HDFC Bank Gold Loan

Loan Against Gold Jewellery and Coins from HDFC Bank

Leverage the potential of your precious metal assets to pay off your debts

HDFC Bank Gold Loan

This scheme helps borrowers access needed funds by pledging their gold jewellery or specially-minted gold coins sold by banks. This loan can be used to meet any financial needs such as a wedding, overseas travel, higher education, etc. as well as to consolidate high-interest debts.

Features of HDFC Bank Gold Loan

Why this Loan?

  • The HDFC Bank Gold Loan is meant for borrowers who want to get funds by pledging gold jewellery/ornaments or specially minted gold coins sold by banks to meet their financial needs. This loan scheme can also be availed by borrowers as a consolidation loan to pay off their high-interest credit card debts and loans
  • This scheme is offered as a term loan as well as overdraft

Loan Amount

  • The minimum loan amount sanctioned under this loan is Rs. 25,000 in non-rural areas and Rs. 10,000 in rural areas. The maximum loan amount sanctioned by the bank under this loan is decided by the bank after assessing the application of the borrower


  • The interest rate applicable to this loan can be anywhere from 9.90% to 17.90%


  • This loan is repayable within 2 years


  • Borrowers should be above 18 years of age and have a steady source of income
  • Borrowers must be the true owners of the gold ornaments, jewellery or specially minted gold coins sold by the banks

Security Needed

  • The bank accepts pledging of gold ornaments or gold coins duly verified for quality and quantity to secure this loan

Processing Charges

  • The bank charges up to 1.50% of the loan amount plus GST for processing this loan

Documents Needed

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card / PAN Card Issuing Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof for Salaried Professionals: Last 3 months’ salary slip, Form 16 or income tax returns
  • Income/Banking Proof for Self-employed Professionals/Insurance Agents: Computation of income of last 2 years, Balance Sheet, Profit and Loss Account, Registration Certificate, GST Return, Income Tax Challan/ Form 26AS/TDS Certificate, IT Assessment, etc.

Reference Facts

  • HDFC Bank Website:
  • Headquarters: Mumbai, Maharashtra
  • Call Centre Number: 1860 267 6161