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HDFC Gold Loan

Fulfil your needs on your own with HDFC Bank Gold Loan which allows you to get funds in 45 minutes!The HDFC Bank Gold Loan is your definitive solution to meet your imperative financial needs. Whatever your reason may be, education, business expansion, personal requirement, medical crisis or any other specified end-use, our Loan against Gold is all you need.In volatile times and during a contingency you can take a Loan on Gold, for any use other than to purchase jewellery.Gold is a valuable asset, and with it comes surety and stability, so why not let it work for you? With minimal documentation and quick disbursal, a Gold Loan is a seamless solution. You can avail a Loan against Gold at any time. Our flexible tenure and repayment options ensure that your monthly outgoings are within your budget.Make the most of your idle gold with HDFC Bank's attractive gold loans. Get a loan in 45 minutes over the counter with minimal documentation and transparent charges.

HDFC Gold Loan Feature

Gold Loan Offering

Term Loan, OD and Bullet repayment available

Gold Loan Interest

HDFC Bank Gold Loan comes with competitive interest rates on Term Loan, Overdraft and EMI based loan. Repay your loan in easy lower EMIs, over a tenor of your choice.

Gold Loan Tenure

Gold Loans is 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)

* As per RBI guidelines, LTV (Loan to Value) ratio for Gold Loan is 75%.

* does not charge any fee for providing such services*
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Note: GST and other Government taxes, levies etc. applicable as per the prevailing rate will be charged over and above the Fees and ChargesAll 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 fundsNIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursalLoan at the sole discretion of HDFC Bank Ltd.*T&C- Loan Approval and ROI at the sole discretion of HDFC Bank Ltd
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HDFC Gold Loan Documentation

Requirements Submit any one of the following:
Passport (Not expired)
 Driving license (Not expired)
Voter's ID Card
 Aadhaar Card issued by UIDAI
PAN (Permanent Account Number) Card (along with any of above-mentioned documents) or Form 60
One Passport Size Photograph
Agri Allied Occupation Documentation ( in case of bullet repayment for agriculture customers)

Note: *Loan to be granted for agricultural/business/personal purposes only. Loan cannot be availed for the purchase of gold coins, jewels or jewellery, land or any speculative purposes. Loan approval is at sole discretion of HDFC Bank.
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Swiftloans Grievance Redressal Cell Grievance Redressal Cell (Banking Products)
Call Monday  to Saturday
+91-9289021614 9:30 AM to 6:30 PM
Customer can reach out to us to withdraw the consent Mail  us at:
Customer awareness does not charge any fee directly or indirectly to the customer for providing Gold Loan, in case you receive a call, SMS or any kind of communication from someone claiming to be a  representative and asking for any kind of fee/charge/money compensation in return of a loan, please alert us on:
Grievance Redressal Office Mr. Shubham Mishra
Softloan Grievances Redressal Cell Office Address 8th Floor, Tower A, Unitech Signature Tower, Sector 30, Gurgaon, Haryana 122001.

HDFC Bank Grievance Redressal Cell

Field Name


Product Feature

Fees, Charges & APR

HDFC Bank Customer Grievances Redressal Cell Contact Details

Call - 1800 266 4060 - Available Monday to Saturday 9:30 am to 5:30 pm

Nodal Officers

Sachet Portal

Complaint Management System (CMS) portal under the Reserve Bank-Integrated Ombudsman Scheme (RB-IOS)

Customer care

Privacy Policy of HDFC Bank

HDFC Bank Grievance Redressal Cell (Banking Products)
Call Monday  to Saturday
1800 266 4060 9:30 am to 5:30 pm
Grievance Redressal Office Mr. Mehernosh Dhamodiwala
HDFC Bank Customer Grievances Redressal Cell Office Address Grievance Redressal Cell, HDFC Bank Limited, 1st Floor, Empire Plaza - 1, Lal Bahadur Shastri Marg, Chandan Nagar, Vikroli West, Mumbai – 400083
This facility is not available on 2nd & 4th Saturdays, all Sundays and Bank Holidays.


What is a gold loan scheme?
As the name suggests this is the loan given against gold. It's a secured loan that enables borrowers to pledge their gold in lieu of a cash loan. It enables people to utilize their gold assets instead of storing them in lockers.
What is the eligibility criterion to qualify for a gold loan?
2 For a gold loan, applicants should be aged above 21 years and should have gold that needs to be mortgaged with the bank.
  • 1. Age - 21-65
  • 2. Document - Aadhar and pan card (Address proof must be between 50km)
What is the interest charge applicable on gold loan?
The interest rate on your gold loan varies from one lender to another. Please enter your details on our Gold Loan eligibility page and view gold loan offers offered by various banks and private institutions.
What is the maximum amount that can be sanctioned under the gold loan scheme?
The maximum loan amount loan varies from one lender to another. It can range between Rs. 1,5000 and Rs 1 Crore depending on the eligibility criteria of particular bank/Nbfc.
How long does it take to complete the gold loan approval process?
The loan approval process for gold loan is very fast. If your application meets all the requirements, it takes just 45Minutes for the loan amount to be disbursed.
What is the repayment tenure of a gold loan?
A gold loan can be repaid in as little as one day or as many as 36 part payment instalments, depending on your lender. regardless of whether the customer is Internal or External.
What are the additional fees that I will need to pay at the time of taking a loan?
A nominal processing fee is levied on your gold loan. The processing fee charged varies from one bank to another but generally does not exceed 1% of the loan amount.
Are there any foreclosure charges on a gold loan?
Loan foreclosure charges range from 1.18% (1% +18% gst)and are applicable on the outstanding amount of your gold loan.but, but if the customer closes his loan before 6 months, he is only obligated to pay the foreclosuer amount, whereas if the customer closes his loan after 6 months, there are no foreclosuer charges.
What is the penalty for delay in repayment of loan?
Banks usually levy an annual penalty between 1% and 2%. This is in addition to the rate of interest that you would be paying to service your loan.
Can I repay the loan partially?
A gold loan can be repaid partially at any point in time. However, your deposited gold will only be returned once the entire loan amount has been repaid.although, the customer repays the loan partially, which is especially advantageous for customer because customer is only obligated to pay the remaining amount of his interest amount of principal.
Is the gold pledged with banks safe?
Banks take a lot of precaution while storing your gold and keep it safe until the loan amount is returned. They understand the sentimental value attached to gold ornaments and act as custodians while the gold remains with them.


There's no botheration of paperwork and income proof. A great way to get what you wanted. Swift Loans staffs are very kind and helpful. They processed the requests very quickly. I am really thankful to them.

Saurabh Jain

Good customer handling by Swift loans. Interest rates and processing fees are also done at best in the market. Overall good experience. Thank you.

Akash Jain

I'm satisfied with the Swift loans services and they have done a proper follow up and pro-actively they are calling the customer and informing the loan details.

Vimal Singh

A year back I took the Swift Loan gold loan as back then their loan rates were quite competitive in comparison to that offered by other banks. I got the loan within almost 1 hour on the same day.

Manoj Verma

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