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HDFC Bank
✓ YesUpdated 2026-09-01HDFC Bank Gold Loan
HDFC Bank✓ Product information verified · 2026-09-01
Secured funding against eligible gold jewellery with term, OD and bullet options.
11.91% p.a.Interest Rate
—Maximum Loan Amount
6–42 MonthsRepayment Tenure
Maximum 1% of disbursal amount + taxesProcessing Fee
Takes less than 2 minutes · Compare before you apply · Final approval depends on lender criteria
Best ForUrgent liquidity against eligible gold
Not Ideal ForApplicants without eligible gold
Where It Stands OutCompare rate, total borrowing cost, amount, tenure, eligibility, security and prepayment terms together
▣Loan TypeGold Loan
◉Interest Rate11.91% p.a.
▤Processing FeeMaximum 1% of disbursal amount + taxes
◷Disbursal TimeVaries by lender
◈Tax BenefitCheck applicable rules
AT A GLANCE
Key details before you apply
Loan purposeLoan
Rate typeFixed
CollateralEligible gold jewellery
Repayment period42
Processing feeMaximum 1% of disbursal amount + taxes
Interest rates, fees, eligibility and limits can change. Check the official lender terms before applying.
✓ Best For
- Urgent liquidity against eligible gold
- Loan applicants who meet the stated criteria
× Not Ideal For
- Applicants without eligible gold
- Applicants whose requested amount or tenure falls outside scheme limits
★ Where It Stands Out
- Compare rate, loan amount and repayment tenure together
- Review security, margin and fees before applying
BENEFITS
Top benefits of HDFC Bank Gold Loan
Term loan, overdraft and bullet repayment; flexible tenure.
ELIGIBILITY
Who can apply?
Borrower and gold collateral criteria apply.
CALCULATOR
EMI Calculator
Estimated EMI₹0 / monthIndicative calculation only.
Official source: https://www.hdfc.bank.in/gold-loan/interest-rates-and-charges · Last verified 2026-09-01