Personal, home, vehicle & other loans

Bank Gold Loan

Gold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. Bank does not publish a general maximum loan amount on the reviewed product page; the sanctioned amount depends on gold valuation and the bank's assessment.

Starting interest rateStarts from 11.91% p.a.; the bank says approval and the rate of interest are at its sole discretion, and the offered rate varies with loan duration, amount and borrower profile.Maximum amountGold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. HDFC Bank does not publish a general maximum loan amount on the reviewed product page; the sanctioned amount depends on gold valuation and the bank's assessment.Published tenure range6–42 months

Official product page ↗Compare category

✓ Manually checked 2 Oct 2026 · active

Offered byHDFC Bank

India; the bank page describes application through a branch or its online application process.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Minimum loan amount₹25,000View source

The page says gold loans start at ₹25,000. The calculator also labels ₹25,000 as its minimum input; its ₹1 crore slider maximum is not treated as a product maximum.

Source: Gold Loan — Bank
Page / section: Loan processing details; Loan Amount
Accessed: 30 Sept 2026
Confidence: high

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The live product page advertises a starting rate of 11.91% p.a. and says terms apply. The linked September 2026 charges page says customer rates differ with duration, amount and profile. This is not an individual sanction quote or a maximum rate.

Source: Gold Loan — Bank
Page / section: Get Your Gold Loan at Affordable Interest Rates; Important Notes
Accessed: 30 Sept 2026
Confidence: high

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Published tenure range6–42 monthsView source

The product page states Gold Loans are available for a tenure ranging from 6 to 42 months. The sanction letter governs the selected facility.

Source: Gold Loan — Bank
Page / section: Loan Benefits — Tenure
Accessed: 30 Sept 2026
Confidence: high

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Facility and repayment choicesThe bank lists term loan, overdraft and bullet repayment facilities. Customers may repay interest monthly or use regular EMI; the page says bullet repayment requires principal and interest after 1 year. The one-year bullet example is not reconciled on the page with the separate 6–42-month general tenure range; confirm the sanctioned option and schedule.View source

The page describes term loan, , bullet and -based repayment; its bullet example says repay principal and interest after 1 year, while its general tenure statement is 6–42 months.

Source: Gold Loan — Bank
Page / section: Loan Benefits & Features; Repayment terms; Frequently Asked Questions — How do I repay
Accessed: 30 Sept 2026
Confidence: high

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Age, residence and customer typesIndian residents aged 18–75 who are businessmen, traders, farmers, salaried or self-employed individuals may apply, subject to HDFC Bank approval and the pledged-gold requirements.View source

The gives the residence, age and occupation criteria. The page separately states that approval is at Bank's sole discretion.

Source: Gold Loan — Bank
Page / section: Frequently Asked Questions — Who is eligible to get a Gold Loan; Important Notes
Accessed: 30 Sept 2026
Confidence: high

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Documents listed by HDFC BankPAN plus one listed identity/address document (valid passport, valid driving licence, Voter ID or Aadhaar), or Form 60; one passport-size photograph; agriculture/allied-occupation documentation for agriculture customers using bullet repayment; gold jewellery/ornaments for appraisal and pledge.View source

The documentation page lists passport, driving licence, Voter , Aadhaar, with one of the listed documents or Form 60, one photograph and agriculture/allied-occupation proof in the specified case. Gold collateral is required by the product page and contract.

Source: Documents Required to Apply for Gold Loan at Bank
Page / section: Documents required for Gold Loan
Accessed: 30 Sept 2026
Confidence: high

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How pledged gold is valuedThe jewellery/ornament is weighed in the customer's presence; stones, beads, lac, enamel, solder and other non-gold components are deducted. Purity is assayed and recorded in carats. The page says the reference price uses IBJA rates on the valuation date, based on the average of the previous 30 working days.View source

The bank describes customer-present weighing, deductions for non-gold elements, purity assessment and an IBJA reference price based on the preceding 30 working days.

