Home Loans Gold Loan
Gold Loan

Unlock the value of your gold.

Turn idle gold jewellery into instant funds at a low rate — with fully insured safekeeping and your ornaments returned on repayment.

Low interest rates
Insured safekeeping
Quick disbursal
Minimal documents
Calculate EMI
100% safe & confidential

Apply for Gold Loan

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Loan amount
₹50 L
₹10,000 to ₹50,00,000
Interest rate
9.0%
per annum onwards
Tenure
3–36 mo
flexible tenure
Processing fee
0–1%
low / often waived
Why this loan

Your gold, working for you

Low interest, often cheaper than personal loans
Funds disbursed quickly, sometimes same day
Your gold is insured and safely stored
Minimal documentation, no income proof needed
Flexible repayment, including interest-only options
Ornaments returned in full on repayment
Indicative rates

Gold Loan rates from HDFC Bank

Indicative only — your final rate depends on your profile, income and credit history. Final terms are set by the lender.

Lending partnerInterest rate (p.a.)Processing feeMax tenure
HDFC Bank9.00% – 16%Up to 1%3 yrs
EMI calculator

Know your EMI before you borrow

Slide to your amount and tenure. The total payable updates instantly — what you see is what you pay, all-in.

Estimate your EMI
Loan amount
Tenure
Monthly EMI
· all-inTotal
Eligibility

Who can apply

Indian resident aged 18 years and above
Own gold jewellery/ornaments (18–24 carat)
Valid identity and address proof
No minimum income requirement
Quick KYC at branch or doorstep
Documents

What you'll need

PAN or Form 60
Aadhaar / valid address proof
Passport-size photographs
The gold ornaments to be pledged
How to apply

Get your gold loan in 4 simple steps

1
Tell us about your gold

Share the approximate weight and your funding need.

2
Get a quote

An expert explains the rate, loan value and repayment options.

3
Gold valuation

Your gold is evaluated and securely stored, fully insured.

4
Instant disbursal

The loan amount is credited to you, often the same day.

FAQs

Gold Loan — common questions

It's based on the weight and purity of your gold and the lender's loan-to-value ratio (regulated up to 75% of value). Higher purity and weight mean a higher loan.
Yes. Pledged gold is stored in secure, insured vaults and returned to you intact once you repay the loan in full.
Usually not. Because the loan is secured by gold, most lenders don't require income documents — making it accessible to almost everyone.
Flexible — you can pay regular EMIs, pay interest periodically and principal at the end, or settle as a bullet payment. We'll explain what suits you.
Gold loans are among the fastest — once your gold is valued, funds can be disbursed the same day.

Instant funds, against your gold

Check your gold loan value in minutes. Safe, insured, and no income proof needed.

Check eligibility