HDFC Gold Loan

Gold Loan at 7.15% p.a

Apply & Get Instant Money

HDFC Gold Loan Key Features – Apply Now!

HDFC Gold Loan Interest Rate 7.15% per annum
HDFC Gold Loan Per Gram Rate Per Gram Today is ₹ 5,293
HDFC Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
HDFC Gold Loan Processing Fee 1.50% of the Principal Loan Amount
HDFC Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
HDFC Gold Loan Repayment Tenure 3 Months to 24 Months
HDFC Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of HDFC Gold Loan

  • Quick Process: The HDFC Gold Loan is readily accepted and paid out. The loan is an hour away. 
  • Minimal Documents: The HDFC Gold Loan paper process is straightforward and includes only necessary documents. 
  • Transparent System: the consumer is given full clarification, there are no secret costs. 
  • Amount of Loan: Rs. 15,000 is the smallest amount of loan given to the client. The smallest amount may also be less than Rs. 10,000 in rural areas.
  • The wellbeing of Jewelry: HDFC is responsible for the security of your gold. Accordingly, the gold is introduced flame-resistant insurance. 
  • Advance Tenure: The credit is allowed for the length from 3 months to 2 years. 
  • Advantages for Farmers: HDFC wins some exceptional proposals for agrarian purposes. Low Gold Loan rate for farming uses square measure gave. 
  • No Debt Burden: If in any scenario the mortal isn’t able to pay the advance quantity the mortal won’t be beneath debts. 
  • No financial gain bounds: there are not any restrictions on the wage of the mortal. Henceforth, candidates with any financial gain level will avail a gold credit.

How much Gold Loan can I Get through HDFC Gold Loan

HDFC Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 42900 39000 35100

20 gram

93600 85800 78000 70200

30 gram

140400 128700 117000 105300

40 gram

187200 171600 156000 140400

50 gram

234000 214500 195000 175500

100 gram

468000 429000 390000 351000

200 gram

936000 858000 780000 702000

300 gram

1404000 1287000 1170000 1053000

400 gram

1872000 1716000 1560000 1404000

500 gram

2340000 2145000 1950000 1755000

HDFC Gold Loan Eligibility 

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

HDFC Gold Loan Documents Required

Photographs

2 Passport Size

Identity Proof

Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

Residence Proof

Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

HDFC  Gold Loan Interest Rate, Fees and Charges

HDFC Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST

About HDFC Gold Loan

A part of life is uncertainties. We, therefore, have a propensity to all want cash to overcome all the money obstacles in your life. Where the Gold Loan plays an important role in tackling the money crisis. The current service can be easily accessed by people with a low CIBIL score. One of the best gold loans in India is the HDFC Gold Loan.

Nonetheless, the gold loan is used by a variety of financial banking and non-banking firms, but the HDFC Gold Loan is considered the strongest. As one of the most reputed and reputable banks in India, HDFC is well known for its brilliant financial services.

  • HDFC  Gold Loan Interest Rate is 7.15% per annum
  • HDFC  Gold Loan Per Gram is ₹ 5,293
  • HDFC  Gold Loan Tenure: Up to 24 months
  • HDFC  Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

Types of HDFC  Gold Loan

HDFC  provides various plans appended to the Gold Loan item. Plans are as per the following: 

Advance Against Gold-HDFC gives Gold Loan at an engaging pace of interests which can really satisfy anybody’s immediate need of assets for any close to home or expert reasons. Gold Loan is absolutely a made sure about sort of advance any place the bank includes no danger inside the attitude amount of money to the credit searcher at a slower pace of enthusiasm when contrasted with the contrary assortments of Loan stock. 

Advance Against Gold for Agriculture-Specifically for agrarian purposes to ranchers HDFC Avails Gold Loan at a unique pace of enthusiasm when contrasted with the Gold Loans which are accommodated different employments. Particularly offers benefits and furthermore, the bank might want the Land evidence on that premise the credit searchers to apply for Loan.

HDFC Gold Loan EMI Calculator

Rate of Interest
6 months
1 Yr
2 Yrs
3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

How to Pay Your HDFC Gold Loan EMI?

HDFC Gold Advance can be repaid in the diverse after manners: 

  • Standing Instruction (SI): If you are a record holder with HDFC at present, at that point Standing Instructions is the most selected technique for pay. close to the furthest limit of the month time frame, the EMI sum will be credited from the candidate’s HDFC account the candidate shows. 
  • Electronic Clearing Service (ECS): This plan is for the candidates who have a  non-HDFC record and the EMIs should be charged therefore toward the month’s end cycle from this record. 
  • Post-Dated Checks (PDC): The candidate can introduce post-dated EMI analyze from the non-HDFC explanation at your close by HDFC Loan Center. Promptly, the rebuild of PDCs should be offered. For ideal condition, it’s recommended to see Post Dated Checks which can be gathered non-ECS states since it was.

