Gold Loan Per Gram in HDFC: How Much Can You Get?

Ever wondered how much money you can get for each gram of gold if you walk into HDFC Bank? It’s a question that pops up every time someone thinks of turning their gold into quick cash, whether it’s for school fees, a big family event, or that annoying emergency you didn’t see coming.

HDFC doesn’t have a single flat rate for every gram. The rate depends on the day’s gold price, the purity of your jewelry, and a few other rules. Today, for example, HDFC might offer anywhere from ₹3,200 to ₹4,000 per gram. If you have 20 grams, you could unlock ₹64,000 to ₹80,000 with just a quick visit—of course, this is only an estimate because the rates change daily and your gold piece gets checked for purity.

Don’t just show up with your jewelry though. There are a couple of things you need to know to get the best deal. For instance, HDFC often needs at least 18-carat purity, and they’ll check your ID and address proof. Bring the original jewelry—no coins or bars, just to be safe. It all sounds technical, but I promise, if you know what gold rates HDFC is using that day, you can walk out of the branch with more money and less confusion.

• Gold Loan Per Gram: Quick Overview
• How HDFC Decides Your Loan Amount
• What Impacts Gold Loan Rates?
• Real Rates: What HDFC Offers Today
• Tips to Get Maximum Loan Value
• What Happens When Gold Prices Change?

Gold Loan Per Gram: Quick Overview

So, how much can you actually get from HDFC for one gram of gold? It’s not a guessing game—there’s a clear system. The amount you get for a gold loan per gram depends on two things: the current gold price in India and the purity of your gold. HDFC uses the day’s official gold rate, usually based on the price for 22-carat gold, and then applies their own Loan-to-Value (LTV) percentage, which as of May 2025 is typically capped at 75% due to RBI guidelines.

This means if the gold rate is ₹5,400 per gram, HDFC can lend up to ₹4,050 per gram (that’s 75% of the value). But most customers see a figure between ₹3,200 and ₹4,000 per gram, depending on what kind of jewelry they bring and its exact purity.

This chunk of money can come in really handy for urgent needs, and the process is usually much faster compared to typical bank loans for personal use. HDFC even lets you know right away how much you qualify for after checking your jewelry in person.

“Gold loans are driven by real-time prices and RBI rules. On any given day in India, no bank can lend more than 75% of the gold’s value, keeping it fair for both banks and borrowers,” — The Economic Times.

If you’re checking rates for a HDFC gold loan rate or hunting for the most cash possible, knowing this structure means no surprises at the counter. It’s all about the math: gold weight x HDFC’s per gram value that day x purity.

How HDFC Decides Your Loan Amount

There’s no mystery formula—HDFC uses a straight-up process to figure out your gold loan per gram. It all starts with the gold you bring in. They look at the purity, weigh it, and then line up that weight with current market rates. The purest gold (22 or 24 carat) fetches you more cash per gram, while anything less drops the value a bit. Usually, HDFC doesn’t take coins or bars—just jewelry. They need at least 18 carat purity, but honestly, the closer to 22 carat, the better the offer.

The next step is multiplying that net weight (after taking out any stones or clips) with their gold rate for the day. The gold rate HDFC uses is often based on the average market price from the last 30 days, not some random number. So, even if gold prices jump for a day, you may not see a massive spike in how much you get. The Reserve Bank of India (RBI) actually sets a max Loan-to-Value (LTV) ratio—right now, it’s capped at 75%. That means, if your jewelry’s worth ₹1 lakh, HDFC can lend you up to ₹75,000 against it.

Here’s how it plays out in the branch:

• You hand over your jewelry for testing and weighing.
• The staff checks purity—most branches use a quick machine for this so you’re not left guessing.
• They check the net weight (excluding non-gold parts).
• They apply the current HDFC gold loan rate per gram, based on that day’s price.
• They multiply the eligible weight by the rate, and apply the 75% cap to get your maximum loan limit.

If you’re wondering about paperwork, you only need basic stuff: your Aadhaar card, PAN card, and a passport photo. Sometimes, an address proof is needed too. HDFC usually processes things quickly—sometimes even in under 30 minutes, which is honestly a lifesaver when an emergency hits.

The bottom line: HDFC’s method is super clear, and if you know your gold’s weight and purity, you can pretty much estimate how much you’ll walk out with. Just keep in mind—better purity, better weight, and updated market rates always work in your favour.

What Impacts Gold Loan Rates?

Gold loan rates in HDFC aren’t plucked out of thin air. There are a few solid reasons why you might get offered ₹3,200 per gram one week and ₹4,000 the next. If you want to get the best gold loan per gram rate, keep these key points in mind:

• Gold Price in India: This one’s obvious—when the global or local gold rates increase, so does the amount you can borrow. HDFC pegs their gold loan per gram directly to the current gold rate. Websites like the Indian Bullion and Jewellers Association publish daily rates that banks use.
• Purity of Your Gold: HDFC only accepts gold jewelry that’s at least 18 karat. Purity makes a big difference; 22K gold earns you a higher loan amount per gram than 18K. If you’ve got old family jewelry, know that any stones or metal mixed in will drop the actual value HDFC counts.
• Loan-to-Value (LTV) Ratio: The RBI sets the max LTV at 75%. This means you can’t get a loan for more than 75% of your gold’s market value. If a gram of gold is worth ₹4,000 and LTV is 75%, the max loan per gram would be ₹3,000.
• Bank Policies and Competition: Sometimes, HDFC will tweak their rates to keep up with other banks or because of their own risk policies. If gold prices are volatile, you might find HDFC being cautious and offering slightly lower amounts per gram.

