HDFC Gold Loan, Gold Loan in India - Ruloans

What is Gold Loan?

Gold loan is a type of secured loan. It is a new and trending concept in Indian loan sector. Many people in India own gold as it is considered as a symbol of success and fortune. Often people do not use gold ornaments regularly and they are kept at home or in bank lockers for safety. But instead of keeping the gold ornaments there, you can mortgage them to a bank or an NBFC and get a loan against it with tempting interest rates. Keeping your gold ornaments as collateral for loan is known as 'Gold Loan'. It is the fastest way to get loan and is also very easy as it does not require a plethora of documents. Along with ornaments you can also keep gold coins as collateral. These gold loans are usually taken for short tenures as per the applicant's needs. The lenders design the repayment process and EMI's according to the borrower's needs. Gold loans are popular in urban as well as rural areas equally.

Why to Choose an HDFC Gold Loan?

  1. No Financial requirement up to Rs 15 Lacs even for Non HDFC Bank customers.
  2. Only Bank to fund Partnership Firm/Private Limited Companies other than Individual (Jewellery belonging to Family of Partners/directors/Firm/Company).
  3. Hassle free renewal without visiting the branch. Renewal will be subject to credit decision.
  4. Minimum utilization of 20% on a monthly basis to avoid commitment charges.
  5. HDFC offers gold loan under their 'Sampoorna Bharosa Gold Loan' scheme where the tenure is decided on the quality of gold and the amount disbursed. Tenure of HDFC gold loan ranges from 6 months to 4 years.
  6. To avail HDFC gold loan you need minimum documents. HDFC gold loan interest rate starts from 9.70% and goes up to 20.18%. These are the lowest interest rate available. But commonly the HDFC gold loan interest rate falls between 12% to 13%.
  7. HDFC offers extremely flexible and many times customized repayment options. Borrower can start by paying interest rate and pay the principal amount at the end of the tenure. Also the borrower can make pre-payments in a few installments.
  8. HDFC gold loans are approved and disbursed quickly. They can be approved within an hour and the borrower can get the loan money quickly. Thus those who require funds quickly, gold loans acts like a savior for them.

What are the features of HDFC Gold Loan?

What are the Eligibility Criteria to avail HDFC Gold Loan?

The borrowers do not need any hefty eligibility criteria to avail a gold loan via HDFC. The minimum eligibility criteria are given below:

1. The borrower should own gold.

2. The gold coin or ornament to be kept as collateral should be above 18 karats.

3. The borrower should have a steady income to pay off the loan on time.

4. The borrower should have a good CIBIL score.

What are the Documents Required to avail HDFC Gold Loan?

1. Neatly signed and filled HDFC gold loan application form.

2. Passport-size photographs.

3. Identity and signature proof - Passport, Pan card, Driving License, Voter ID card, Aadhar card, employee identity card in case of government employees.

4. Address Proof - Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/electricity/water/credit card bill or Property tax.

5. Two post dated cheques for security purpose.

Why Choose Ruloans To Apply For HDFC Gold Loan?

Ruloans is India's fastest growing financial distributors. A comprised team with mammoth experience in finance and internally developed highly proficient Loan Calculator algorithm, we are pledged to offer solutions to all your financial needs. Borrowers can apply for HDFC gold loan with Ruloans' latest online application process. We help you borrow right.

Hassle free process
We have developed an efficient, smooth and easy process for our consumers to get HDFC gold loan. Our easy to use online procedure allows consumers to upload their documents quickly. Our highly proficient Loan Calculator also guides the consumers to embark on a hassle free process.

Benefits of applying with us
We value our consumers and are always on our toes to give them benefits of our expertise. Applying for HDFC gold loan with us, gives you a chance to avail the best offers and deals from our partner HDFC.

Compare your loan options
You can compare interest rates, offers and services on our online portal. This will guide you to make the right choice and choose the right lender for your loan as per your budget.

Free expert guidance and advice
Our financial experts are always ready to give you the perfect advice. These highly trained professionals in finance know the back and forth of the industry. Our dedicated team of experts will help you at any given time, without charging a dime.

Privacy policy
Ruloans understands the value of your documents and keeping them safe and secure. Hence be rest assured as your loan applications are processed electronically with complete privacy and transparency.

How to Apply For HDFC Gold Loan on Ruloans?

Applying for HDFC gold loan on Ruloans involves few easy steps:


Yes, you can repay the HDFC Gold loan ahead of schedule.

Yes you can track your application via SMS and email. We also provide the facility to track your application on our website via login menu.

For your loan-related queries, you can call our representative on 1800 2667576 or mail us at