HDFC Bank Gold Loan
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.
Documents required
- PAN Card
- Aadhaar Card
- Gold ornaments for pledge
- Passport-size photographs
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.
Eligibility
Loan terms
- Bank safety of gold storage
- Overdraft option against gold
- Transparent per-gram pricing
Fees & charges
FAQ
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.
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