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Overdraft Against Gold Jewellery
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Overdraft Against Gold Jewellery
 
Eligibility Criteria
Resident Individuals
Hindu Undivided Families (Only HUF as borrower)
Sole Proprietor
Partnership Firms (Jewellery belonging to Partners / his family)
Private Limited Companies (Jewellery belonging to directors / his family)

Documents Required
Photo should match with the one on AOD/AOF and should be visible clearly on the proof. Identity proof should be valid and not expired. Signature on the signature proof should match with the signature on AOD/AOF. Address on the address proof should match with the address on the AOF/AOD .All identity, signature, address proof should be valid and not expired. All id proof should mandatorily have name and photo. All address proof to have name and address. All signature proofs to have the name and signatures and the unique number of the said document.


Sr.No Description
Id Proof
Address Proof
Signature Proof
Applicable (Yes/No)
1 Passport [not expired]
Yes
Yes
Yes
2 Arms License issued by the State/Central Govt. of India containing photograph of the applicant. (*Can be accepted as address proof if it carries the address) (**Can be accepted as Signature proof if it has signatures)
Yes
Yes*
Yes**
3 Permanent Driving license [not expired]
Yes
Yes
Yes
4 Pension payment card issued by State/Central Govt. of India with photograph of the applicant
Yes
Yes
Yes
5 Ration Card with/without IRIS scan along with photograph as prevalent in the respective states
Yes
Yes
Yes
6 Banker's Verification of Photograph & signature as per bank’s existing format from an existing Bank under the sign and seal of the Bank Official or from Post Office where customer has an account . In case of post office the verification to be signed by the Post Master under his sign & seal. It should not be more than 3 months old.
.
Yes
Yes
Yes
7 Photo Social Security card issued by Central/State/Union Territories
Yes
Yes
Yes
8 Election /Voters card (*Can be accepted as address proof if it carries the address)
Yes
Yes*
No
9 Bank passbook with photograph attested by Bank Official & official seal. Passbook should be updated in the last 3 month.
Yes
Yes
No
10 Certificate with Photo & address from local Govt body.( Tehsildar/Sarpanch/Municipality /Class 1 Gazetted officer /Commissioner etc.)
Yes
Yes
No
11 Photo Debit/ Credit Card (* Can be accepted as signature proof if it carries the signature on the face of the card)
Yes
No
Yes*
12 MAPIN card [issued by NSDL]
Yes
No
Yes
13 PAN card
Yes
No
Yes
14 Photo ID card issued by any of the following organizations/Institutions

1. Central Government or any of its Ministries.
2. Statutory / Regulatory authorities
3. State Govt. or any of its Ministries
4. Public Sector Undertaking (established under GOI or State Govt)
5. State Govt. of J&K
6. Bar council
7. Senior Citizen card issued by State/Central Govt.
8. Govt. of India to Persons of Indian Origin [PIO card]
9. Defence Dept / Ministry of defence for Defence personnel & their dependants
10. Public Financial institutions
11. Identity card issued by Super A and Cat A companies with Employee id mentioned on the identity card.
(*Can be accepted as Signature proof if it carries the signature)
Yes
No
Yes*
15 Photo ID card issued by ICWAI/ICAI/ICSI/Indian Medical Association
Yes
No
No
16 The covering letter accompanying the PAN card at the time of issuance should be accepted along with the PAN card.
No
Yes
No
17 Telephone bill/Electricity bill of Public and approved Private operators in the State [Not older than 3 months]
No
Yes
No
18 Bank account statement /Bank Passbook of a PSU / Private Sector / Foreign bank [Not older than 3 months]
No
Yes
No
19 Demat account statement with address-should not be more than 3 months old. HDFC Bank Demat a/c statement can be accepted.
No
Yes
No
20 Post office pass book with full address
No
Yes
No
21 Letters of correspondence from Professional Bodies like ICAI/ICWAI/ICSI/Indian Medical Association etc showing the current address. The same should match the address on application form. To be taken along with Id card issued by these Associations
No
Yes
No
22 Income tax assessment order with address, should pertain to assessment of income of last financial year
No
Yes
No
23 Letter / Monthly outgoings bill (only from Registered societies)
No
Yes
No
24 Copy of title deeds (Wherein original title deeds are registered and stamped)
No
Yes
No
25 Land Patta/Jamabandi / 7/12 extract
No
Yes
No
26 Lease/ Leave & license agreement / Rent agreement copy duly stamped (to be stamped where as per state laws it is mandatory) accompanied by CPV. The agreement should be on Rs 100/- stamp paper and the agreement should be at least 3 months old from the date of loan application.
No
Yes
No
27 Latest Property tax bill / Property tax paid Receipt
No
Yes
No
28 Muncipal/Corp/Panchayat/Tax Payment Receipt of last one year
No
Yes
No
29 Mobile post paid bill of public / private operators in the State.
No
Yes
No
30 Printed consumer gas connection card / book OR latest pipe gas bill.
No
Yes
No
31 Domicile certificate with communication address issued by Municipal Corporation.
No
Yes
No
32 Certificates issued by Mandal revenue officer. "Mandal Revenue Office " is State Governing Body "based on this "House Hold Card "are issued
No
Yes
No
33 Latest Credit Card Statement with CPV at the same address. Statement not more than 2 months old
No
Yes
No
34 Address on Employers Letter Head, duly signed & stamped by appropriate Authority and CPV done for Super A and Cat A companies only. Letter should not be more than 3 months old. Applicable only for company provided accommodation.
No
Yes
No
35 Insurance policy or premium receipts of the address in question. This includes Life as well as Non Life insurance policies for both Government undertaking as well as Private Operators.
No
Yes
No
36 SSI and Shops & Establishment Act Registration certificate may be accepted provided the mailing address is the same as the Shop / office / Factory & confirmed by CPV.
No
Yes
No
37 House Allotment letter issued by the Central/State government authorities mentioning the name and address of the applicant.
No
Yes
No
38 Senior citizens card issued by the State /Central Govt. of India (*if it carries address)(** if it carries signature)
No
Yes*
Yes**
39 Photo ID card with photograph (issued by J&K & Goa State Govt.) (*if it carries address)(** if it carries signature)
No
Yes*
Yes**
40 IRIS scanned household Card with photograph (issued by Andhra Pradesh. govt.)(*if it carries signature)
No
Yes
Yes*
41 Additional Address Proofs: Defence Accounts (Indian Army, Navy & Air Force)
  • Transfer / Movement order issued by the defence ministry / unit of defence ministry mentioning the name and address of the applicant.
  • House Allotment letter issued by the defence ministry / unit of defence ministry mentioning the name and address of the applicant.
  • Certificate on the defence letterhead issued by the defence ministry / unit of defence ministry mentioning the name and address of the applicant.
No
Yes
No
Please note that the loan is granted only for personal purposes. Loan Amount can not be used for speculative activities or any purpose linked to capital market activities or for any anti social purposes.All credit is at the absolute discretion of HDFC Bank.

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