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- Gold Loan Procedure
Gold Loan Procedure: Step-by-Step Guide from Application to Disbursal

11 April, 2025
Synopsis
You can get a Gold Loan through a simple and straightforward process online or offline.
The process to avail of a Gold Loan differs based on the loan provider. However, the general structure remains largely the same.
The steps you need to follow include checking eligibility criteria and terms, comparing lenders, filling out the loan application, providing required documents, completing verification, gold valuation, and loan disbursal.
Getting a Gold Loan is easier than ever before with a streamlined and convenient process. Most lenders let you borrow funds against your gold jewellery with minimal details and application hassle. The key is to stay prepared with the requirements and understand how the process works. The procedure to apply has slight variations based on the lender. However, the overall structure remains more or less the same. Understand what the procedure for a Gold Loan is in this brief guide.
What is the Gold Loan Process? 5 Simple Steps to Access Quick Funds
You can obtain funds against your gold jewellery by following simple and straightforward steps. Here's how the application process for Gold Loan works:
Check Eligibility Criteria and Terms
The first step is checking if you qualify for the loan. Typically, the eligibility requirements for Gold Loan are:
You should fit into the age range of 18 to 75 years.
You can pledge a gold of 18-24 karats only.
You can apply as a salaried individual, self-employed professional, business owner, senior citizen, or homeowner.
Compare Lenders
Different loan providers offer varying terms, interest rates, and benefits on Gold Loans. It helps to compare their offering to choose the right loan for you. You can find all the information about their unique benefits, fees, and policies on their website. Take the time to evaluate and select a lender.
Fill in the Loan Application
Once you have made the selection, you can fill out the loan application form in your bank branch. You are required to provide basic information like your name, contact details, and the information about the gold you wish to pledge.
Provide Required Documents
You need minimum or, in some cases, no documentation. Usually you are required to submit any one of the following:
Passport (Not expired)
Driving license (Not expired)
Voters’ ID Card
Aadhaar Card issued by UIDAI
PAN (Permanent Account Number) Card (along with any of above mentioned documents) or Form 60
One Passport Size Photograph
Agri Allied Occupation Documentation ( in case of bullet repayment for agriculture customers)
Note: *Loan to be granted for agricultural/business/personal purposes only. Loan cannot be availed for purchase of gold coins, jewels or jewellery, land or any speculative purposes. Loan approval is at sole discretion of HDFC Bank.
Wait for Verification
Once your application and paperwork are submitted, the lender will initiate the verification process. Post this, your loan is usually disbursed quickly, in about 45 minutes to one hour.
Gold Valuation
The gold you pledge is evaluated to determine its purity, weight, and current market value which could impact the loan amount sanctioned to you.
Fund Disbursal
After successful verification, if your application is approved, the approved amount is transferred to your bank account or through a cheque or Demand Draft. Most lenders offer quick disbursal to meet your emergency financial needs. You can repay the borrowed amount through flexible repayment options, while your gold is stored with the lender.
Turn Your Gold jewellery into Opportunity with HDFC Bank Gold Loan
Understanding what the procedure for a Gold Loan is and how each step works is key to accessing funds without hassle. It helps get a smooth approval when you are thoroughly prepared before you apply. If you are ready to apply, you can consider HDFC Bank Gold Loan for a reliable and transparent process. Some of the highlights of the Gold Loan by HDFC Bank are the overdraft facility, 45-minute disbursements, and simple documentation.
Apply for Gold Loan online|
FAQs
How long does it take to process a Gold Loan?
The process to get a Gold Loan is typically swift and hassle-free. Many lenders complete disbursal in a matter of minutes to a few hours. The key is to have all your documents in place and provide accurate information in your application.
What makes the Gold Loan process easy?
The ease of the process to avail of a Gold Loan lies in its simplicity and accessibility. With minimal documentation and a straightforward eligibility criterion, the Gold Loan process is easy to navigate.
What are the interest rates on Gold Loans?
The interest rate on Gold Loans depends on the lenders' policy and your application. Typically, the interest rate ranges between 8-26%.
Apply for Gold Loan online
*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Gold Loan at the sole discretion of HDFC Bank Limited. Loan disbursal is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.