HDFC Gold Loan Contact Number

In order to get instant assistance and approval for your HDFC Gold Loan, call 9878981144. To use the best deal relevant to your needs, you can learn the best Gold Loan deals available from all the HDFC branches across the nation.

Gold Ornaments Accepted by HDFC

  • Gold jewellery such as gold bracelets, gold earrings, gold locks, gold anklets, gold necklaces, etc. are all approved by HDFC to pursue a gold loan 
  • Quality: Gold quality can range from 18 and 22 carats. The Gold Loan can not be used for any 24-carat Gold Ornaments.

Use of HDFC Gold Loan

The asset that is gotten by HDFC  Gold Loan administrations can be utilized for a few purposes:

  • Asset for any explicit investments like hiking, marriage, instalment of upper educational cost instalments, and so forth
  • Loan services square measure obtainable for promoting needs like getting contemporary provide, developing promoting, etc.
  • Extra Gold Loan likewise can be profited for horizontal ideas. the bank gives a lower pace of enthusiasm for Gold Loans that are accessible for cultivating or cultivating related undertakings.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.15% – 14.50%

ICICI Gold Loan

7.15% – 16.10%
Muthoot Finance Gold Loan

7.15% – 24.00%

Axis Bank Gold Loan

7.15% – 17.00%
Manappuram Gold Loan

7.15% – 26.00%

Yes Bank Gold Loan

7.15% – 15.99%
Bank of India Gold Loan

7.15% – 26.00%

Federal Bank Gold Loan 

7.15% – 13.50%
IIFL Gold Loan

7.15% – 12.00%

Central Bank of India Gold Loan

7.15% – 14.65%

Canara Bank Gold Loan

7.15% – 12.65%

Allahabad Bank Gold Loan

7.15% – 10.45%

Induslnd Bank Gold Loan

7.15% – 15.75%
PNB Gold Loan

7.15% – 11.75%

Bajaj Finance Gold Loan

7.15% – 26%
SBI Gold Loan

7.15% – 15.99%

Indian Bank Gold Loan

7.15% – 15.99%
UCO Bank Gold Loan

7.15% – 26.00%

Kotak Mahindra Bank Gold Loan

7.15% – 13.50%
Syndicate Bank Gold Loan

7.15% – 12.00%

FAQs About HDFC Gold Loan

  • What is HDFC Gold Loan?

HDFC Gold Loan can be a loan theme anywhere you access by holding your gold as a guarantee with the bank for any emergency monetary facilitation. Participating interest rates on the term loan, the payment order and the EMI mainly based loan are included. The total disbursement time for gold loans is merely 45 minutes.

  • How can I get the Gold Loan from the HDFC? 

You can get HDFC Gold Loan by being to any nearby Gold Loan offering branch. Even you can access to Gold Loan online with BestLoanDeal from anywhere and get the best deals and offers.

  • What is Gold Loan Interest Rate in HDFC?

The interest rate for HDFC in the Gold Loan is 7.15 per cent per year. The rate of interest depends on various factors, namely: loan quantity, tenure of the loan, gold purity, etc.

  • How much Gold Loan can I get per gram in HDFC?

The value of per gram Gold Loan strictly depends on the purity and quality of the gold. HDFC believes gold purity between 18 to 22 carats to supply a Gold Loan. you’ll avail up to Rs. 5,293 per gram in HDFC Gold Loan.
  • How to check Gold Loan status in HDFC?

To check the standing of HDFC Gold Loan you’ll be able to visit HDFC Loan hunter. Mention your options within the provided application. this may simply assist you to trace the standing of your loan from anyplace at any time and keeps you updated.

  • How to calculate Gold Loan Interest in HDFC?

HDFC Gold Loan interest is often calculated victimization BestLoanDeal’s EMI Calculator. It provides you with the correct details supported the data the person enters within the calculator

  • How to Pay HDFC Gold Loan Interest Online?

HDFC Gold Loan premium can be paid through net counts on the authority HDFC credit reimbursement page or then again. Another mode Paytm can likewise be utilized to reimburse HDFC Gold Loan or your favoured instalment strategy.

  • What if I can’t pay the interest on HDFC Gold Loan for 3 months?

If the interest is not paid back for three months, a notice of the unfinished dues is issued ab initio. After that, if the demands for payment are neglected or inaudible, an official legal notice is issued, requesting repayment and termination of the loan. These defaults on your Gold Loan end up in an enormous decrease in your credit score and also cause you to react to the bank’s legal actions that can tolerate arrogance and auction of your gold.

  • How can I apply for EMI Moratorium on HDFC Gold Loan?

You can apply for EMI Moratorium on HDFC Gold Loan between 1st March and 31st August 2020. You can get it done by contacting the Bank Customer Care or visiting the nearby HDFC branch.