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    We found 1 HDFC Gold Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Get Approval
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    HDFC Gold Loan is Rated as "Great!" by 12811 Users

    Fees & Charges

    Promised Interest Rate

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    Overview about HDFC Gold Loan

    Gold is a lucrative investment, offering great returns at low risks, with Indians accounting for a major portion of gold purchased globally. A unique advantage of investing in gold is the liquidity it offers, with it easy to avail a loan against it. HDFC Bank offers a specialised gold loan scheme, Sampoorna Bharosa Gold Loan, designed to provide financial aid to individuals in lieu of their gold. Available across all HDFC branches in the country, it is an easy to avail loan which can be used to meet multiple financial requirements.

    Cash crunch giving you the blues? A Personal Loan is the answer!Explore Now

    Features of HDFC Gold Loan

    Some of the distinguishing features of HDFC Sampoorna Bharosa Gold Loan are highlighted below.

    • Multipurpose loan – Loan amount can be used to meet any genuine financial requirement.
    • Quick approval – Minimal documentation results in quick approval, minus any hassles and delays.
    • Loan amount – Individuals can avail loan amounts which suit their needs, with HDFC Bank open to consider loan amounts on a case by case basis.
    • Prepayment – Borrowers can prepay the loan, without worrying about excessive prepayment charges.
    • Competitive interest rates – Interest charged by HDFC Bank on this gold loan scheme is highly competitive, with special rates offered under certain circumstances.
    • Transparent – There are no hidden charges, with transparency maintained at all stages.
    • Safety – The collateral pledged by individuals is kept safe, with a 3 tier sealing system in place.
    • Low processing fee - Borrowers are charged a minimal processing fee, keeping general trends and competition in mind.
    • Flexible repayment – The loan can be repaid through flexible EMIs, with borrowers having an option to choose a tenure which suits their repayment needs.

    HDFC Gold Loan Interest Rates

    Interest rates charged by HDFC on its Sampoorna Bharosa Gold Loan vary depending on the loan tenure, amount and borrower. Current rates range between 9.70% per annum and 20.18% per annum, with the quality of gold also playing an important role in determining this rate. Average rates charged by HDFC Bank fall in the range of 12-13% per annum, making it highly competitive.

    HDFC Bank offers special rates to women and existing customers of their products and services.

    Note: Rates mentioned above are as of May 2016, with these rates subject to change without any notice. Applicants should check the rates applicable before availing a loan.

    Eligibility criteria to avail HDFC Gold Loan

    Individuals who wish to avail this gold loan need to satisfy a few basic criteria.

    • Income – Applicants should have sufficient income to repay the loan amount.
    • Security – Applicants can avail this loan only on providing security in the form of gold.

    Documents required for HDFC Gold Loan

    HDFC has minimised the documentation process for this loan offering, with a single page procedure in place. The following documents need to be submitted in order to process an application.

    • Valid ID proof – Valid government approved ID proof (PAN card, Passport, DL, etc.)
    • Valid address proof – Valid government approved address proof (utility bill, passport, Aadhar card, ration card, etc.)
    • Application form – Duly filled and signed application form

    HDFC Bank might ask for any other documents it feels are necessary to complete application formalities.

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    Fees and charges associated with HDFC Gold Loan

    The table below highlights the various charges associated with this gold loan.

    Fee/Charge type Fee/charge amount
    Processing fee* 0.5% of loan amount
    Prepayment/foreclosure charges

    Max – 1%

    Borrowers can also approach the bank to waive off such charges
    Valuation fee

    Max – Rs 500, for loans over Rs 1.5 lakhs

    Min – Rs 250, for loans up to Rs 1.5 lakhs
    Renewal charges Rs 250 (maximum)

    *Note: HDFC Bank may choose to waive the processing fee, at its sole discretion, based on its relationship with a borrower.

    HDFC Gold Loan FAQs

    1. How long does it take to get a loan application approved?

      HDFC’s Sampoorna Bharosa Gold Loan has been designed as an over the counter loan, with it possible to avail a loan in under an hour, subject to applicants meeting certain basic eligibility criteria.

    2. What is the repayment tenure for this loan?

      This loan comes with flexible repayment tenures, ranging between 6 months and 4 years.

    3. What is the minimum loan amount offered under this scheme?

      A. The minimum loan amount has been kept at Rs 50,000 for urban markets. Rural borrowers can avail loans below this amount, with HDFC Bank open to offer loans on the basis of individual requirement.

    4. Are there any purposes for which this loan cannot be used?

      Yes, this loan can be used only for personal/business use, with HDFC prohibiting the use of this loan to purchase gold, land or market speculations.

    5. Is it possible to get a lower interest rate on this loan?

      Yes, existing customers can negotiate interest rates with the bank, availing an opportunity to lower rates.

    6. Can one apply for this loan online?

      Yes, individuals can apply for this loan online, by logging onto the official website of HDFC Bank, India.

