HDFC Gold Loan / HDFC Gold Loan / RuLoan

HDFC Gold Loan


Call Us : 18002667576

HDFC Gold Loan OFFER!*

We understand that you deserve superior banking services and products. As your banking partner, we constantly strive to serve all your aspirations and needs better. That is why we bring you a unique advantage with HDFC Bank Gold Loan.

Get Loan at Interest Rate 1%* per Month

Special features

  • One month interest free on 2 year HDFC Gold Loan; overdraft facility available
  • Safety of gold ornaments with three layered lockers at over 1000 branches across India
  • Quick processing and disbursal with easy one page documentation process

The benefits that you enjoy are

  • Unique triple layered security ensuring the safety of your gold
  • Avail 1% addition discount for all women customers
  • Over the counter product with on the spot sanction and disbursal

Key Features of HDFC Bank Gold Loan Schemes

Repayment Options EMI Scheme, Bullet Repayment Scheme, Overdraft Scheme
Loan Tenure 6 months to 48 months
Minimum Loan Amount Rs. 10,000
Processing Fee Nil
Prepayment Charges Nil
Popular Products Sampoorna Bharosa Gold Loan

Sampoorna Bharosa Gold Loan in just 45* minutes

  • Loan Renewal

    Loan can be renewed at the end of the loan tenor.

  • Disbursement

    Credit into HDFC Bank Account or DD or RTGS / NEFT / cash disbursement upto 3 Lacs for external customers.

  • End use

    Agricultural, Business or Personal purpose. Cannot be used for purchase of Gold Coins, Gold Jewelry, purchase of land or any speculative purpose.

  • Repayment

    Minimum 6 Months, Maximum 4 Years or 48 Months

Gold loan is sanctioned by accepting the gold ornaments of the customer as pledge. Personal loan is sanctioned on the basis of source of income and repayment capacity of an applicant. It is true that Gold loans, like personal loans or credit card borrowings, are often used for short term household requirements. However, in terms of the cost and ease of availing the loan, and the convenience when repaying, gold loans are a better bargain. Personal loans and credit card borrowings are unsecured loans and therefore may carry a higher rate of interest. Moreover, personal loans require considerable effort in documentation formalities and they commit you to an inflexible EMI schedule for repayment. Gold loans, on the other hand, are cheaper and can be availed of in minutes. You can also stretch the repayment to your convenience; the only requirement is that you have to service the interest periodically. Credit card borrowings may be easier to avail than even gold loans but the interest rates are prohibitive and it can lure people into a debt-trap.

Anyone who owns gold ornaments can avail the loan. (Note: minors are not eligible.) To obtain the loan you need to submit your gold jewellery (within a karat range of 18 to 24 k) at the branch. The loan amount that is sanctioned will be based on the gold valuation which involves verification of its purity. The weight of stones etc. fixed on the ornaments will be deducted for the purpose of valuation.

Our gold loan products have a range from 6 months to 24 months.

Once you submit your application form and supporting documents, we shall give approval within a matter of minutes provided everything is in order. All loan approvals are at the sole discretion of the branch head.

  • Unique triple layered security for your gold
  • Spot sanction and disbursal
  • Additional 1% discount on Rate of Interest for Preferred customer
  • Special interest rate for women customers
  • Insurance cover for your loan

So go ahead, and get your dreams in motion with an HDFC Bank Sampoorna Bharosa Gold Loan today!

USP Target Segment
  • Quick
    Over the Counter Product –Loan disbursed in 45 minutes.
  • Easy
    One page documentation
  • Safe
    Unique 3 way sealing to ensure your gold is secure in our safety vault.
  • Smart
    Flexible Pricing and tenor for making a smart choice

Every Customer is an Eligible Gold Loan

However following are most prospective target segments :

  • Customers in urgent requirement of funds for their business purpose.
  • Customer in urgent requirement of funds for personal emergencies.
  • Additional funding to Home Loan customers for home renovation, home improvement, interiors, furniture etc.
  • Customers needing loan to bridge the shortfall in their PL / BL/ AL/ LAP.
  • Customers with Locker
  • Women customers
  • Farmer and Arthiyas
18-70 Years
Loan Tenor
6-24 months
Excluded Collateral
Mangalsutra, Raw Gold, Gold watches, Gold Coins and Gold Utensils
6 Months to 24 Months
Interest Rate
1% per month
Loan Amount
Minimum Rs. 10,000/-
Processing Fees
Pre-Closure Charges
No charges for 1 month
Documents Required
1 Passport size photo
Address Proof
Cancel Cheque(for other banks)