HDFC Gold Loan Interest Rate 2026: Processing Fee, Documents, Eligibility, How to Apply

The HDFC Gold Loan Interest Rate 2026 ranges between 9.30% and 17.86% per annum, making it a competitive secured borrowing option for individuals seeking quick liquidity against pledged gold ornaments. With structured repayment options and transparent valuation methods, HDFC Bank continues to be a preferred lender for gold-backed financing.

• Also Read: Live Gold Price Today

Gold loans are secured credit facilities where borrowers pledge gold jewellery as collateral and receive funds based on the current market value and purity of gold. Since the loan is backed by tangible security, approval is faster compared to unsecured personal loans. The final HDFC gold loan interest rate depends on borrower category, repayment structure, internal credit policies, and valuation outcomes.

• Also Read: Lowest Gold Loan Interest Rate in India

This detailed guide explains interest rates, per gram eligibility, agricultural segment pricing, maximum limits, eligibility requirements, and required documentation under the HDFC gold loan framework.

HDFC Gold Loan Interest Rate 2026 Highlights

Particulars	Details
Interest Rate	9.30% to 17.86% p.a.
Loan Tenure	Up to 24 months
Loan Amount	₹25,000 to ₹50 lakh (varies by gold purity and branch)
Processing Fee	Up to 1% of loan amount
Foreclosure Charges	Nil after 3 months; 2% if closed within 3 months
Repayment Mode	Term Loan, Overdraft, or EMI

Key Highlights Explained

• Interest Rate Range: The HDFC gold loan interest rate starts from 9.30% per annum and may go up to 17.86% depending on borrower profile, repayment method, and internal bank assessment criteria.
• Flexible Loan Tenure: Borrowers can choose repayment tenures extending up to twenty-four months, allowing structured financial planning aligned with income patterns and reducing repayment pressure during short-term liquidity requirements.
• Wide Loan Amount Bracket: Loan eligibility begins from ₹25,000 and may extend up to ₹50 lakh or more depending on purity, weight, and branch-level exposure policies.
• Processing Fee Structure: Processing charges can be up to one percent of the sanctioned loan amount, depending on scheme selection and operational guidelines applicable at sanction time.
• Foreclosure Flexibility: No foreclosure charges apply after three months, while early closure within three months may attract a nominal two percent penalty fee.
• Multiple Repayment Modes: Borrowers may select from EMI, term loan, or overdraft repayment structures depending on income stability and repayment capacity assessment.

HDFC Gold Loan Interest Rate 2026 (Detailed Structure)

Product	Minimum	Maximum	Average
Gold Loan	9.30%	17.86%	11.91%

• Must Know: Gold Rate Prediction for the Next 5 Years in India

Interest Rate Insights

• Minimum Rate Eligibility: The lowest HDFC gold loan interest rate is generally available to borrowers with strong repayment capacity and optimal gold valuation under internal credit norms.
• Maximum Rate Application: Higher interest rates may apply depending on loan structure, repayment flexibility selected, and risk-based pricing policies determined during sanction evaluation.
• Average Lending Segment: The average effective interest rate reflects mid-tier borrowers whose repayment profile and valuation metrics fall within standard lending criteria.
• Repayment Structure Impact: Choice between EMI, overdraft, or bullet repayment influences effective cost structure and interest accrual over loan tenure.
• Risk-Based Pricing Model: HDFC applies internal risk assessment mechanisms to determine final interest rate within the approved pricing band.

HDFC Gold Loan Rate Per Gram

Gold Purity	30-Day Avg Rate (Per 10g)	Eligible Loan Per Gram	Lowest Loan Per 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

Note: Final loan eligibility depends on prevailing gold rates, purity verification, and regulatory loan-to-value norms.

Per Gram Valuation Explained

• Purity-Based Eligibility: Higher purity gold such as twenty-two carat typically qualifies for higher per gram loan eligibility compared to lower purity eighteen carat ornaments.
• Market Rate Dependency: Daily fluctuations in gold prices directly influence per gram valuation and final sanctioned loan amount during appraisal.
• Net Weight Consideration: Stones, beads, and non-gold elements are deducted before calculating final eligible gold weight for loan sanction.
• LTV Norm Compliance: Loan-to-value ratio follows RBI guidelines, ensuring maximum sanction does not exceed permitted percentage of gold market value.
• Branch-Level Final Approval: Exact per gram sanction is confirmed only after physical appraisal and internal verification by branch authorities.

HDFC Gold Loan Interest Rate for Farmers

The HDFC gold loan interest rate for farmers falls within the broader 9.30% to 17.86% range, depending on scheme and repayment model selected.

