⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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HSBC Bank Gold Loan

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HSBC Bank Gold Loan features – Apply Now

HSBC Bank Gold Loan Interest Rate 7.0% per annum
HSBC Bank Gold Loan Rate Per Gram
Rate Per Gram is ₹ 5,121
HSBC Bank Processing Fee
0.75% of the Principal Loan Amount
HSBC Bank Maximum Loan Amount
Up to Rs. 50 lakh
HSBC Bank Minimum Loan Amount
75% LTV
HSBC Bank Gold Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
HSBC Bank Gold Repayment Tenure
Up to 36 Months
HSBC Bank Gold Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

About HSBC Bank Gold Loan

HSBC (Hongkong and Shanghai Banking Corporation) was established in 1865. It is a British MNC banking and financial services organization, headquartered in London. It has around 7,500 offices in 90 countries and around 90 million customers. It provides Instant Loan Against Gold. Gold Loan is taken to overcome the short term requirements of a person.

What is HSBC Bank Gold Loan?

HSBC Bank Gold Loan

Gold is one of the most precious and costly metals in India. Its value in our lives cannot be ignored because every person is attached to it emotionally. However, what is the point of keeping your gold in a closed drawer when it can help you in times of emergency? Taking a Loan Against Gold can help you to overcome any drastic situation Gold Loan is the best way to get cash in a short span.

Why HSBC Gold Loan?

HSBC Bank Gold Loan is a global market leader in dealing with Gold Loans and precious Metals trading. It is the only financial institute with membership in all categories of the precious metals fixings: Gold, Silver, Platinum and Palladium. HSBC group offers precious metals consignments and can help provide you with hedging strategies for your business.

HSBC Bank is a market leader in the provision of financial services. It provides a large number of loans and investments to the people. Gold Loan is one of them. A Loan against Gold provides finance in exchange for mortgaging of one’s gold ornaments or jewellery. Most of the people own gold and can avail instant finance by this means.

It is of note to compare the products before buying them to avoid regretting your choice later. This is because financial security is more important than just investing. A Loan against Gold is a very suitable finance type as the interest rates on them are lower as compared to other funds.

Advantages of HSBC Bank Gold Loan

Advantages of HSBC Bank Gold Loan via Dialabank

  • HSBC Bank Gold Loan can be used for various purposes. The amount that will be disbursed can be used for any personal or business needs.
  • HSBC Bank Gold Loan offers fast approval to applications from its pre existing account holders.
  • The Bank gives Up to 70% LTV on the Gold pledged.
  • HSBC Bank Gold Loan comes with low rate of interest and less processing fee.
  • The Bank Gold Loan comes with no hidden charges and does not need a guarantor.
  • HSBC Bank Gold Loan charges a borrower up to .50% on the principal outstanding amount in case of a Gold Loan Foreclosure.

HSBC Bank Gold Loan Procedure

  1. Initialize the process by applying online for Gold Loan.
  2. Following this, the Applicant will have to submit an application with the gold to be given as collateral.
  3. Banks then evaluate the worth of the provided gold by its weight and purity.
  4. The loan is sanctioned after the complete process is completed.

Uses of HSBC Bank Gold Loan

  • For personal expenses like vacation etc.
  • Payment of Tuition fee
  • Finance business needs like buying inventory, plant, etc.
  • HSBC Bank Gold Loan can be used to expand your business
  • Gold against the loan for agricultural purposes.

HSBC Bank Agricultural Jewel Loan Scheme

Scheme Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7% (depends on the sum of the loan
Least amount of Loan Depends on the value of  jewel which is being kept as security
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits of HSBC Bank Agricultural Jewel Loan Scheme

  • No processing fee is applicable up to ₹ 25,000
  • 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹  25,000 – less than ₹ 5 lakh
  • 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore

HSBC Bank Gold Loan Overdraft Scheme

HSBC Bank gives an Overdraft facility that works similar to that of a Credit Card. The money is spent, as per the need of the borrower. The overall loan amount comes with a Credit/Loan Limit. The bank only charges interest on the amount that is withdrawn.

FAQs About HSBC Bank Gold Loan

✅ What is HSBC Bank Gold Loan?

HSBC Bank Gold loan is provided against gold having a minimum purity of 18 Carats. The Gold Loan amount is used by the borrower as per their needs.

✅ How much Gold Loan Can I get per gram from HSBC Bank?

The Gold Loan rate per gram from HSBC Bank depends upon the quality of the gold and current rates of gold in the market. The HSBC Bank Gold Loan Rate Per Gram is Rs.5,340.

✅ What is the Gold Loan interest rate in HSBC Bank?

HSBC Bank’s Gold Loan interest rate starts at 7.0% per annum.

What is HSBC Bank Gold Loan Overdraft Scheme?

HSBC Bank gives an Overdraft facility that works similar to that of a Credit Card. The money is spent, as per the need of the borrower. The overall loan amount comes with a Credit/Loan Limit. The bank only charges interest on the amount that is withdrawn.

What is the foreclosure procedure for HSBC Bank Gold Loan?

HSBC Bank foreclosure charges is 0.50% of the principal amount.

What is the HSBC Bank Gold Loan closure procedure?

The HSBC Bank Gold loan account will only close after the payment is done in full.

✅ What is HSBC Bank Gold Loan Preclosure charges?

The Bank preclosure charges are 2%+GST (Within 3 Months), 0 (After 3 months)

 What is the maximum gold loan tenure?

The maximum HSBC Bank Gold loan tenure is 36 months.

 What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months in HSBC Bank.

What is the customer care number for RBL Bank Gold Loan?

All the queries regarding RBL bank is answered at 9878981144 .

* For any assistance regarding Gold Loan, call us on 60011600, our trained Relationship Managers will provide you with the best information.

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