*Applicants older than 75 can apply with a co-applicant
** ₹10,000 in rural areas
Gold Loan sorts your finances with a sparkle
Fast assessment, processing and disbursal of loan
Gold term loan and overdraft against gold offered
No financials required*
A loan of up to ₹ 3.5 crore is available
Submit the application form, PAN and KYC documents to kickstart the loan process
Your gold jewellery is safely stored in HDFC Bank lockers with triple-layer security packing
A Gold Loan gets you up to 75% of the value of your gold jewellery.
HDFC Bank account holders can get a Gold Loan of up to ₹ 70 lakhs without any financials requirement. For new customers, this relaxation is up to ₹ 20 lakhs*
You can repay/part-pay the loan without restrictions and foreclosure charged after six months of loan tenure
The Gold Loan can be taken as a term loan or an overdraft
The loan tenure is 6 to 42 months
The applicant must be between 18 and 75* years of age.
A maximum of four loans can be availed of at any given time
The minimum loan amount is ₹25,000**
Loan from ₹25000 to ₹3.5 cr Overdraft from ₹5 lakhs to ₹3.5 cr
*Applicants older than 75 can apply with a co-applicant
** ₹10,000 in rural areas
Address and identification proof include the following:
The Gold Loan can be your saviour when –
A loan taken against your gold or jewellery is known as a Gold Loan. When you hand over your gold to the bank in return of a specific amount it is classified as a Gold Loan. It is a quick and straightforward process to obtain funds against your gold with minimal documentation at competitive Gold Loan interest rates with flexible tenures.
An Indian Resident between the age of 18 and 75 years can apply for a Gold Loan through HDFC Bank. You can check your eligibility through Gold Loan eligibility calculator.
The list of documents required if you wish to apply for a Loan against Gold with HDFC Bank are:
You can apply for a Loan against Gold when you require funds for a specific purpose. As the turnaround time to receive the funds over the counter at any HDFC Bank branch nearest to you is 45 minutes, you can use this advantage to apply for a Gold Loan during an emergency as well.