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Things You Should Know Before Taking Gold Loan From HDFC Bank

HDFC Gold Loan

What is a HDFC Gold Loan

HDFC gold loan is a form of loan offered by HDFC Bank. It is a type of loan in which people can use their gold jewellery as security to obtain a loan from a bank. The amount of the loan is calculated using the value of the gold given. Before selecting how much money to lend, the bank assesses the purity and value of the gold. These loans provide various repayment choices, allowing borrowers to select a repayment schedule that works for them. When compared to other types of loans, the interest rates generally lower. HDFC Bank strives to process these loans swiftly, and once the gold's worth is determined, the loan amount is instantly disbursed. The loan can be repaid in monthly instalments, with the principal and interest paid simultaneously at the end. It's vital to note that if the borrower fails to return the loan, the bank has the authority to auction off the gold in order to recover the money. As a result, it is critical to borrow an amount that can be easily repaid within the specified time period.

Eligibility Criteria for HDFC Gold Loans

  • 1- You must be at least 18 years old to apply for a gold loan from HDFC Bank and you are eligible till the age of 65 years.
  • 2- You must own the gold that you want to give as security. This includes gold jewellery. In the form of gold between 18 to 24 Carats.
  • 3- Value of gold must be around 25000 in urban areas and 10000 in rural areas.
  • 4- You will be required to provide necessary identification and address proof documents as per the bank's requirements. It includes documents like PAN card, Aadhaar card, passport, voter ID, driving licence, utility bills, etc.

Instructions to Apply for an HDFC Gold Loan

There are two ways to apply for HDFC gold loan; offline and online.


  • 1- Firstly, you have to visit the nearest HDFC bank branch, carry required documents with yourself such as PAN card, Aadhaar card, passport, voter ID, driving licence, utility bills, etc.
  • 2- When you visit the bank branch, approach the representative at the loan section.They will direct you through all the process.
  • 3- Fill the Application Form and Complete the application form accurately and provide all the required details.
  • 4- The bank representative will assess the purity and value of the gold you are pledging.
  • 5- Once the application and documents are submitted, the bank will process your loan request. This includes verification of the documents provided, conducting credit checks, and finalising the loan terms.


  • 1- Firstly, you have to visit the official website of the HDFC bank, then visit to the loan section within the website.
  • 2- Then click on the "Apply Now" button to begin the application interaction.
  • 3- Fill the given application form, provide all the necessary details that are required and upload some necessary documents also.
  • 4- Once you have completed the process, submit the application form. After receiving your online application, a representative from HDFC Bank will get in touch with you to schedule a gold appraisal.
  • 5- Once the gold appraisal is completed and your application is approved, the loan processing and disbursal will take place

What are the Benefits of Taking an HDFC Gold Loan?

Quick Loan Processing: HDFC Bank tries to deliver gold loan processing which is quick and easy. When the value of the gold is determined, the loan approval and disbursement process is often faster than for other types of loans. This makes it a useful choice for people who need money right now.
Lower Interest Rates: In general, gold loans have lower interest rates. Because gold loans are secured by gold collateral, the bank views them as less hazardous. As a result, interest rates are competitive, making it a cost-effective borrowing alternative.
Asset Security: Throughout the loan term, HDFC Bank takes adequate steps to secure the pledged gold in approved vaults. This guarantees that your speculations are secure.
Tenure: HDFC gold loans have a variable payback period that ranges from Minimum 3 Months to 24 Months Borrowers can select a payback period that best suits their financial situation and convenience.

How Much Can You Borrow with an HDFC Gold Loan

You can borrow from Rs. 25, 000/ to 3.50 Crore. There is one condition that borrowing amount completely depends upon the weight and the quality of the gold. How much the jewellery weights amount is disbursed according to it.

For example: it may vary from the amount given below. must check before taking out a loan.
Gold loan per gram offer of HDFC Bank for 18 carat jewellery will be between Rs. 2,489 Rs. 2,872
HDFC Bank gold loan per gram offer for 20 carat jewellery will be between Rs. 2,766 to Rs. 3,510
Gold loan per gram in HDFC Bank offer for 22 carat jewellery will be between Rs. 3,042 to Rs. 3,510


HDFC gold loans are a handy and accessible type of financing provided by HDFC Bank. You can get a loan with lower interest rates and flexible repayment choices by using your gold jewellery or coins as security. HDFC Bank intends to approve these loans fast, making them appropriate for urgent financial requirements. The amount you can borrow is determined by the gold's worth and purity, with the bank analysing and deciding the loan based on the Loan-to-worth (LTV) ratio. You may satisfy your financial needs while keeping your gold holdings safe with a wide range of loan amounts available.

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