Agricultural Segment Insights

• Purpose-Based Lending Support: Agricultural borrowers may use funds for crop production, irrigation, working capital, or allied farming operational requirements.
• Harvest-Aligned Repayment: Flexible repayment options, including bullet repayment, align with seasonal income cycles common in agricultural activities.
• Gold Valuation Determines Limit: Loan amount depends entirely on purity, net weight, and current market valuation at appraisal time.
• Interest Within Standard Band: Agricultural gold loans follow the standard HDFC gold loan interest rate structure without separate pricing bands.
• Short-Term Liquidity Advantage: Gold loans offer regulated financing alternative compared to informal credit sources in rural regions.

HDFC Gold Loan Appraiser Charges

Appraiser charges are fees levied for professional gold valuation and purity testing before loan sanction.

Appraisal Charge Details

• Professional Purity Verification: Appraisers conduct detailed gold testing using standardized methods to confirm karat purity and net gold weight accurately.
• Charges Based on Loan Size: Appraisal fees may vary depending on pledged gold value and total sanctioned loan amount category.
• Mandatory Pre-Sanction Process: Gold appraisal is compulsory before disbursal and forms the foundation for final loan eligibility calculation.
• Transparent Evaluation Mechanism: Standardized valuation practices reduce disputes between borrower and bank regarding sanctioned amount.
• Nominal Cost Component: Appraiser charges generally represent a small fraction of the total borrowing value.

HDFC Gold Loan Maximum Limit

• Minimum Loan Threshold: Borrowers can avail a minimum of ₹25,000, while rural customers may access loans starting from ₹10,000.
• No Fixed Maximum Cap: HDFC Bank does not prescribe a strict upper limit; sanction depends on gold purity, weight, and branch policy.

Maximum Limit Insights

• Gold Value Determines Sanction: Higher pledged gold value directly increases total loan eligibility subject to LTV norms.
• Branch Risk Policy Applies: Large exposure approvals depend on internal credit policy and regulatory compliance requirements.
• Rural Access Encouraged: Lower minimum threshold supports small-ticket borrowing in rural and semi-urban areas.
• LTV Compliance Mandatory: Regulatory guidelines limit maximum loan to permitted percentage of total gold market value.
• Collateral-Driven Flexibility: Since gold serves as security, higher collateral value enables proportionally higher sanction amounts.

HDFC Gold Loan Eligibility Criteria

• Age Requirement: Applicants must be Indian residents aged between eighteen and seventy-five years at the time of loan application submission.
• Occupation Eligibility: Salaried professionals, traders, businesspersons, farmers, and self-employed individuals are eligible to apply under standard gold loan categories.
• Ownership of Gold: Borrower must legally own the pledged gold ornaments presented for collateral evaluation and sanction processing.
• Purity Compliance: Gold jewellery pledged must meet acceptable purity standards, generally ranging between eighteen to twenty-two carats.
• Identity Verification: Valid KYC documentation is mandatory to complete regulatory compliance and proceed with loan sanction approval.

Documents Required for HDFC Gold Loan

• Photograph Submission: Recent passport-size photograph must be submitted along with the loan application form for identification purposes.
• PAN or Form 60: PAN card is required for financial compliance; Form 60 may be accepted where PAN is unavailable.
• Identity Proof: Valid Aadhaar card, passport, voter ID, or driving licence must be submitted for identity verification.
• Address Verification: Supporting address proof such as Aadhaar or utility bill may be required for confirmation.
• Agricultural Proof (If Applicable): Agricultural borrowers opting for bullet repayment may need to submit occupation proof documentation.

HDFC Gold Loan Processing Fee

HDFC Bank charges a processing fee for evaluating, verifying, and sanctioning the gold loan application.

• Processing Fee Percentage: The HDFC gold loan processing fee can go up to one percent of the total sanctioned loan amount, depending on branch-level and scheme-specific policies.
• Charge Applied at Sanction Stage: Processing charges are typically deducted or collected at the time of loan disbursal and reflected in the final loan documentation.
• Non-Refundable Nature: Processing fees once paid are generally non-refundable, even if the borrower chooses early closure or part-prepayment.
• Scheme-Dependent Variation: Certain promotional schemes or agricultural categories may have marginally adjusted processing charges subject to internal approvals.
• Impact on Effective Cost: Borrowers should consider processing charges when calculating overall borrowing cost beyond the stated HDFC gold loan interest rate.

HDFC Gold Loan Interest Rate Calculator

HDFC Bank provides access to online EMI and interest calculators to help borrowers estimate repayment obligations.

• Accurate EMI Estimation: The gold loan EMI calculator helps borrowers estimate monthly instalments based on loan amount, interest rate, and selected tenure.
• Tenure-Based Cost Planning: By adjusting repayment tenure in the calculator, borrowers can compare how longer durations increase total interest payable.
• Interest Burden Transparency: The calculator displays approximate total interest outgo, enabling better financial planning before final loan confirmation.
• Pre-Sanction Decision Tool: Borrowers can use the tool before visiting the branch to determine affordable borrowing limits.
• No Registration Required: Online calculators are freely accessible without login credentials, making preliminary planning convenient and quick.

