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HDFC Bank Gold Loan Interest Rate Today, 26 October 2026: Slabs, Per-Gram Cost & Schemes

HDFC Bank gold loan interest rate 9.3% – 17.9% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹775 – ₹1,492 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹754 – ₹1,451 On ₹97,300 advance · gold price updated 2026-10-25

Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.

How much will an HDFC Bank gold loan cost?

HDFC Bank lends against gold from 9.3% to 17.9% depending on scheme and drawdown, over tenures of 3–42 months. Set your own numbers below — the structure toggle matters as much as the rate, because on the same principal an EMI and a bullet produce very different total interest.

A Delhi boutique owner raising ₹22 lakh in a day against inherited jewellery to grab a wholesale inventory liquidation — bank-grade custody being the family’s non-negotiable for heirloom pieces.

HDFC Bank gold loan EMI calculator

Repayment structure
Monthly EMI
₹17,910
Total interest
₹14,925
Total repayment
₹2,14,925

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at HDFC Bank's mid-board 13.5%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,478/mo₹2,389/mo₹1,697/mo
₹1,00,000 ₹8,955/mo₹4,778/mo₹3,394/mo
₹2,00,000 ₹17,910/mo₹9,555/mo₹6,787/mo
₹5,00,000 ₹44,776/mo₹23,889/mo₹16,968/mo

These are EMIs at HDFC Bank's mid slab. Land a lower slab and every figure falls; choose bullet instead and the monthly drops to interest alone — ₹1,125 per ₹1,00,000 — at the cost of a lump sum at closure.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹17,910 to ₹6,787, but you carry the pledge three times as long and pay roughly ₹29,412 more in total interest. The honest read on tenure at HDFC Bank: pick the shortest window your cash flow can actually clear. Rolling a pledge forward means fresh appraisal and stamp costs each time, which is where a cheap headline rate quietly stops being cheap.

How much gold loan can I get from HDFC Bank?

Before comparing rates, size the pledge. HDFC Bank lends against appraised metal weight under RBI's tiered ceiling, so the loan amount is set by your gold and its size, not by your income. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

HDFC Bank gold loan amount calculator

Appraised value
₹2,59,466
LTV tier applied
85%
Eligible loan (max)
₹2,20,546

Indicative, on the 2026-10-25 reference of ₹14,163/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two HDFC Bank-specific limits sit around that figure: it lends from ₹25,000 to ₹1 crore+ (relationship-led at the top), so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

The gap between a calculator and a HDFC Bank sanction letter is almost always weight, not price. Bring plain ornaments if you want the two numbers close.

Where HDFC Bank helps: high ceilings for relationship customers — one of few banks comfortable at ₹50 lakh+ pledges. Where it does not: ornament acceptance is choosier than NBFCs (purity floors, bar limits).

Treat the figure as a ceiling rather than a quote: gross weight includes findings and stones that no lender pays for, and tested purity often lands below the bill of sale.

See HDFC Bank gold loan per gram →
Today's gold rate, city-wise →

HDFC Bank gold loan schemes

HDFC Bank runs 2 gold-loan schemes rather than one. They differ in how much they advance, how you repay and what they cost — which is why the same jewellery can be quoted at 9.3% or 17.9% in the same branch on the same morning.

HDFC Gold Loan (term)

EMI or bullet against pledged ornaments with bank-grade turnaround at gold-desk branches — the mainstream product for salaried and business borrowers alike.

Overdraft against gold

Limit-style access for current-account holders who want pledged gold working as a revolving line.

Repayment structures offered

  • •EMI
  • •Bullet (shorter tenures)
  • •OD utilization-based for eligible customers

Charges beyond interest

  • •Valuation fee per pledge
  • •Processing (waived in drives)
  • •Foreclosure nil on floating; check fixed variants
  • •Stamp duty

Processing: up to 1% (min ₹500).

Where HDFC Bank is genuinely strong rather than merely available: wide urban gold-desk network with genuinely quick, professional handling. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the NBFC tables on our hub will serve you better.

Is an HDFC Bank gold loan cheaper than a personal loan?

On rate, almost always — and by a wider margin than most borrowers expect. On risk, never. Both halves decide it.

HDFC’s gold loan is for borrowers who’d pay a spread over PSU rates for speed, polish and custody comfort — and for large pledges where relationship pricing kicks in and few others are comfortable. Ask your quoted rate explicitly: inside this band, prime relationships print near 9.5% while walk-ins can hear 15%+. The bank rewards being known; if you aren’t, make quotes compete.

On ₹3 lakh, 24 months HDFC Bank gold loan Unsecured personal loan
Indicative rate 9.3%–17.9% 10.5%–24%
EMI at the typical rate ₹14,333 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure 3–42 months Up to 5–6 years

On price the pledge wins easily here. On flexibility it does not: HDFC Bank caps gold tenures at 3–42 months, while its personal loan runs for years.

On the numbers above, the gold route costs roughly ₹356 a month less on ₹3 lakh over two years — about ₹8,544 in total.

Set the 3–42 months tenure cap against a personal loan's multi-year runway, then set a recoverable credit score against irrecoverable jewellery. Those two comparisons, not the interest rate, decide most real cases.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares HDFC Bank against every other counter on one table.

