HDFC Bank Gold Loan Per Gram: Purity-Wise Advance on Today's Price

On today's indicative reference (₹11840/g for 24k, updated 2026-09-01), RBI's 75% cap puts the maximum advance near ₹8,134/gram for 22k jewellery — with HDFC Bank's scheme LTVs and its 9.3%–17.9% band deciding where your quote lands.

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.

HDFC Bank's per-gram ceiling, priced in its own rates

PurityMax advance/gInterest/g/mo @ 9.3%@ 17.9%
24k ₹8,880 ₹69 ₹132
22k ₹8,134 ₹63 ₹121
20k ₹7,397 ₹57 ₹110
18k ₹6,660 ₹52 ₹99

*Indicative national reference, updated 2026-09-01; 24k coins/bars face quantity limits at banks. HDFC Bank's scheme LTVs may sit below the cap.

Read the two interest columns as HDFC Bank's real spread: a 40-gram 22k pledge maxing near ₹3,25,360 costs ₹2,520 a month at the 9.3% floor and ₹4,840 at the 17.9% ceiling — the scheme card, not the gold, decides which meter runs.

What changes between this page and HDFC Bank's branch

HDFC Bank's scheme ladder means the max-advance number belongs to its highest-rate scheme; the counter's cheaper slabs deliberately offer less per gram. Decide which side of that trade your need sits on before the appraiser asks.

HDFC Bank's signature structure here is 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.

One tier favours small borrowers: RBI's 2026 rules let ≤₹2.5 lakh consumption pledges reach 85% LTV and ≤₹5 lakh reach 80% — meaning a ₹25,000-sized loan at HDFC Bank can out-advance this 75% table. Larger tickets live under the cap, no exceptions.

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HDFC Bank gold loan — FAQs

How much does HDFC Bank give per gram of 22k gold today?
Against today's indicative 24k reference of ₹11840/g, 22k content values at about ₹10,845/g — and RBI's 75% cap makes the maximum advance roughly ₹8,134/gram. HDFC Bank's actual offer depends on its scheme LTVs and the appraiser's purity reading; treat this as the ceiling, not the counter quote.
Why did the appraiser value my jewellery lower than this page?
Because tables can't assay: the branch valuation subtracts stones and attachments (zero lending value), tests actual purity rather than trusting stamps, and applies HDFC Bank's scheme LTV which may sit under the 75% cap. Net weight × assessed purity × scheme LTV — that product is your quote, and it only moves down from here.
Does the per-gram rate change daily at HDFC Bank?
Yes — the advance is a derivative of the metal: HDFC Bank refreshes per-gram guidance with the day's price, so a quote from last week is a memory, not an offer. Price run-ups work for existing borrowers too; several lenders will re-appraise a live pledge upward on request.
Can I get more than 75% of my gold's value as a loan?
On small consumption loans, yes: RBI's 2026 directions permit up to 85% LTV for loans up to ₹2.5 lakh and 80% up to ₹5 lakh — above that, the 75% cap binds. No legitimate lender exceeds these ceilings; offers that do are either mispriced schemes you're misreading or counters to walk out of.
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Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.