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How to Apply for HDFC Bank Gold Loan Online

Posted on: 15/Oct/2025 10:52:01 AM

Fulfil your financial needs quickly and conveniently with the HDFC Bank Gold Loan. This loan allows you to unlock the value of your gold jewellery to meet short-term financial requirements such as education, business expansion, medical emergencies, home upgrades, or personal needs. With minimal documentation, fast disbursal, and flexible repayment options, HDFC Bank makes getting a Gold Loan easy and secure.

Key Features:

- Loan available up to 85% of gold value

- Quick disbursal within 45 minutes

- Overdraft facility available

- Flexible repayment tenures from 6 to 42 months

- Attractive interest rates and festive offers

- No hidden charges and transparent process

- Triple-layer security for your gold

Purpose:

A Gold Loan from HDFC Bank can be used for any legitimate financial requirement such as education, home renovation, medical expenses, travel, or business expansion. The loan cannot be used for capital market investments or to purchase gold or jewellery.

Eligibility:

- Any Indian resident aged between 18 and 75 years

- Individuals owning gold jewellery or ornaments

Gold Loan Amount:

- Minimum ₹10,000 (in rural markets)

- Maximum loan amount based on gold value

Interest Rates:

- Competitive interest rates ranging between 9.30% and 17.86% (average 11.91%)

- Special festive offer: 1% waiver on loans above ₹3 lakh till 31st October 2025

Fees & Charges:

- Processing fee: Up to 1% of loan amount + taxes

- Valuation charges: ₹350 to ₹1,500 depending on loan size

- Foreclosure charges: Nil after 180 days

- Renewal and legal charges apply as per bank policy

Documentation Required:

- Any one of the following valid ID proofs: Passport, Driving License, Voter ID, Aadhaar Card

- PAN Card or Form 60

- One passport-size photograph

- Agricultural documentation (only if loan is for agricultural purposes)

Repayment Options:

- Pay only interest every month and principal at the end of tenure

- Enjoy monthly outflow as low as ₹1,000 per lakh (based on 12% p.a.)

- Bullet repayment and overdraft facilities available

How to Apply:

- Visit the HDFC Bank Gold Loan section on the official website

- Fill in your personal details and verify with OTP

- Submit the application along with required documents

- Get your loan processed and approved in as little as 45 minutes

Disclaimer:

The details provided above are indicative and subject to change as per HDFC Bank s policy. Loan approval, interest rate, and terms are at the sole discretion of HDFC Bank. Please visit the official HDFC Bank website or nearest branch for the latest information.