HDFC Bank Gold Loan

HDFC Bank Gold Loan provides unique gold loan. Sampoorna Bharosa loan which is designed for applicants offers finance on their gold. HDFC branches are available everywhere in India therefore one can access gold loan to fulfil financial requirements. You can apply for gold loan in HDFC bank at At our website, you can also access HDFC bank EMI calculator and know HDFC Bank gold loan eligibility and gold loans interest rates in HDFC bank for free. provides all the information about HDFC Bank Gold Loan.

HDFC Gold Loan Features:-
  • Approval is quick- Because of less documentation loan gets quickly approved without any delay.
  • Multipurpose loan- Applicant can use loan amount for their financial need which is genuine.
  • Loan amount- Applicant can avail loan as per their requirement with the help of HDFC Bank open to consider facility.
  • Safety - There is three tier sealing system for the gold’s safety.
  • Competitive interest rates- Bank offers competitive rate of interest and under certain circumstances it offers special rates to customers.
  • Prepayment- One can prepay the loan without any excess charge of prepayment.
  • Transparent- Bank maintains full transparency between customer and bank for any charges which bank take.
Interest Rates of Gold Loan HDFC Bank

Rates of interest charged by bank depend on loan amount, borrower and time duration. Currently bank charges the interest rate between 9.7 % and 20.18 % per year but quality of gold is also one of important factor in deciding the rate. Average interest charged by bank is 12-13% which is highly competitive.

There are special rates for existing customer and women of their services and products.

Notice- Above mentioned rates are of May 2016, rates are subjected to change without any prior information.

Eligibility Criteria for Gold Loan in HDFC Bank
  • Security – Customer has to provide gold in the form of security.
  • Income – Customer has to prove that he or she earns enough income to pay the loan.
Documents Required for Gold Loan from HDFC Bank

In order to make the process simple bank has minimised the documentation part. Procedure can be done in single page. Below is the documents one need to submit for the loan:-

  • Address proof – Address proof should be government recognized (ration card, passport, utility bill, Aadhar card, etc.)
  • ID proof– ID proof should be government approved (DL, PAN card, Passport, etc.)
  • Application form – Application form should be completely filled and signed.
Charges and Fees for HDFC Loan on Gold

Charge /Fee type for Loan against Gold

Charge /Fee amount

Processing fee*

0.50% of loan amount

charges of foreclosure /Prepayment

Max – 1%

In order to waive of such charges customer can contact bank

Valuation fee

Min – loans up to Rs 1.5 lakh - Rs 250

Max – loans over Rs 1.5 lakh- Rs 500

Charges of Renewal

Maximum 250 Rs.