The HDFC Bank Agri Gold Loan allows individuals engaged in agricultural and allied activities to meet their agricultural financing needs. This can include land development, seed purchasing, plantation expenses, labour expenses incurred in land cultivation, purchasing agricultural equipment and fencing of agricultural land. This loan can also help with recurring expenses associated with agricultural activities, post-harvest activities and Agri-allied/ancillary activities, to name a few.

Loan Type:

Term Loan, Overdraft

Key Features:

The HDFC Bank Gold Loan for agriculture purposes is designed to cater specifically to the needs of farmers and agricultural entrepreneurs.

The loan comes with the following features:

  • Quick Processing: Our swift loan processing ensures you receive the funds you need promptly to finance your agricultural goals.
  • Loan-to-Value (LTV) Ratio: For agri gold loan-to-value ratio to be 75%, to meet your financial requirements effectively.
  • Expert Gold Valuation: The valuation of gold is conducted by professional assayers, guaranteeing a fair and transparent assessment of your precious assets.
  • Competitive Interest Rates: Bank is offering competitive interest rates for agricultural loan against gold.
  • Repayment Tenure: Enjoy a comfortable repayment tenure of 12 to 42 months.
  • Quantum of loan: Minimum of ₹25,000/- to Maximum of ₹25 lakh.


    • Individuals who are engaged in agriculture / agri allied activities and having gold ornaments, jewellery or, either individually or jointly, can apply for an Agri Gold Loan.
    • Loans are granted against gold ornaments, jewellery and specially minted pure gold coins sold by our bank/other bank (up to 50 grams per borrower).