HDFC Gold Loan Interest Rate 2025: A Detailed Overview
- Nimisha Panda
- Sep 9
- 7 min read
The HDFC gold loan schemes are appropriate for pressing financial necessities, business expenses, or farming requirements due to their swift disbursal and variety of repayment options. With interest rates ranging from 9.30% to 17.86% in 2025, the HDFC gold loan is among the most adaptable and affordable ways to borrow against gold. The purity and market worth of the gold will determine the maximum amount that customers can borrow, which starts at Rs. 25,000. Whether a borrower is self-employed, salaried, or in agriculture, the interest rate on an HDFC Bank gold loan varies according to their profile.
Table of Contents
Features of HDFC Gold Loans
Loan amount: Loans from HDFC Bank start at Rs 25,000, and in rural areas, there is a minimum loan amount of Rs 10,000.
Tenure: HDFC Gold Loans are available for terms between six and forty-two months.
Payback: For its gold loan, HDFC Bank has provisions such as bullet payback, overdraft, and term loan options. Consumers can choose to merely pay back interest each month or to pay back their EMIs each month. Borrowers who choose the bullet payback option have one year from the date of loan issuance to repay the principal and interest.
Processing time: According to HDFC Bank, gold loans would be disbursed 45 minutes after the loan application is submitted.
Processing fees: When you apply for a gold loan, the bank will charge you a processing fee. One percent of the loan amount is the processing cost for HDFC Gold loans.
Appraiser charges: The fees paid to lenders for evaluating the value of the pledged gold are known as appraiser costs for gold loans. It is crucial to realise that, depending on their gold holdings, different people may pay different appraiser fees for the HDFC Bank gold loan.
Foreclosure charges: Nil after 3 months and 2% if closed within 3 months.
Benefits of HDFC Gold Loans
Fast approval: Minimal documentation results in fewer issues and delays, which speeds up acceptance.
Loan amount: People can get loans in amounts that suit their needs, and HDFC Bank is prepared to consider unique situations.
Flexible repayment options: Borrowers can choose a payback period that best suits their needs and pay back the loan with adjustable monthly installments.
Prepayment: Borrowers can pay off their loans early without facing steep penalties.
Low processing fee: Borrowers only bear a small processing cost, which is determined by overall trends and competition. There are never any hidden costs, and transparency is always upheld.
Competitive interest rates: For this gold lending program, HDFC Bank offers highly competitive interest rates, with special rates occasionally available.
Safety: To protect the collateral that people have promised, a three-tier sealing mechanism is in place.
HDFC Gold Loan Interest Rate 2025
HDFC Bank asserts that their gold loans, which come in the form of term loans, overdraft facilities, and EMI-based loans, have competitive interest rates. The interest rates offered to applicants for gold loans may differ based on the applicant's credit history, the quality of the gold jewellery offered as collateral, the loan length, the type of gold loan facility taken out, and other factors, even though the bank has not made its interest rates clear. The HDFC Bank Gold Loan interest rates for 2025 range between 9.30% and 17.86%, with an average of 11.91%.
HDFC Gold Loan Rate Per Gram
The gold rate per gram considered by HDFC for its loans depends on the purity of gold being pledged. Here are the rates they are currently implementing:
Purity | Average Rate for per 10 Gram Gold for 30 days
| Eligible HDFC Gold Loan/Gram
| HDFC Lowest Gold Loan/Gram
|
18 Carat | 38,294 | 2,872 | 2,489 |
20 Carat | 42,548 | 3,510 | 2,766 |
22 Carat | 46,803 | 3,510 | 3,042 |
Eligibility for HDFC Gold Loan
The following requirements have been established by HDFC Bank for obtaining a gold loan:
Applicants must be between the ages of 18 and 75 and natives of India.
He or she must be a farmer, trader, business owner, salaried worker, or independent contractor.
Documents Required for HDFC Gold Loan
To obtain a gold loan from HDFC Bank, you would need to provide the following paperwork:
PAN card or Form 60
Passport
Passport-size photograph
Voters’ ID Card
Aadhaar card issued by UIDAI
Driving licence
Documents for proving an agri-allied occupation
Steps of the HDFC Gold Loan Process
Applying for a gold loan online is quite simple. Here's how to use the HDFC Bank website to apply for a gold loan:
Step 1: Go to HDFC Bank's official website.
