Gold Loan

Get Loan against your gold Jewellery instantly!

HDFC bank’s Sampoorna Bharosa Gold Loan is available the moment you step into any of our branches. We help you optimise your investment in gold because this loan against gold is not only easy to avail but also easy to repay. Get convenient loan options, affordable interest rates and an opportunity to liquidate your gold loan at any time.

Apply now for an HDFC Bank Gold Loan. Watch the Video: HDFC Bank - Circle of Life

  • Safe
    Unique 3 way sealing to ensure
    your gold is secure in our safety vault.
  • Smart
    Flexible Pricing and tenor for making a smart choice.

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Why take a Gold Loan from HDFC Bank?

Whatever be your need we have a loan for you. Over the years we have won the trust of our customers and have become market leader in loan products.

Enjoy triple benefits when you take a loan against gold from HDFC Bank:

  • Faster loan - Our gold loan sanction and disbursal is one of the quickest with easy documentation.
  • Competitive pricing – Our rates and charges for loan against gold are very attractive.
  • Transparency – All charges are communicated up front in writing along with the gold loan quotation

What is Sampoorna Bharosa Gold Loan all about?

HDFC Bank introduces a safe, simple and easy procedure to unlock the value of your gold without selling it. Make your gold work more for you in times of need. Here are a few benefits:

List of Documents

  • Passport (Not expired)
  • Driving license (Not expired)
  • Voters’ ID card
  • Aadhaar Card issued by UIDAI
  • PAN (Permanent Account Number) Card (Along with any of the above document)

NOTE: Please note that the loan is granted for Agricultural/Business/ personal purposes. The loan amount cannot be used for purchase of Gold Coins, jewels, land or other speculative purposes. Credit provided is at the absolute discretion of HDFC Bank

What are the fees and charges applicable for loan against gold?

Here is an exhaustive list of all the fees and charges to be paid for the loan:

FeesAmount to be paid
Loan Processing Charges Upto 0.5%.
Option of Nil Processing fee also available.
Valuation Fee Rs 250 for loan upto Rs 1.5 lacs and Rs 500 for loan over and above Rs 1.5 lacs
Foreclosure charges Upto 1%.
Option of Nil Foreclosure charges. Foreclosure charges are to be paid when a loan is closed before the tenure is completed or minimum of one year tenure. The bank will levy a certain percentage on outstanding loan amount as the penalty for fore closing the loans.
Charges for late payment of loan amount 2% p.a. as penal interest over and above applicable rate of interest.
Stamp Duty & other statutory charges As per Applicable laws of the State
Renewal Processing Fees Upto Rs 250
Prepayment/Partpayment charges Upto 1%

Rates offered to customer during the period of Jan'16 to Mar'16

Product GroupBank IRR
GOLD LOAN 9.70% 15.65% 12.11%

Annual Percentage Rate offered to customer during the period of Jan'16 to Mar'16

9.70% 20.18% 12.42%

Note: Service Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges
Loan at the sole discretion of HDFC Bank Ltd.

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