HDFC Bank Gold Loan
India's largest private bank's gold loan — starting from 11.91%* p.a. (profile-based), up to 75% LTV, Term Loan / Overdraft / Bullet across 6–42 months, IBJA-based valuation, and funds over the counter in ~45 minutes.
HDFC Bank's gold loan interest rate starts from 11.91%* p.a. (Terms & Conditions apply; profile-based, not benchmark-linked). Loans start at ₹25,000 against gold jewellery (commonly 18K–24K) valued at IBJA's 30-working-day average price, at up to 75% LTV. Choose Term Loan (EMI / interest-only), Overdraft, or Bullet repayment over 6–42 months. Funds are available over the counter at any branch in ~45 minutes. Foreclosure is 1% + GST within 6 months and NIL after 6 months (NIL on MSE loans ≤ ₹50 Lakh). Eligible: Indian residents aged 18–75.
Data source: HDFC Bank official website · Reviewed 2026-07-30 · Indicative only.
💰 Maximum Loan Per Gram Today
At 75% LTV (RBI cap) · Live indicative gold rate
Loan amount = (today's gold rate per gram × 75%) · Indicative only. Final amount depends on branch appraisal of purity and net weight.
🧮 Check Your HDFC Bank Gold Loan Eligibility
Enter your gold weight to estimate the maximum loan amount, monthly interest, and EMI at HDFC Bank's indicative rate of 11.91% p.a.
Estimate based on indicative gold rate and HDFC Bank's published rate of 11.91% p.a. Actual disbursal depends on branch-level gold appraisal, net weight (after deducting stones/wax), and KYC.
📋 HDFC Bank Gold Loan — Quick Facts
📑 HDFC Bank Gold Loan Schemes Compared
Side-by-side comparison of all 3 gold loan variants from HDFC Bank. Choose the scheme that matches your repayment preference.
| Scheme | Interest Rate | Tenure | Repayment | LTV | Processing Fee | Best For |
|---|---|---|---|---|---|---|
| HDFC Gold Loan — Term Loan (EMI) | Starting from 11.91%* p.a. (profile-based) | 6 – 42 months | EMI — fixed monthly principal + interest (or interest-only monthly) | Up to 75% (25% margin; per-profile) | Processing-fee offer on Term Loans (verify current offer) | Salaried & self-employed borrowers who prefer predictable monthly outflow |
| HDFC Gold Loan — Overdraft (OD) | Starting from 11.91%* p.a. (profile-based) | 12 months, renewable annually | Overdraft — interest only on the utilized amount | Up to 75% (25% margin; per-profile) | As applicable (verify) | Business owners & professionals needing flexible, revolving working capital |
| HDFC Gold Loan — Bullet Repayment | Starting from 11.91%* p.a. (profile-based) | Bullet: interest + principal repaid after 1 year | Bullet — repay interest and principal after 1 year | Up to 75% (25% margin; per-profile) | As applicable (verify) | Short-term needs funded by a lump-sum inflow; agri-allied borrowers (with occupation documentation) |
All rates and fees are indicative and sourced from HDFC Bank's official website. Verify current charges at your branch before applying.
🌾 RBI-Compliant IBJA Valuation & MSE Foreclosure Benefit
HDFC Bank's gold loan stands out for its transparent, RBI-norms valuation using IBJA's 30-working-day average price, and a dedicated NIL-foreclosure benefit for Micro & Small Enterprise (MSE) loans up to ₹50 Lakh. Funds are available over the counter in ~45 minutes — among the fastest in the market.
IBJA-Based Transparent Valuation
Net pure-gold weight (after deducting stones, lac, solder etc.) valued at IBJA's 30-working-day average reference price. Standard assaying for purity.
NIL Foreclosure on MSE Loans ≤ ₹50 Lakh
Micro & Small Enterprise borrowers pay no foreclosure charges on gold loans up to ₹50 Lakh. Other loans: 1% + GST if closed within 6 months, nil after.
Over-the-Counter in ~45 Minutes
Funds disbursed over the counter at any HDFC Bank branch in about 45 minutes after valuation & documentation — ideal for emergencies.
✅ Eligibility — Who Can Apply
- ✓Indian residents aged between 18 and 75 years
- ✓Businessmen, traders, farmers, salaried or self-employed individuals
- ✓Must own pledgeable gold jewellery / ornaments of acceptable purity (commonly 18K – 24K)
- ✓MSE (Micro & Small Enterprises) borrowers — eligible for NIL foreclosure on loans up to ₹50 Lakh
- ✓Basic KYC compliance required; gold is evaluated by HDFC Bank's approved valuer
📄 Documents Required
🪜 How to Apply for a HDFC Bank Gold Loan
Follow these 6 steps to get your gold loan disbursed. The entire process is typically completed the same day.
💸 Fees & Charges Breakdown
| Charge | Amount |
|---|---|
| Interest rate (headline) | Starting from 11.91%* p.a. (profile-based; T&C apply) |
| Indicative monthly outflow | ~₹1,000 per ₹1 Lakh (based on an indicative rate of 12% p.a., interest-only) |
| Processing fee | Processing-fee offer available on Term Loans; otherwise as applicable |
| Processing fee (Micro & Small Enterprises) | Offer / concessional terms available |
| Foreclosure / prepayment (closed within 6 months) | 1% + GST |
| Foreclosure / prepayment (closed after 6 months) | Nil |
| Foreclosure (MSE loans up to ₹50 Lakh) | Nil |
| Loan amount | Starting at ₹25,000 |
| Turnaround time | Funds over the counter in ~45 minutes at branch |
| Gold insurance during tenure | Pledged gold stored securely in the bank's vaults |
⚖️ Pros & Cons of a HDFC Bank Gold Loan
An honest look at where HDFC Bank shines — and where other lenders might suit you better.
- +India's largest private-sector bank with a vast branch network and strong digital infrastructure (NetBanking, mobile app)
- +Three flexible repayment options — Term Loan (EMI / interest-only), Overdraft, and Bullet — across 6–42 month tenures
- +Fastest turnaround — funds over the counter at any HDFC Bank branch in ~45 minutes
- +NIL foreclosure on MSE loans up to ₹50 Lakh; processing-fee offer on Term Loans
- +Wide eligibility — Indian residents aged 18–75, including businessmen, traders, farmers, salaried & self-employed
- +RBI-compliant, transparent IBJA-based gold valuation (30-working-day average price)
- +Indicative monthly outflow as low as ₹1,000 per ₹1 Lakh (interest-only servicing)
- +Secure vault storage of pledged gold during the loan tenure
- –Headline rate of 11.91%* p.a. is significantly higher than public-sector banks (e.g. IOB from 7%, BoB 9.20%, Indian Bank ~8.50%) — HDFC is costlier for borrowers who qualify for PSU rates
- –Foreclosure charge of 1% + GST applies if closed within 6 months (only NIL after 6 months) — unlike most PSU banks which charge nil throughout
- –Rate is profile-based and not benchmark-linked (RLLR/MCLR), so it is less transparent than PSU gold loan rates
- –Minimum loan amount is ₹25,000 — no smaller-ticket option
- –Best/lowest rates are typically reserved for strong credit profiles; new-to-bank borrowers may get the higher end of the range