Gold Loan Top Up

• Additional Funds on the Ongoing Gold Loan: Take advantage of your existing Gold Loan to get access to more funds.  
• Multiple Repayment Structures: Repay your Gold Loan through regular EMIs or pay the entire principal and interest amount as lumpsum at the end of the tenure (bullet payment). 
• Attractive Interest Pricing: Enjoy favourable rates that can lead to affordable borrowing costs across the loan tenure.  
• Flexible Tenure Options: HDFC Bank Gold Loan Top-Up tenures range from 6 to 42 months. You can opt for your preferred tenure.  
• Secure Storage: Your gold is stored securely in our vaults. It stays with us until you repay the entire loan. 
• Multi-Purpose Loan: You can use the Top-Up amount for a multitude of purposes, without any end-use restriction. 

• No Need for Fresh Collateral: Since your gold is secured with us, you don’t need to provide new collateral. We re-evaluate your gold per the current market value to determine your eligibility.  
• Faster Access to Funds: The Gold Loan Top-Up application entails minimal documentation, allowing us to process and, if eligible, disburse the loan to your bank account quickly. Therefore, you can access the funds faster and meet any urgent financial needs. 
• Convenient Loan Management: When you opt for a Gold Loan Top-Up, your existing EMI will be restructured based on the new amount. You don’t have to manage multiple loans. Plus, our NetBanking and Mobile Banking portals make loan management easier. 

• Step 1: Gold Revaluation 

Your pledged gold is reassessed based on current market prices and applicable Loan-to-Value (LTV) ratio. As of January 2026, the Reserve Bank of India allows banks to sanction up to 75% of the gold value as loan. 

• Step 2: Eligibility Determination 

The eligible top-up amount is calculated after adjusting the outstanding loan balance. 

• Step 3: Top-Up Application 

You can place a request for a top-up at the nearest HDFC Bank branch or through online channels.  

• Step 4: Approval and Disbursal 

Upon successful evaluation, the additional loan amount is approved and credited to your account. 

Example: Let’ say, the current value of your pledged gold is ₹4,00,000 

The maximum loan amount you may be eligible for would be ₹3,00,000 (according to 75% LTV) 

If the outstanding loan of your existing Gold Loan is ₹2,20,000, you may be eligible for Top-Up of ₹80,000 

You can check your eligibility for a Top-Up on Gold Loan in the following ways: 

• Check eligibility online: click here 
• Check offer via NetBanking or Mobile Banking 
• Visit your nearest HDFC Bank branch 

• *Loan to be granted for agricultural/business/personal purposes only. 
• Loan cannot be availed for purchase of gold coins, jewels or jewellery, land or any speculative purposes. 
• GST and other Government taxes, levies etc. applicable as per the prevailing rate will be charged over and above the Fees and Charges. 
• All fixed rate loans up to ₹50 lacs, availed by Micro and Small Enterprises, will not be charged with foreclosure and Prepayment charges provided the same has been closed/part paid from own source of funds. 
• NIL Processing Fees for loan facility up to ₹5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursal. 
• Loan at the sole discretion of HDFC Bank Ltd. 
• *T&C- Loan Approval and ROI at the sole discretion of HDFC Bank Ltd