HDFC Gold Loan Interest Rate 2026: Processing Fee, Documents Required, Eligibility, How to Apply
HDFC Gold Loan Interest rate is one of the most flexible and competitive options for borrowing against gold. The interest rates vary based on the borrower's profile. The HDFC gold loan interest rates are suitable for urgent financial needs, business expenses, or farming requirements.
HDFC Gold Loan Interest Rate 2026 Highlights
| Particulars | Details |
| Interest Rate | 9.30% to 20.05% p.a. |
| Loan Tenure | 3 months up to 42 months (varies by scheme) |
| Loan Amount | Minimum ₹25,000 (₹10,000 for rural/agri segments); No ceiling limit |
| Processing Fee | Up to to of the sanctioned loan amount + applicable GST |
| Foreclosure Charges | Typically to if closed within 3–6 months; Nil thereafter |
| Repayment Mode | Term Loan, Bullet Repayment, Overdraft Facility, or Standard EMI |
HDFC Gold Loan Interest Rate 2026
Take a look at the table to understand HDFC gold loan interest rates for customers to consider while applying for a loan:
| Product | Minimum Interest Rate | Maximum Interest Rate | Average Interest Rate |
| Gold Loan | 9.30% | 17.86% | 11.91% |
HDFC Gold Loan Rate Per Gram
Here is the table that shows you the approximate gold loan rate per gram that HDFC Bank follows:
| Gold Purity | 30 Days Average Rate per 10g Gold | Eligible Loan Amount (HDFC Gold Loan/Gram) | HDFC Lowest Gold Loan/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: Please note that the table above explains that HDFC Bank calculates your loan eligibility as per gold rate per gram for gold of different purity.
HDFC Gold Loan Interest Rate for Farmers
Borrowers who are farmers and are involved in agricultural or related activities and posses gold ornaments or jewellery can apply for an Agriculture Loan against Gold Security.
| Feature | Details |
| Interest Rate Range | 9.10% – 19.00% p.a. |
| Average HDFC Bank Gold IRR | ~11.17% |
| Loan Amount | Up to ₹50 lakh |
| Tenure | Up to 24 months |
| Processing Fee | Up to 1% of the disbursal amount (+ applicable taxes) |
| Repayment Option | Harvest-aligned repayment |
| EMI Flexibility | Bullet repayment and flexible EMI structures aligned with seasonal agricultural income cycles |
| Loan Types Available | Term Loan, Overdraft Facility, or EMI-based loan |
| Priority Benefits | Purpose-based lending for crop production, irrigation, or allied farming |
HDFC Gold Loan Appraiser Charges
Appraiser charges for gold loans are the payments made to lenders for analyzing the worth of the pledged gold. It is important to understand that the appraiser charges for the HDFC Bank gold loan may vary among individuals based on their gold holdings.
HDFC Gold Loan Maximum Limit
The minimum limit for each borrower availing the HDFC Bank gold loan is ₹25,000 (₹10,000 in rural areas). However, no maximum limit is prescribed by the bank.
HDFC Gold Loan Process
Here’s how to apply for a gold loan from HDFC Bank’s website:
Step 1: Visit the official website of HDFC Bank.
Step 2: Click on the ‘Borrow’ tab and then click on ‘Gold Loan’.
Step 3: Click on ‘Apply Online’ button available at the bottom left corner of the screen.
Step 4: Enter mobile number and date of birth.
Step 5: Check the 1st box to accept HDFC Bank’s privacy policy. Users have option to check the 2nd box if wanted to be conatcted by HDFC Bank about the other products offered.
Step 6: Click on ‘Get OTP’ and complete the OTP authentication.
Step 7: Fill up the personal, contact, and income details and submit the application.
HDFC Bank representatives will contact after submitting the application. They will assist in choosing the right gold loan.
Borrowers also have an option visit the nearest HDFC Bank branch with gold ornaments and relevant documents to apply for a gold loan. Borrowers will get the loan in 45 minutes once the application is processed.