Source: Gold Loan — Bank
Page / section: Gold Loan Valuation Methodology — Determination of Net Weight; Purity Assessment; Price Used for Valuation
Accessed: 30 Sept 2026
Confidence: high

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Published use restrictions — page conflictThe Important Notes say the loan is for agricultural, business or personal purposes and cannot fund gold coins/jewellery, land or speculative purposes. A later 'More About Gold Loan' feature twice says there are no end-use restrictions. These statements conflict on the same official page; preserve the specific Important Notes and confirm the permitted purpose in the sanction documents.View source

The feature section says no end-use restrictions, but the Important Notes impose named purpose limits and exclusions. No unqualified 'no restriction' claim is published.

Source: Gold Loan — Bank
Page / section: More About Gold Loan — No End-Use Restrictions; Apply for a Gold Loan — Important Notes
Accessed: 30 Sept 2026
Confidence: high

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Processing chargeMaximum 1% of the disbursal amount plus applicable taxes. Micro and Small Enterprises with facilities up to ₹5,00,000 are exempt if they submit a Udyam Registration Certificate before disbursal.View source

The September 2026 page states maximum 1% of disbursal plus taxes and a nil-processing-fee exception for facilities up to ₹5 lakh with Udyam registration before disbursal.

Source: Gold Loan Rate of Interest and Charges — September 2026
Page / section: Current Charges — Loan processing charge; processing-fee waiver note
Accessed: 30 Sept 2026
Confidence: high

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Asset verification and valuation charge₹350 + tax for loan amount up to ₹2,00,000; ₹750 + tax above ₹2,00,000 through ₹10,00,000; ₹1,500 + tax above ₹10,00,000. Charged per packet per loan.View source

The schedule specifies the three loan-amount bands and says the fee is per packet per loan; applicable tax is extra.

Source: Gold Loan Rate of Interest and Charges — September 2026
Page / section: Current Charges — Asset Verification & Valuation charge
Accessed: 30 Sept 2026
Confidence: high

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Premature closure / part-payment charges — source conflictSeptember 2026 charges page: 2% + applicable tax within 30 days; 1% + tax after 30 and through 180 days; nil after 180 days. Exception: qualifying fixed-rate MSE loans up to ₹50,00,000 are exempt when closed/part-paid from own funds. The product-page FAQ instead says 1% + GST within 6 months and nil after 6 months; follow-up is required to reconcile this conflict for the applicable loan type.View source

The September 2026 schedule has 30/180-day tiers. The product states a different single 6-month tier. The own-funds exception is separately stated in the current page notes.

Source: Gold Loan charges — September 2026, compared with Gold Loan product-page
Page / section: Premature closure charges (full or part payment); product-page — Can I foreclose or prepay my Gold Loan?
Accessed: 30 Sept 2026
Confidence: high

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Late instalment and payment-return chargesThe September 2026 schedule lists ₹450 + tax for a returned payment. It says interest on a late EMI is charged at the contracted loan rate for the days late. The same page's FAQ separately states a delayed-instalment charge at 18% p.a. plus applicable government taxes on the overdue instalment; the exact interaction of these statements is not explained.View source

The page contains a contracted-rate-for-days-late explanation and an rate of 18% p.a. on the overdue instalment, plus the ₹450 returned-payment charge. They are retained separately rather than assumed to be identical.

Source: Gold Loan Rate of Interest and Charges — September 2026
Page / section: Payment Return Charges; late note/example; — penalty/charge for late payment of interest
Accessed: 30 Sept 2026
Confidence: high

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Other published chargesRenewal (term loan/overdraft/rear-end): ₹500 + tax up to ₹5,00,000; ₹750 + tax above ₹5,00,000. Overdraft TOD charge: 18% p.a. Stamp duty/statutory charges: actuals. CIBIL: ₹50/report. Legal/incidental: actuals. Auction: ₹1,500 newspaper advertisement charge as incurred. Overdue notice: ₹200 per loan recall/auction notice. Applicable GST/government taxes are extra.View source

The schedule lists each charge and its amount/tier. The bank says and other government levies are additional at prevailing rates.

