| Charges | Current Charges |
|---|---|
| Loan Processing Charge | Up to 1% of disbursal amount (inclusive of applicable tax) |
| Valuation Charge | ₹250 plus applicable tax up to 1.5 lakh per packet per loan |
| ₹575 plus applicable tax above 1.5 lakh per packet per loan | |
| Premature Closure Charges | 1% on principal outstanding plus applicable tax |
| Renewal Charges | ₹350 plus applicable tax |
| Delayed Instalment Payment Charge | 18% p.a. plus applicable government taxes on overdue instalment amount |
| Payment Return Charges | ₹200 plus applicable tax |
| TOD Charges against Overdraft | 18% p.a |
| Stamp Duty and Other Statutory Charges | As per actuals which are applicable in laws of the state. |
| CIBIL Charges | ₹50 per CIBIL report |
| Legal and Incidental Charges | As per actual |
| Auction Charges | As per Actual |
Interest Rate offered to customer during the period of Q2-FY'24-25 - Jul'24- Sept'24 *
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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