Why HDFC Bank quotes three different rates for one pledge

Think of HDFC Bank's 9.3%–17.9% spread as an LTV dial rather than a negotiation range: turn your drawdown lower and the rate follows, mechanically.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%9.3%₹775
~60–70%13.5%₹1,125
Max (75% cap)17.9%₹1,492

*Indicative framing of HDFC Bank's 9.3%–17.9% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

The per-lakh column converts rates into grocery-math: ₹5 lakh drawn at HDFC Bank's floor slab carries ₹3,875 of monthly interest; the same at the top slab, ₹7,460. If your gold comfortably covers the need, "quote me a lower-LTV scheme" is the cheapest sentence in gold borrowing.

Drawn@9.3%/mo@13.5%/mo@17.9%/mo
₹2 lakh ₹1,550 ₹2,250 ₹2,984
₹5 lakh ₹3,875 ₹5,625 ₹7,460
₹10 lakh ₹7,750 ₹11,250 ₹14,920

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
HDFC Bank9.3%17.9%₹775
ICICI Bank 9.25% 18% ₹771
Karur Vysya Bank 9.25% 11% ₹771
Axis Bank 9.5% 17% ₹792

Read floors against floors: a lender whose ceiling scares you may still hold the sharpest low-LTV slab. HDFC Bank's position above is one input; your appraisal and scheme pick decide the rest.

HDFC Bank full guide· HDFC Bank per-gram· Rate today· All lenders

HDFC Bank गोल्ड लोन — हिंदी में जानकारी

HDFC Bank सोने पर कर्ज लगभग 9.3% से 17.9% सालाना की दर पर देता है, और अवधि 3–42 months तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

HDFC Bank गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

HDFC Bank गोल्ड लोन की ब्याज दर कितनी है?
HDFC Bank की गोल्ड लोन दर 9.3% से शुरू होकर 17.9% तक जाती है। यह आपकी आय या नौकरी से नहीं, बल्कि गिरवी रखे सोने के मुकाबले ली गई रकम से तय होती है। इसलिए जरूरत से कम उठाना सीधे-सीधे सस्ती दर देता है — यही इस उत्पाद की सबसे कम इस्तेमाल होने वाली सौदेबाजी है।
HDFC Bank से एक ग्राम सोने पर कितना लोन मिलता है?
दो अलग आँकड़े हैं — गहने की कीमत और उस पर मिलने वाला कर्ज। आज 22 कैरेट की कीमत करीब ₹12,973 प्रति ग्राम है, और कर्ज उसका एक तय हिस्सा ही होता है: छोटे लोन पर 85% तक, ₹5 लाख तक 80%, और बड़े लोन पर 75%। HDFC Bank की सीमा ₹25,000 से ₹1 crore+ (relationship-led at the top) है।
HDFC Bank गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
EMI में हर महीने ब्याज के साथ मूलधन भी कटता है, इसलिए कुल ब्याज कम बैठता है। बुलेट में हर महीने सिर्फ ब्याज देना होता है और पूरा मूलधन आखिर में एक साथ चुकाना पड़ता है — मासिक बोझ हल्का, पर कुल ब्याज ज्यादा। बुलेट तब सही है जब पैसा किसी तय तारीख पर आना हो। अगर वह पैसा समय पर न आया और लोन बार-बार बढ़ाना पड़ा, तो हर बार नई जाँच और स्टांप खर्च लगता है।
HDFC Bank से गोल्ड लोन कितनी जल्दी मिल जाता है?
HDFC Bank में गिरवी रखने से लेकर पैसा मिलने तक का काम आमतौर पर उसी दिन पूरा हो जाता है, बशर्ते शाखा में मूल्यांकन करने वाला मौजूद हो और आपके KYC दस्तावेज पूरे हों। निजी बैंकों में यह प्रक्रिया आमतौर पर तेज रहती है, पर मूल्यांकन उतना ही सख्त होता है। जाने से पहले फोन करके पूछ लें कि उस दिन मूल्यांकन की सुविधा है या नहीं।
अगर मैं HDFC Bank का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
प्रक्रिया तय है और उसमें समय मिलता है: सूचना, चुकाने का मौका, फिर सार्वजनिक नीलामी न्यूनतम कीमत के साथ। HDFC Bank मनमाने ढंग से गहने नहीं बेच सकता, और बिक्री से बकाया चुकाने के बाद जो बचे वह आपका है। असली खतरा नीलामी नहीं, बार-बार लोन आगे बढ़ाते रहना है।

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HDFC Bank gold loan — FAQs

Why does HDFC Bank charge different gold-loan rates on different schemes?
Same gold, different draw: HDFC Bank's cheaper schemes simply lend a smaller share of appraised value, and the extra buffer flows back as basis points. That's the whole spread from 9.3% to 17.9% — LTV appetite, priced honestly.
What does a HDFC Bank gold loan cost per month per ₹1 lakh?
Take the rate, divide by twelve, apply to each lakh: HDFC Bank's 9.3% floor works out to ₹775/lakh/month and its 17.9% ceiling to ₹1,492. The table above does this for ₹2–10 lakh so the counter can't do it to you.
Are HDFC Bank's advertised gold-loan rates guaranteed?
Treat 9.3%–17.9% as the honest map, not the contract: scheme, ticket size, tenure and payment-discipline conditions position you inside it. The binding number arrives on your Key Fact Statement before acceptance — read it against whatever the counter said aloud.
Can I move my gold loan from HDFC Bank to a cheaper lender later?
Yes — gold-loan refinancing is routine: close and release at HDFC Bank, re-pledge at the cheaper counter (or use a lender's takeover process where offered). The choreography needs a same-day plan and re-pledging costs a fresh round of appraisal/stamp charges — worth it when the rate gap is points, not fractions.
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