Source: Gold Loan Rate of Interest and Charges — September 2026
Page / section: Current Charges — Renewal; TOD; statutory; ; Legal and Incidental; Auction; Overdue Notice
Accessed: 30 Sept 2026
Confidence: high

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Historical Gold Loan portfolio rates — not an individual offerQ4 FY 2025–26 (January–March 2026): IRR 9.00%–19.00%, average 10.86%; APR 9.01%–19.08%, average 11.10%. Portfolio disclosure only; not a current product quote or a rate for every borrower/variant.View source

The page explicitly gives the historic portfolio IRR and ranges and averages. These are cohort statistics, not individual-product pricing.

Source: Gold Loan Rate of Interest and Charges — September 2026
Page / section: Interest rate offered during -'25-26 — Jan'26–Mar'26
Accessed: 30 Sept 2026
Confidence: high

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Selected contractual conditions from the linked termsThe linked T&C says interest and repayment obligations follow the application/sanction documents; the bank may demand the outstanding dues within 48 hours. If collateral falls below the required margin, the borrower must provide added security or repay within 7 days, reduced to 2 days in the specified sudden/drastic/steady gold-price-fall case. The bank reserves audit rights over purity/quality/value, including opening packets or cutting ornaments, at the borrower's cost. Release follows full payment and at least 7 working days' notice; collection is due within 15 working days, after which service charges apply, and after 3 months the bank may dispose of uncollected gold to recover charges. Default sale notice is normally 7 days, reducible to 2 days in specified gold-price conditions.View source

Text for all 11 pages was reviewed. The web screenshot tool returned no page images and some page screenshots returned Cache miss; local download also failed. These clauses are published as text-extracted evidence but the product remains uncertified pending visual-source verification.

Source: Bank Gold Loan — Terms and Conditions
Page / section: clauses on repayment/recall, gold-security margin, audit, release and event of default/auction (pages 3–8)
Accessed: 30 Sept 2026
Confidence: medium

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Loan typeGold loanView source

The official product name identifies this as “ Bank Gold Loan”.

Source: Bank Gold Loan — official product page
Page / section: Official product name and loan classification
Accessed: 30 Sept 2026
Confidence: high

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Maximum amountGold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. HDFC Bank does not publish a general maximum loan amount on the reviewed product page; the sanctioned amount depends on gold valuation and the bank's assessment.View source

The manually reviewed product summary states: “Gold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. Bank does not publish a general maximum loan amount on the reviewed product page; the sanctioned amount depends on gold valuation and the bank's assessment.”.

Source: Bank Gold Loan — official product page
Page / section: Published loan terms in product summary
Accessed: 2 Oct 2026
Confidence: high

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Geographic limitsIndian residents aged 18–75 who are businessmen, traders, farmers, salaried or self-employed individuals may apply, subject to HDFC Bank approval and the pledged-gold requirements.View source

The manually reviewed product record states: “Indian residents aged 18–75 who are businessmen, traders, farmers, salaried or self-employed individuals may apply, subject to Bank approval and the pledged-gold requirements.”.

Source: Bank Gold Loan — official product page
Page / section: Published product metadata
Accessed: 2 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Term loan, overdraft and bullet-repayment choices are listed
Repayment can use monthly interest, or bullet repayment, subject to the sanctioned facility
Gold valuation is described using purity and net eligible gold weight

Eligibility

The product page lists Indian residents aged 18–75, including salaried, self-employed, business, trade and farming customers.
The borrower must pledge gold jewellery/ornaments; the contractual terms require clear ownership/title to the pledged gold.
No minimum-income threshold is stated on the reviewed product page, documentation page or linked current charges page.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

card plus one listed identity/address document (valid passport, valid driving licence, Voter or Aadhaar), or Form 60
One passport-size photograph
Agriculture/allied-occupation documentation when an agriculture customer selects bullet repayment
Eligible gold jewellery/ornaments for appraisal and pledge

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹27,370twenty-seven thousand three hundred seventy rupees

Interest paid over the full loan₹40,68,909forty lakh sixty-eight thousand nine hundred nine rupees

Everything you repay₹65,68,909sixty-five lakh sixty-eight thousand nine hundred nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableCharge

Loan processing charge · Amount, band or conditionMaximum 1% of disbursal amount + applicable taxes

This value is copied from Bank Gold Loan schedule of charges — September 2026. Check the table notes before relying on it.

