Invest Smartly With Hdfc Gold Loans

Have you ever thought about investing or planning to start investing? You're in the right place to begin! When we think of investment, the first thing that comes to mind is often GOLD. Investing in gold is one of the assets that will never depreciate. With HDFC GOLD loan service, getting a gold loan is now easier than ever - you can get one in the blink of an eye. With HDFC Gold Loan, you can bring in your gold ornaments or coins and quickly walk out with a loan. No documentation if you are an HDFC family member; minimal if you are not. Simple repayment options, flexible pricing, and tenures suited to your pocket bring several benefits to being an existing customer. Moreover, you can pre-close your loan without any foreclosure charges. Get instant liquidity with HDFC Gold Loan - the fastest and most convenient loan in town TERMS & CONDITIONS Apply!

HDFC Gold Loan: Per Gram Rate, Interest Rates, and How to Apply

HDFC Bank is one of India's leading private sector banks with a diversified range of financial services for customers. Among its various services, its gold loan facility against gold assets is extremely popular. This scheme is going to help a lot of people who are in dire need of funds, or those who would like to make good use of their idle gold assets in times of need.

HDFC Gold Loan Interest Rate 2024

Check the table below to understand the HDFC gold loan interest rates:

Product	Minimum Interest Rate	Maximum Interest Rate	Average Interest Rate
Gold Loan	8.50%	17.46%	11.62%

HDFC Gold Loan Rate Per Gram

Here is the table that shows the approximate gold loan rate per gram that HDFC Bank follows:

Gold Purity	30 Days Average Rate for 10 Gram Gold	Eligible Loan Amount HDFC Gold Loan/Gram	HDFC Lowest Gold Loan/Gram
18 Carat	₹38,294	₹2,872	₹2,489
20 Carat	₹42,548	₹3,510	₹2,766
22 Carat	₹46,803	₹3,510	₹3,042

Additional Charges

• CIBIL Charges: ₹50 per CIBIL report
• TOD Charges Against Overdraft Account: 18% p.a
• Loan Processing Charge (Processing Fee): Up to 1% of the disbursal amount (inclusive of applicable tax)
• Valuation Charge:
  • ₹250 + applicable tax up to ₹1.5 lakhs per packet per loan
  • ₹575 + applicable tax above ₹1.5 lakhs per packet per loan
• Premature Closure Charges (Full or Part Payment): 1% on the principal outstanding + applicable tax
• Renewal Charges: ₹350 + applicable tax

Gold Loan at the sole discretion of HDFC Bank limited. Loan disbursal is subject to documentation and verification as per Banks requirement.

How to Apply for HDFC Gold Loan

Steps to Follow for Offline Process:

• Visit a Branch:

  ✓ Bring your gold jewelry to the nearest HDFC Bank branch.

• Gold Valuation:

  ✓ Let us value your gold.

• Minimum Documentation:

  ✓ With minimum documentation, get your loan in less than 45 minutes.

Now, more people choose our HDFC Bank Gold Loan service because of our gigantic network and exceptional customer service. From personal expenses to business needs, and even emergency funding requirements—no one can beat HDFC Bank in providing a gold loan at convenience.