HDFC Bank

HDFC Bank Gold Loan

Interest from

9.30%

p.a. reducing

Loan amount

₹25K – ₹50 L

secured

3–24 moTenure

1%Processing fee

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Calculate your EMI

Move the sliders to see monthly EMI, total interest, and total cost of this loan.

Loan amount₹3,00,000

Tenure1 year

Interest rate9.30%

Your actual rate depends on your credit profile, income, and employer category.

Monthly EMI

₹26,277

Total interest

₹15,326

Total payment

₹3,15,326

Processing fee (1%)

₹3,000

Total cost of this loan

✨ interest + processing fee

₹18,326

Interest Rate9.30% – 17.86%Floating

Max Amount₹50 Lfrom ₹25K

Tenure3 mo – 2 yrs

Processing Fee1%

✓ Best for

Borrowers wanting flexible repayment — bullet, monthly interest, and EMI options on 18/20/22K gold.

⚠ Not ideal for

Very low ticket sizes (< ₹25K) — Muthoot/Manappuram serve the sub-25K segment better.

Key highlights

Bank safety of gold storage
Overdraft option against gold
Transparent per-gram pricing

Total cost of this loan

For a ₹3 L loan over 1 yr at 9.30% — your best-case scenario.

Monthly EMI: ₹26,277
Total interest: ₹15,326
Processing fee (1%): ₹3,000
Total cost: ₹18,326

You repay ₹3,18,326 for ₹3,00,000 borrowed.

Customize amount, tenure & rate in the EMI calculator above ↑

Rate and prepayment

This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).

Compare HDFC Bank with other gold loan lenders

Data verified — last updated April 2026

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About HDFC Bank

Type: Bank
Established: 1994
Headquarters: Mumbai
Rating:4.3/5

Largest private-sector bank in India. EBLR linked to RBI repo (5.25%); home loan rack range 7.90–13.20%, personal 9.99–24.00%, XpressCar from 9.40%, business 10.75–22.50%.

Visit HDFC Bank website