Source: Gold Loan Rate of Interest and Charges — September 2026 · Current Charges table; and tax notes; product-page comparison Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 16 rows · 2 columnsHDFC Bank Gold Loan schedule of charges — September 2026Current charge schedule from the bank's September 2026 Gold Loan rates and charges page. Taxes are additional where specified; the special MSE exemptions and the FAQ conflict are recorded separately.View tableHide table

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HDFC Bank Gold Loan schedule of charges — September 2026
Charge	Amount, band or condition
Loan processing charge	Maximum 1% of disbursal amount + applicable taxes
Asset verification and valuation — loan amount up to ₹2,00,000	₹350 + applicable tax per packet per loan
Asset verification and valuation — above ₹2,00,000 through ₹10,00,000	₹750 + applicable tax per packet per loan
Asset verification and valuation — above ₹10,00,000	₹1,500 + applicable tax per packet per loan
Premature closure, full or part — within 30 days	2% + applicable tax
Premature closure, full or part — after 30 days through 180 days	1% + applicable tax
Premature closure, full or part — after 180 days	Nil under the September 2026 schedule; product-page separately states a different 6-month rule
Renewal — term loan/overdraft/rear-end, amount up to ₹5,00,000	₹500 + applicable tax
Renewal — term loan/overdraft/rear-end, amount above ₹5,00,000	₹750 + applicable tax
Payment return	₹450 + applicable tax
TOD against overdraft account	18% p.a.
Stamp duty and other statutory charges	Actuals under applicable state laws
charge	₹50 per report
Legal and incidental charges	As per actuals
Auction charge	₹1,500 newspaper advertisement charge, as incurred
Overdue notice	₹200 per loan recall/auction notice sent to customer

and other government taxes/levies are charged in addition at the prevailing rate.
Qualifying fixed-rate Gold Loans up to ₹50,00,000 for Micro and Small Enterprises have no foreclosure/prepayment charge when closed/part-paid from the borrower's own funds.
Micro and Small Enterprise facilities up to ₹5,00,000 have nil processing fee if a Udyam Registration Certificate is submitted before disbursal.
Product conflict: it states 1% + when closed within six months and nil after six months; retain the conflict rather than silently choosing that older rule.

Gold Loan Rate of Interest and Charges — September 2026 · Current Charges table; and tax notes; product-page comparison · accessed 30 Sept 2026Open official source ↗

Table 2 · 1 row · 6 columnsHDFC Gold Loan portfolio IRR and APR, Q4 FY 2025–26Historic portfolio-level rates for January–March 2026. This is not a current individualized offer or a price guaranteed to every Gold Loan customer.View tableHide table

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HDFC Gold Loan portfolio IRR and APR, Q4 FY 2025–26
Disclosure period	IRR range	Average IRR	range	Average	Scope
January–March 2026 ( 2025–26)	9.00%–19.00%	10.86%	9.01%–19.08%	11.10%	Gold Loan portfolio-level disclosure

Retain separately from the product page's starting-rate claim; the portfolio is not a product-specific current quote.

Gold Loan Rate of Interest and Charges — September 2026 · Interest rate offered to customer during -'25-26 — Jan'26–Mar'26 · accessed 30 Sept 2026Open official source ↗

HDFC Bank Gold Loan

What the official sources publish

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Eligibility

Documents the bank lists

Related official documents

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Bank Gold Loan