FEATURES

FEES & CHARGES




Charges

Current Charges

Loan processing charge (processing fee)

Maximum 1% of Disbursal Amount + Applicable Taxes

Asset Verification &
Valuation charge

Rs 350 +applicable tax for loan amount up to 2 lacs
per packet per loan

Rs 750 +applicable tax for loan above
2 lacs - Upto 10 Lacs per packet per loan

Rs 1500 +applicable tax for loan above 10 Lacs
per packet per loan

Premature closure charges
(Full or Part payment)

2%+Applicable Tax - if the loan is
pre-closed within 30 days. 

1%+Applicable Tax - if the loan is pre-closed
greater than 30 days and within 180 days.

Nil - if the loan is pre-closed
after 180 days

Renewal Charges
(TL/OD/Rearend)

Loan Amount Upto 5 Lacs - Rs 500 + Applicable tax

Loan Amount> 5 lacs - Rs 750+ Applicable

Payment Return Charges#

Rs. 450+ Applicable Tax

TOD Charges against Overdraft account

18% p.a

Stamp Duty and Other statutory Charges

As per actuals which are applicable in laws of the state.

Cibil Charges

₹50 per report

Legal and Incidental charges.

As per actual

Auction Charges

Rs - 1500 (News Paper Advertisement
charges- As per the incident)

Overdue Notice charges₹ 200 Per Loan recall/Auction Notice
​​​​​​​ Sent to customer 


# If you pay your EMI after the due date, interest will be charged on unpaid EMI for the number of days you are late. This interest is calculated at your loan’s contracted rate and will be added to your next EMI.

Example:

📅 EMI Due Date: 10th

💰 Payment Made On: 25th

⏳ Delay: 15 days

💸 Impact: Interest for these 15 days will be added to your next EMI.

Please pay on time to avoid this.

Interest Rate offered to customer during the period of Q2-FY'24-25 - Jul'24- Sept'24 *

  • The Bank IRR for Gold Loans ranged from 9.30% to 17.86%, with an average of 11.91%.

  • The Annual Percentage Rate (APR) for Gold Loans ranged from 9.30% to 17.88%, with an average of 11.92%.


Note: GST and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

All fixed rate loans up-to ₹50 Lakh, availed by Micro and Small Enterprises, will not be charged with foreclosure and Prepayment charges provided the same has been closed/part paid from own source of funds

NIL Processing Fees for loan facility up to ₹5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursal

Loan at the sole discretion of HDFC Bank Ltd.

*T&C- Loan Approval and ROI at the sole discretion of HDFC Bank Ltd

Apply for Gold Loan online at Attractive interest rate and minimal documentation requirement

DOCUMENTATION