Gold Loan Rate of Interest (March 2026)

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 of Q3-FY'25-26 - Oct'25- Dec'25*

The Bank IRR for Gold Loans ranged from 9.10% to 19.00%, with an average of 11.17%.

  • The Annual Percentage Rate (APR) for Gold Loans ranged from 9.10% to 20.05%, with an average of 11.42%.

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.

Frequently asked questions

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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