HDFC Bank Gold Loan 2026: Interest Rates, Features and Documents Explained
HDFC Bank continues to offer gold loans as a flexible financing option in 2026, with interest rates ranging from 9.30% to 17.86% per annum. The loan is designed to meet urgent personal needs, business expenses, and agricultural requirements.
Customers can avail gold loans starting from ₹25,000, with no fixed upper limit, depending on gold purity and market value. The loan tenure extends up to 24 months, and borrowers can choose convenient repayment options such as EMI, term loan, or overdraft facility. Processing fees may go up to 1%, while foreclosure charges are nil after three months.
Gold loan eligibility is calculated based on the purity of gold pledged, with different per-gram values applicable for 18, 20, and 22-carat jewellery. The bank also offers gold loans to salaried individuals, self-employed customers, traders, and farmers, ensuring wider access to credit.
Documents Required:
To apply for a gold loan, customers must submit a passport-size photograph along with valid identity and address proof such as PAN card or Form 60, Passport, Driving Licence, Voter ID Card, or Aadhaar card issued by UIDAI.
Applicants from the agricultural sector opting for bullet repayment must additionally provide documents proving agri or allied occupation.
Gold loan applications can be made online through the bank’s website or by visiting the nearest branch. Upon successful appraisal and document verification, loans are typically disbursed within a short time, offering quick access to funds.
Get in touch with trusted gold buyers today and receive the best cash value for your gold!
;