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    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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    • HDFC Gold Loan Reviews

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    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank executives has disbursed my personal loan within 24 hours. I have applied the personal loan through HDFC net banking, The executive came and collected the documents.they have disbursed the loan within 24 hours of time. The required loan amount has been given and I am satisfied with it. The rate of interest is high with HDFC personal loan.
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      , srinagar
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "High interest rate"
      0.5 3.0/5 "Satisfactory"
      I was looking for balance transfer from HDFC to other banks. The actual reason for I transferred my personal loan to other bank is because of the high interest rate. HDFC bank quoted 16% of interest rte which is high for the personal loan, so I done balance transfer.
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      , rajahmundry
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Hassles Free"
      0.5 4.0/5 "Great!"
      I could say it is quite hassles free service because I do not have anything to say that the bank is not good for the loan process. Because I had received a good response, no challenges during the process, interest rate & customer service is good, so everything is good with HDFC bank for the personal loan.
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      , hyderabad
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Very simple documentation part"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank personal loan process went very smoothly, I already hold an account with HDFC and it was very easy for me to avail the loan. However there was no pref entail rate offered by them. On the contrary there were not in need of many documents.
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      , bangalore
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "It was good"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience with HDFC bank was really good expect for the prepayment options. As of now there are no options, to prepay the loan before one year with HDFC bank which I dislike the most also I am not sure how other bank works too.
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      , chennai
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Good but Delayed Service "
      0.5 3.0/5 "Satisfactory"
      Time management is very important for everyone especially when it comes to banking services. I recently approached HDFC bank for the personal loan requirement. Everything went good with the bank but they did not done with the process on time. They were delayed for two to three days. Actually I called the bank for document collection but they did not pick up the call for three days. So the entire process got delayed for three days.
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      , hyderabad
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      " Everything was good no time delay"
      0.5 5.0/5 "Blown Away!"
      With HDFC, I am actually holding a salary account it is very easy reach out to them, they are fast, rate of interest offered was per the market standard . I was in need of funds urgently at that time when I required it they offered as per my expectation and nothing much. They took around 3 days of time to disburse the amount. Everything was good and there was no time delay too.
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      , bangalore
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      The HDFC bank executive didn't attend my call in concern to my personal loan application. They haven't come to collect my required documents on time, so that was the reason I haven't processed with HDFC bank personal loan. It would be great if HDFC bank executives collects the document on assigned date and time. The rate of interest is high with HDFC bank when compared with ICICI bank.
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      , varanasi
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Be Responsive"
      0.5 3.5/5 "Pretty good"
      In the beginning I had received good response from HDFC bank for the personal loan. But later on I did not receive proper response for the further process like document collection and everything. I am quite disappointed because the bank had closed the application but they did not provide the proper explanation for that.
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      , bangalore
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a personal loan and the overall experience was great at that moment. They were quick in the response and the process was also very quick. I got a good deal on the interest rate and processing fees too. The after loan services are also nice.
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      , karaikal
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "High on ROI"
      0.5 3.0/5 "Satisfactory"
      After me applying for a personal loan with HDFC Bank. I did receive a proper response from them and I was given the details. The rate of interest was on the higher side. I was offered a rate of around 17%. I was also told that the bank would negotiate on the same and finally that they did not happen. So I cancelled my application.
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      , karaikal
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Good services"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from HDFC Bank. The process and documentation was simple. The services were quick. The disbursement was also on time and in all I had no issues to get the loan through. The after loan services are also good and satisfactory.
      Was this review helpful? 0

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      , indore
      Reviewed on Aug 14, 2017
    • HDFC Bank Personal Loan
      "Verbal communication part should be improved"
      0.5 3.0/5 "Satisfactory"
      I have submitted all the documents to the HDFC bank, then I didn't receive the confirmation call from them for the personal loan. Before collecting the documents, their service was good then post process was not upto the mark. It would be great if they improve their communication part.
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      , new delhi
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC bank has asked me my Cheque leafs to proceed with the personal loan. The customer service was good from HDFC bank. The loan locking period was around 1 year with HDFC bank , so that was the reason I have choose ICICI bank. The rate of interest is low with Hdfc when compared with ICICI bank.
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      , gurgaon
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "High on ROI and charges. But smooth process"
      0.5 4.0/5 "Great!"
      My personal loan is from HDFC Bank, the best is the quick response. As soon as I placed my request, they contacted me and collected my papers on time. I also got the funds immediately and it was smooth. But the drawback is the bank is high on the interest rate and processing charges.
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      , bangalore
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank and the process to get this loan was smooth. I have also closed the loan. I did not have any issues to close the loan. It was a nice experience overall. The interest rate and processing charges was normal.
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      , jaipur
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "On time process"
      0.5 5.0/5 "Blown Away!"
      Actually I was waiting for the response from ICICI bank for the personal loan but when I found that they are taking too much of time to initiate the process, I just canceled the application and I went with HDFC bank. HDFC is my existing bank for the salaried account. So I approached them and got good service. Not only that they processed the loan in a short span of time and disbursed the loan on time.
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      , bangalore
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      Compared to other banks HDFC gave decent interest rate in regards to my personal loan application. They have disbursed my loan amount within 10 days of time. The customer service is really good with HDFC bank. Minimum of 1 year is the locking period to this loan
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      , vellore
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      My personal loan with HDFC Bank and as always, I received this loan immediately. I got the loan within 3 three minutes. After I placed a request the bank checks on my payment history and offers me the loan without any delay. The interest and charges are also normal.
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      , tirunelveli
      Reviewed on Aug 12, 2017
    • HDFC Bank Personal Loan
      "Not Satisfied with the services"
      0.5 2.0/5 "Expected more"
      HDFC Bank initially contacted me and informed me the details for the personal loan. After which there were no follow calls and it has not been a very good process for me, though I am an existing customer of the bank. The interest rate and processing charges was also high.
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      , bangalore
      Reviewed on Aug 12, 2017
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