| Charges | Current Charges |
|---|---|
| Loan processing charge (processing fee) | Maximum 1% of Disbursal Amount + Applicable Taxes |
| Asset Verification & Valuation charge | Rs 350 +applicable tax for loan amount up to 2 lacs per packet per loan Rs 750 +applicable tax for loan above 2 lacs - Upto 10 Lacs per packet per loan Rs 1500 +applicable tax for loan above 10 Lacs per packet per loan |
| Premature closure charges (Full or Part payment) |
2%+Applicable Tax - if the loan is pre-closed within 30 days. 1%+Applicable Tax - if the loan is pre-closed greater than 30 days and within 180 days. Nil - if the loan is pre-closed after 180 days |
| Renewal Charges (TL/OD/Rearend) |
Loan Amount Upto 5 Lacs - Rs 500 + Applicable tax Loan Amount> 5 lacs - Rs 750+ Applicable |
| Payment Return Charges# | Rs. 450+ Applicable Tax |
| TOD Charges against Overdraft account | 18% p.a |
| Stamp Duty and Other statutory Charges | As per actuals which are applicable in laws of the state. |
| Cibil Charges | ₹50 per report |
| Legal and Incidental Charges | As per actual |
| Auction Charges | Rs - 1500 (News Paper Advertisement charges- As per the incident) |
| Overdue Notice charges | ₹ 200 Per Loan recall/Auction Notice Sent to customer |
# If you pay your EMI after the due date, interest will be charged on unpaid EMI for the number of days you are late. This interest is calculated at your loan’s contracted rate and will be added to your next EMI.
Example:
EMI Due Date: 10th
Payment Made On: 25th
Delay: 15 days
Impact:Interest for these 15 days will be added to your next EMI. Please pay on time to avoid this.
Interest Rate offered to customer during the period ofQ2-FY'25-26 - Jul'25- Sept'25*
The Bank IRR for Gold Loans ranged from 9.30% to 17.86%, with an average of 11.91%.
The Annual Percentage Rate (APR) for Gold Loans ranged from 9.30% to 17.88%, with an average of 11.92%.
Note: GST and other government taxes and levies will be charged in addition to the fees and charges at the prevailing rate.
For all fixed-rate Gold Loans up to ₹50 lakh obtained by Micro and Small Enterprises, no foreclosure or prepayment charges will be applied if the loan is closed or partially repaid from its own sources of funds.
Micro and Small Enterprises availing Gold Loan facilities up to ₹5 lakh are exempt from processing fees, provided they submit the Udyam Registration Certificate before disbursal.
Loan approval is solely at the discretion of HDFC Bank Ltd.
*TandC - Loan approval and ROI are subject to the sole discretion of HDFC Bank Ltd.
Apply for a Gold Loan online with an attractive interest rate and minimal documentation needed.
The interest rates applied by HDFC Bank on its Gold Loan differ based on factors such as loan duration, amount and borrower's profile.
If the price of gold rises, the value of the gold used as collateral also rises. This implies that you can obtain a higher loan amount or a more favourable interest rate for your Gold Loan.
The delayed instalment payment charge incurs an interest rate of 18% per annum, along with applicable government taxes, on the overdue instalment amount.
Terms & Conditions
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