HDFC Gold Loan Repayment Options

HDFC provides multiple repayment structures under the HDFC gold loan interest rate framework, offering flexibility across income categories.

Repayment Structures Explained

• EMI Repayment Mode: Borrowers repay both principal and interest in fixed monthly instalments, providing predictable repayment scheduling and structured budgeting convenience.
• Interest-Only EMI Option: Under this method, borrowers pay periodic interest instalments while repaying the principal amount at the end of tenure.
• Bullet Repayment Structure: Borrowers repay entire principal and accumulated interest in a single lump sum at the end of the loan tenure.
• Partial Prepayment Facility: Borrowers may reduce outstanding principal during tenure, lowering overall interest burden and shortening repayment duration.
• Overdraft Repayment Flexibility: Under overdraft structure, interest is charged only on utilized amount, offering liquidity flexibility for business or working capital needs.

Each repayment option directly influences the effective borrowing cost under the HDFC gold loan interest rate.

How to Apply for Gold Loan in HDFC Bank?

HDFC Bank offers both online and offline application methods.

Online Application Process

• Visit Official Website: Applicants must access HDFC Bank’s official website and navigate to the gold loan section under borrowing products.
• Complete Digital Form: Enter mobile number, date of birth, and personal details to initiate application under secured loan category.
• OTP Authentication: Verify identity through one-time password authentication sent to registered mobile number during application process.
• Submit Income and Contact Details: Provide occupation, income information, and preferred branch location for further processing.
• Branch Visit for Gold Appraisal: After digital submission, applicants must visit branch with gold ornaments for purity testing and final sanction.

Offline Application Process

• Visit Nearest Branch: Borrowers can directly visit the nearest HDFC Bank branch carrying eligible gold ornaments and identity documents.
• Fill Application Form: Complete the gold loan application form with accurate personal and occupation details.
• Gold Purity Testing: Bank conducts appraisal and purity testing using standardized valuation methods.
• Loan Sanction Confirmation: Based on gold value and documentation, the bank approves eligible loan amount.
• Quick Disbursal Timeline: Loan amount is typically disbursed within approximately forty-five minutes after approval.

How to Close Gold Loan in HDFC?

Loan closure is simple once outstanding principal and interest are fully repaid.

• Complete Outstanding Payment: Borrower must clear total principal and accrued interest amount before initiating closure request.
• Submit Closure Request: Formal request for loan closure must be submitted at branch or through banking channel.
• Foreclosure Charges Consideration: Closure within first three months may attract two percent penalty, while later closure is charge-free.
• Collect Pledged Gold: After repayment confirmation, pledged gold ornaments are released to borrower.
• Obtain No Dues Certificate: Borrower should collect formal acknowledgement confirming loan account closure.

How To Pay Gold Loan Interest In HDFC Online?

• Net Banking Access: Borrowers can log into HDFC net banking portal to make gold loan repayments digitally.
• Auto Debit Facility: EMI payments may be automatically deducted from registered savings account on scheduled dates.
• Manual Online Payment: Customers can manually transfer interest or principal payments through digital banking interface.
• Overdraft Payment Option: Overdraft users can deposit funds anytime to reduce utilized balance and minimize interest.
• Digital Confirmation Receipt: Online payments generate instant confirmation for transaction reference and record keeping.

HDFC Bank vs Other Banks’ Gold Loan Interest Rates

Comparing lenders helps borrowers understand how the HDFC Bank Gold Loan Interest Rate stands among competing lenders. While HDFC Bank is known for faster processing and digital convenience, borrowers should also examine processing fees, tenure flexibility, loan-to-value ratios, and repayment options before making a final decision.

Bank Name	Interest Rate (% p.a.)
Federal Bank	8.15% – 22.90%
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%
HDFC Bank	9.00% – 17.00%

Comparative Insights

• HDFC offers fast digital loan processing: Borrowers benefit from quick approvals and convenient online servicing options.
• Interest rate range may be wider: Premium service levels may come with higher upper-limit interest rates.
• Public banks usually provide lower caps: Government lenders often offer lower maximum rates for secured borrowing.
• Borrowers should compare total cost factors: Processing charges and foreclosure terms impact total repayment significantly.
• Comparison improves financial planning: Evaluating multiple lenders helps borrowers reduce borrowing costs effectively.

HDFC Gold Loan Customer Care

For queries related to HDFC gold loan interest rate or application:

• 18002026161
• 18602676161

Customer support assists with loan status, repayment clarification, foreclosure queries, and documentation guidance.

Final Thoughts

HDFC Bank gold loans in 2026 come with interest rates typically ranging from 9.00% to 17.86% per annum, depending on tenure, borrower eligibility, and scheme selection. With streamlined documentation and quick approval, HDFC provides convenient secured lending solutions. Reviewing the HDFC Bank Gold Loan Interest Rate, processing charges, foreclosure conditions, and repayment flexibility helps borrowers evaluate the total borrowing cost before pledging their gold assets.

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