Gold Loan
Gold Loan Introduction
Fulfil your needs on your own with HDFC Bank Gold Loan which allows you to get funds in 45 minutes!
The HDFC Bank Gold Loan is your definitive solution to meet your imperative financial needs. Whatever your reason may be, education, business expansion, personal requirement, medical crisis or any other specified end-use, our Loan against Gold is all you need.
In volatile times and during a contingency you can take a Loan on Gold, for any use other than to purchase jewellery.
Gold is a valuable asset, and with it comes surety and stability, so why not let it work for you? With minimal documentation and quick disbursal, a Gold Loan is a seamless solution. You can avail a Loan against Gold at any time. Our flexible tenure and repayment options ensure that your monthly outgoings are within your budget.
Make the most of your idle gold with HDFC Bank’s attractive gold loans. Get a loan in 45 minutes over the counter with minimal documentation and transparent charges.
Quick, Convenient & Safe Gold Loans
45 min disbursements
Enjoy super quick disbursals
Overdraft facility
Just pay interest for the amount utilized
Secure gold loan
Triple layer security for your gold
HDFC Gold Loan Feature
| Gold Loan Offering | Term Loan, OD and Bullet repayment available | Gold Loan Interest | HDFC Bank Gold Loan comes with competitive interest rates on Term Loan, Overdraft and EMI based loan. Repay your loan in easy lower EMIs, over a tenor of your choice. |
| Gold Loan Tenure | Gold Loans is available for tenures starting from 3 months up to 24 months. |
| Gold Loan Repayment | Repay only the interest on the loan every month |
| Enjoy monthly outflow as low as ₹ 1,000 per lakh (based on an indicative rate of 12% pa) | |
| Repay the interest and principal after 1 year in case of bullet repayment | |
| Gold Loan Processing | Fastest Turnaround |
| Enjoy simple documentation and speedy disbursals | |
| Pay no hidden charges and experience a completely transparent process | |
| Gold Loan Amount | Get loans starting at ₹ 25,000 (Minimum loan amount of ₹ 10000/- available in rural markets) |
Note: GST and other Government taxes, levies etc. applicable as per the prevailing rate will be charged over and above the Fees and Charges
All fixed-rate loans up to Rs 50 lacs, availed by Micro and Small Enterprises, will not be charged with foreclosure and Prepayment charges provided the same has been closed/part paid from own source of funds
NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursal
Loan at the sole discretion of HDFC Bank Ltd.
*T&C- Loan Approval and ROI at the sole discretion of HDFC Bank Ltd
HDFC Gold Loan Documentation
| Requirements | Submit any one of the following: |
| Passport (Not expired) | |
| Driving license (Not expired) | |
| Voters’ ID Card | |
| Aadhaar Card issued by UIDAI | |
| PAN (Permanent Account Number) Card (along with any of above-mentioned documents) or Form 60 | |
| One Passport Size Photograph | |
| Agri Allied Occupation Documentation( in case of bullet repayment for agriculture customers) |
Note: *Loan to be granted for agricultural/business/personal purposes only. Loan cannot be availed for the purchase of gold coins, jewels or jewellery, land or any speculative purposes. Loan approval is at sole discretion of HDFC Bank.
Paisso.com Grievance Redressal Cell Banking Digital Products |
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| Details of Paisso Grievance Redressal Officer for Banking Products | Mr. Satnam Kumar (Grievance Redressal Officer) Grievance Redressal Cell, C-127, 1st Floor, Phase,- 8, Industrial Area, Mohali - 160071 |
| Call – +91 9910417197 / 9855484488 Available Monday to Saturday 9:30 am to 5:30 pm | |
| This facility is not available on 2nd and 4th Saturdays, all Sunday and Bank Holidays | |
| Customer can reach out to us to withdraw the consent | Mail us at: consent@paisso.com |
| Customer awareness | Paisso.com does not charge any fee directly or indirectly to the customer for providing Gold Loan, in case you receive a call, SMS or any kind of communication from someone claiming to be a Paisso.com representative and asking for any kind of fee/charge/money compensation in return of a loan, please alert us on: alert@paisso.com |
HDFC Bank Grievance Redressal Cell |
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Field Name |
Link |
| Product Feature | https://www.hdfcbank.com/personal/borrow/loan-against-assets/gold-loan |
| Fees, Charges & APR | https://www.hdfcbank.com/personal/borrow/loan-against-assets/gold-loan/fees-and-charges |
| Details of HDFC Bank Grievance Redressal Officer for Digital Lending Products | Mr. Mehernosh Dhamodiwala (Grievance Redressal Officer) Grievance Redressal Cell, HDFC Bank Limited, 1st Floor, Empire Plaza - 1, Lal Bahadur Shastri Marg, Chandan Nagar, Vikroli West, Mumbai – 400083 |
| Call – 1800 266 4060 – Available Monday to Saturday 9:30 am to 5:30 pm | |
| This facility is not available on 2nd and 4th Saturdays, all Sunday and Bank Holidays | |
| Nodal Officers | https://www.hdfcbank.com/personal/useful-links/our-corporate-commitment/nodal-officers |
| Sachet Portal | https://sachet.rbi.org.in/Complaints/Add, |
| RBI Portal (CMS) | https://cms.rbi.org.in/ |
| Customer Care | https://www.hdfcbank.com/personal/need-help/customer-care |
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