Step 2: Select "Gold Loan" after selecting the "Borrow" tab.
Step 3: Select "Apply Online," which is a button in the lower left corner of the screen.
Step 4: Type in your birthdate and mobile number.
Step 5: To accept HDFC Bank's privacy policy, tick the first box. If you want HDFC Bank to get in touch with you about their other products, you can tick the second option.
Step 6: Finish the OTP authentication by clicking "Get OTP."
Step 7: Complete the application by entering your contact, income, and personal information.
Representatives from HDFC Bank will get in touch with you once your application has been submitted. They will help you select the best gold loan. To apply for a gold loan, you can also visit the HDFC Bank branch that is closest to you with your gold jewellery and the necessary paperwork. You should receive the loan within forty-five minutes of the application form being processed.
How to Pay HDFC Gold Loan Interest Online?
Here are the options you can explore to pay back your HDFC Bank gold loan:
The principal can be paid on maturity, while interest can be paid as the EMI over the loan period. You will not be required to pay the principal during the gold loan payback period if you want to pay it all at once.
Both principal and interest can be paid in installments. With this alternative, you can lower the amount owed on your loan by deciding when to pay.
You pay the principal and interest under bullet payback at the end of the loan tenure. It is referred to as "bullet repayment" since the loan is paid back in full.
With the EMI model, you adhere to a set schedule for paying the principal and interest. It is routinely taken out of your bank account at predetermined times. Professionals on salaries are the ideal candidates for this alternative.
Comparison Between the Gold Loan Interest Rates of Different Banks
Bank Name
| Interest Rate (% p.a.)
|
HDFC Bank | 9.00% – 17.00% |
Federal Bank | 8.50% – 12.00% |
Central Bank of India | 8.80% – 9.80% |
ICICI Bank | 10.00% – 17.00% |
Axis Bank | 9.50% – 16.00% |
Bank of India | 9.25% – 10.50% |
Canara Bank | 8.75% – 10.25% |
SBI | 8.75% – 9.50% |
Union Bank of India | 8.80% – 10.15% |
Indian Overseas Bank | 9.30% – 10.25% |
Punjab National Bank | 8.85% – 9.85% |
Bank of Baroda | 8.75% – 10.60% |
Conclusion
With loan amounts starting at Rs 25,000 and terms of up to 42 months, HDFC Bank provides Gold Loans. In rural areas, the minimum gold loan value is Rs 10,000. According to HDFC Bank, gold loans with triple-layer security for the gold provided as collateral can be disbursed in as little as 45 minutes. The bank provides its Gold Loan borrowers with bullet repayment, EMI-based loan repayment, and overdraft facilities. All things considered, you may maximise your gold holdings with the HDFC gold loan interest rate. You can use it to obtain a loan for your urgent or personal financial needs rather than having it sit in your locker. To find out how much of a loan you can receive for your gold and the EMI you will have to pay, go to HDFC Bank's online calculator.
FAQs
Q1. How to calculate the interest on an HDFC Bank gold loan?
The online EMI calculator offered by HDFC Bank can be used to determine the EMI. To get the EMI, you must input the loan amount and interest rate.
Q2. How can I apply for a gold loan from HDFC Bank?
You can apply online. To negotiate the loan, the bank staff will give you a call.
Q3. How to check the HDFC gold loan balance?
By signing into HDFC Bank's online banking system, you can view the balance of your gold loan. To check the balance of your gold loan, you will need to input your account details and access it using your login credentials.
Q4. How to check gold loan status in HDFC Bank?
You can check the status of your gold loan by going to HDFC Bank's online banking platform. To check the status of your gold loan, you will need to log in using your credentials.
Q5. How to close an HDFC gold loan?
By repaying the loan balance you owe, you can close a gold loan with HDFC Bank.
Q6. How can I renew a gold loan in HDFC Bank?
You can renew your gold loan online, just the way you applied for it the first time. To renew the gold loan, you will need to visit the online banking interface.
Q7. Can a gold loan be converted to a personal loan in HDFC Bank?
No, HDFC Bank does not allow you to convert a gold loan into a personal loan. You will need to submit a separate application if you wish to obtain a personal loan.
Q8. How can you contact HDFC Gold Loan customer care?
If you have any questions or concerns concerning your gold loans, you can contact HDFC Bank's customer service at 18002026161 or 18602676161.
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