HDFC Gold Loan Eligibility Criteria
HDFC Bank has laid down the following criteria for availing a gold loan:
- Applicants must be Indian residents between the ages of 18 and 75.
- He/she must be a businessperson, trader, farmer, salaried or self-employed individual.
Documents Required for HDFC Gold Loan
You would have to submit the following documents to get a gold loan from HDFC Bank:
- Passport-size photograph
- PAN card or Form 60
- Passport
- Driving licence
- Voters’ ID Card
- Aadhaar card issued by UIDAI
- Documents for proving agri-allied occupation. This would be required for bullet repayment by agriculture customers.
HDFC Gold Loan Processing Fee
While applying for a gold loan, the bank charges a certain fee for processing your request. The HDFC gold loan processing fee is 1% of the loan amount.
HDFC Gold Loan Interest Rate Calculator
If the borrower is new to gold loans, it is always advisable to calculate the interest against your loan to proceed with financial planning accordingly. The borrower can use HDFC Bank’s online gold loan EMI calculator or any online free gold loan interest calculator to see how much interest have to paid every month.
How to Pay Gold Loan Interest In HDFC Online?
There are four ways repay the HDFC Bank gold loan:
I. Pay Interest as EMI and Principal Later
You can pay the EMI as per the schedule and the principal after the maturity of your gold loan. The principal can be paid in a single payment, meaning you will not have to pay the principal during the gold loan repayment period.
II. Partial Payment
In this case, to pay the interest and principal in instalments. The borrowers can decide when to make the payment, which helps to reduce the outstanding loan amount by paying the principal at the outset. This can also reduce the interest that is yet to pay, as it is calculated on the total outstanding loan amount.
III. Bullet Repayment
Under bullet repayment, pay the interest and the principal at the end of the gold loan’s tenure. If the loan is repaid with a single payment, it is called bullet repayment.
IV. EMI
In this situation, pay both the interest and the principal as per a fixed schedule. It is debited regularly from the borrower's bank account at fixed intervals. This option is best suited for salaried professionals.
How to Close Gold Loan in HDFC?
Borrowers can close the gold loan in HDFC Bank by repaying the loan amount. The loan against gold can be repaid through EMIs every month. If the Bullet repayment facility is chosen, the borrowers will have to repay the interest and principal amount after one year.
HDFC Bank vs Other Banks' Gold Loan Interest Rates
Take a look at the comparision tabof HDFC Bank and other Banks' Gold Loan Interest Rates:
| Bank Name | Interest Rate (% p.a.) |
| HDFC Bank | 9.00% – 17.00% |
| Federal Bank | 8.50% – 12.00% |
| 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% |
| State Bank of India (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 Gold Loan Customer Care
Give a call to HDFC Bank’s customer care numbers 18002026161 or 18602676161 to resolve queries and issues about gold loans.
Final Word
Overall, HDFC Bank gold loans provide a convenient way to unlock the value of idle gold and meet personal or emergency financial needs. With competitive interest rates, flexible repayment options, and quick processing, borrowers can easily access funds when required. Users can also visit the bank’s online gold loan calculator to estimate the eligible loan amount and monthly EMI based on their gold value.
Other Banks Gold Loan Interest Rates:
1. ICICI Bank Gold Loan Interest Rate
2. Canara Bank Gold Loan Interest Rate
3. Bank of Baroda (BOB) Gold Loan Interest Rate
4. SBI Gold Loan Interest Rate
5. Canara Bank Gold Loan Interest Rate
6. SBI Gold Loan Interest Rate
7. Axis Bank Gold Loan Interest Rate
8. Central Bank Gold Loan Interest Rate
Related HDFC Articles:
1. How To Add A Beneficiary In HDFC Bank
2. HDFC NEFT Charges
3. HDFC Car Loan Status Check
4. HDFC Home Loan Statement
5. How To Generate HDFC Credit Card PIN
6. HDFC Bank Timings
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