The RBI’s circular on regulating LTV is strict. As said on RBI’s site,

“No bank shall lend more than 75 percent of the value of gold ornaments and jewellery.”

On top of this, the market mood matters. During big festivals or economic uncertainty, gold prices often jump, letting you unlock higher loan rates per gram. Just don’t forget—banks will always deduct some value for impurities, so your payout might be a bit less than online gold calculators suggest. If possible, get your jewelry tested at a reliable place before heading to the bank. It saves arguments and time later.

Real Rates: What HDFC Offers Today

If you're trying to find out exactly how much HDFC will hand over per gram for your gold, you really have to look at the day's gold loan per gram rates. Banks like HDFC update these rates almost daily, and there's no universal figure locked in for the whole year. As of May 4, 2025, HDFC's rates hover between ₹3,200 and ₹4,000 per gram, but the final number depends on a few key things: today's gold spot price, how pure your gold is, and the current policies set by the bank and the Reserve Bank of India.

HDFC uses the latest gold price in the Indian market for their calculations. They usually lend up to 75% of your gold’s value (that’s the 'Loan-to-Value' or LTV ratio). So, if gold today is ₹5,200 per gram in the market, and your jewelry is 22 carat, the bank may offer up to ₹3,900 per gram (that’s 75% of ₹5,200). For 18 carat gold, your per-gram amount drops because it’s less pure.

The HDFC gold loan rate is rarely the highest you’ll find, but the process is fast and the brand is trustworthy. And remember, they won’t loan against coins, bars, or gold bought outside India—only your regular gold jewelry is eligible. Rates may dip or rise based on gold’s movement in the market or changes by the RBI. You can always check HDFC’s official site or the nearest branch for today’s live rates before heading over with your gold.

Something plenty of people don’t realize: If the gold rate has jumped (like it did back in February 2024, when prices spiked 5% in a week), your eligible loan amount jumps, too. If prices fall, don’t be surprised if you get less. So, timing your visit for when gold prices are up could put more cash in your hand for the exact same chain or ring.

Tips to Get Maximum Loan Value

If you’re serious about getting the highest gold loan per gram in HDFC, there are a few tricks you should know. Here are the things that can make or break your final amount:

• Always bring higher-karat gold: HDFC typically lends more for 22-carat or 24-carat pieces. If your jewelry is only 18-carat, you’ll get less money because the purity is lower.
• Clean your gold beforehand: Old, dirty, or tangled jewelry can weigh less and the bank’s valuation might go down. Give those chains and bangles a quick clean—they'll shine, and so can your loan payout.
• Know the day’s gold rate: HDFC updates gold loan India values daily. If you see gold prices are peaking, that’s your best chance to lock in a bigger amount per gram.
• Check the loan-to-value (LTV) ratio: By RBI rules, banks in India (including HDFC) can give up to 75% of the gold’s current market value. Push for the highest LTV allowed if you’re reading the rates yourself. If the branch offers you lower, ask if their policy has changed.
• Bring all documents: Don’t let paperwork slow you down or cause a low offer. Carry valid photo ID (like Aadhaar or PAN), address proof, and sometimes a recent photograph.
• Pick proper jewelry: HDFC accepts mostly gold jewelry, not coins or bars. Big, solid pieces usually get better valuations than those with lots of gems or non-gold parts (they may deduct those parts).
• Negotiate charges: Always ask about processing fees and storage charges. Sometimes they’re open to waiving or reducing them, especially if your loan amount is high.

If you want to see how that breaks down, here's an example of loan value by gold purity for today’s rates at HDFC:

So if you have two rings—one 24-carat and one 18-carat—you’ll see a big difference in how much cash you walk away with. Every little detail matters when it comes to HDFC gold loan rates, so double check things before handing your gold over the counter.

What Happens When Gold Prices Change?

If you’ve ever watched the news ticker or checked your phone for gold prices, you know they never sit still. Up, down, sometimes more than ₹100 in a single day. So, when it comes to a gold loan per gram in HDFC, that price swing isn’t just a number—it affects exactly how much money you’ll get when you hand over your gold.

HDFC recalculates the gold loan rate per gram nearly every day, in line with the latest market prices (they usually use the today’s price set by IBJA, which is the Indian Bullion and Jewellers Association). Here’s what actually happens if gold prices move up or down while your loan is running, or before you take the loan:

• If prices go up: The amount HDFC offers per gram jumps too. That means, for the same bangle or necklace, you could get more money compared to last week. Always check the day's rate before pledging.
• If prices fall: Your approved loan value per gram drops. So, you might get less cash if the rates slip between the day you check online and the day you actually walk into the bank.

Let’s look at a sample to give you some real perspective:

So, if your neighbor locked in their HDFC gold loan last week, don’t assume you’ll get the same amount per gram if you wait a few days. Markets move fast.

Worried about ongoing price changes after your loan is approved? The good news—once your loan is sanctioned, your loan value won’t drop, even if prices crash the next day. But if gold prices fall dramatically and stay low, HDFC might ask for extra margin money or partial repayment if your outstanding balance goes higher than the new gold value—a rare case, but good to know.

Bottom line: Always check the day’s gold loan rate per gram right before pledging. And if the price is rising, it could be smart to wait a day or two before heading to the bank.