HDFC Bank Gold Loan with bank-grade storage safety and overdraft option against pledged gold.
At 9.3%, HDFC Bank has one of the lowest starting rates of the 16 lenders we track for gold loans.
As published by HDFC Bank. Your branch may ask for more.
Best for: Borrowers wanting flexible repayment — bullet, monthly interest, and EMI options on 18/20/22K gold.
Up to 75% of the assessed gold value — the RBI loan-to-value cap. The rate depends on the lender and scheme, not your credit score.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.