com
Chandigarh 0172-6160616, loansupport [at] hdfcbank [dot] com
Chennai 044-61606161, loansupport [at] hdfcbank [dot] com
Cochin 0484-6160616, loansupport [at] hdfcbank [dot] com
Coimbatore 044-61606161, loansupport [at] hdfcbank [dot] com
Dehradun 993-590-3333, loansupport [at] hdfcbank [dot] com
Delhi 011-61606161, loansupport [at] hdfcbank [dot] com
Durg 1860-266-6161, loansupport [at] hdfcbank [dot] com
Faridabad 011-61606161, loansupport [at] hdfcbank [dot] com
Gandhinagar 079-61606161, loansupport [at] hdfcbank [dot] com
Ghaziabad 011-61606161, loansupport [at] hdfcbank [dot] com
Goa 989-060-3333, loansupport [at] hdfcbank [dot] com
Greater Noida 011-61606161, loansupport [at] hdfcbank [dot] com
Gurgaon 011-61606161, loansupport [at] hdfcbank [dot] com
Guwahati 995-719-3333, loansupport [at] hdfcbank [dot] com
Gwalior 0731-6160616, loansupport [at] hdfcbank [dot] com
Hyderabad 040-61606161, loansupport [at] hdfcbank [dot] com
Indore 0731-6160616, loansupport [at] hdfcbank [dot] com
Jabalpur 0731-6160616, loansupport [at] hdfcbank [dot] com
Jaipur 0141-6160616, loansupport [at] hdfcbank [dot] com
Jalandhar 981-533-1111, loansupport [at] hdfcbank [dot] com
Jodhpur 987-500-3333, loansupport [at] hdfcbank [dot] com
Kanpur 993-590-3333, loansupport [at] hdfcbank [dot] com
Karnal 999-624-3333, loansupport [at] hdfcbank [dot] com
Kolhapur 989-060-3333, loansupport [at] hdfcbank [dot] com
Kolkata 033-61606161, loansupport [at] hdfcbank [dot] com
Kota 987-500-3333, loansupport [at] hdfcbank [dot] com
Kozhikode 989-566-3333, loansupport [at] hdfcbank [dot] com
Lucknow 0522-6160616, loansupport [at] hdfcbank [dot] com
Ludhiana 981-533-1111, loansupport [at] hdfcbank [dot] com
Madurai 984-067-3333, loansupport [at] hdfcbank [dot] com
Meerut 993-590-3333, loansupport [at] hdfcbank [dot] com
Mehsana 079-61606161, loansupport [at] hdfcbank [dot] com
Mohali Sas Nagar 981-533-1111, loansupport [at] hdfcbank [dot] com
Mumbai 022-61606161, loansupport [at] hdfcbank [dot] com
Mussoorie 993-590-3333, loansupport [at] hdfcbank [dot] com
Nagpur 989-060-3333, loansupport [at] hdfcbank [dot] com
Nashik 989-060-3333, loansupport [at] hdfcbank [dot] com
Noida 011-61606161, loansupport [at] hdfcbank [dot] com
Noida Extn 011-61606161, loansupport [at] hdfcbank [dot] com
Panipat 999-624-3333, loansupport [at] hdfcbank [dot] com
Patna 1860-266-6161, loansupport [at] hdfcbank [dot] com
Pondicherry 984-067-3333, loansupport [at] hdfcbank [dot] com
Pune 022-61606161, loansupport [at] hdfcbank [dot] com
Raipur 1860-266-6161, loansupport [at] hdfcbank [dot] com
Rajkot 079-61606161, loansupport [at] hdfcbank [dot] com
Ranchi 1860-266-6161, loansupport [at] hdfcbank [dot] com
Rohtak 999-624-3333, loansupport [at] hdfcbank [dot] com
Roorkee 993-590-3333, loansupport [at] hdfcbank [dot] com
Salem 984-067-3333, loansupport [at] hdfcbank [dot] com
Shimla 999-624-3333, loansupport [at] hdfcbank [dot] com
Sonepat 999-624-3333, loansupport [at] hdfcbank [dot] com
Surat 079-61606161, loansupport [at] hdfcbank [dot] com
Trichy 984-067-3333, loansupport [at] hdfcbank [dot] com
Udaipur 987-500-3333, loansupport [at] hdfcbank [dot] com
Vadodara 079-61606161, loansupport [at] hdfcbank [dot] com
Varanasi 993-590-3333, loansupport [at] hdfcbank [dot] com
Vijaywada 994-949-3333, loansupport [at] hdfcbank [dot] com
Vizag 994-949-3333, loansupport [at] hdfcbank [dot] com
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*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. MyLoanCare is an independent professional service provider and is not related to the government or government bodies or any regulator or any credit information bureau in any way. Information carried at this website is not and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not undertake any liability with respect to the correctness of the content, information and calculations. Information is subject to change without notice. By submitting your query or using any tools or calculators, you authorize MyLoanCare to share your information with lender(s), consent for such lender(s) to access your credit information report and contact you regarding your query overriding your number being in National Do Not Call Registry. This is a free service and no charges are payable by the borrower to MyLoanCare. The Company may receive remuneration from lenders for services provided to them.