HDFC Gold Loan Rate – What You Need to Know
When looking at HDFC gold loan rate, the interest percentage HDFC Bank charges for loans secured against gold ornaments or bars. Also known as HDFC gold loan interest, it plays a crucial role in personal finance planning for many Indians.
Another important entity is Gold loan interest rate, the broader metric that varies across banks and market conditions. Eligibility criteria, the set of requirements borrowers must meet to qualify and Loan tenure, the period over which the loan is repaid are closely tied to the central topic. Finally, Collateral value, the appraisal of gold used as security determines the loan‑to‑value ratio and influences the rate.
Key Factors to Consider
The HDFC gold loan rate isn’t static; it reacts to RBI policy changes, gold price fluctuations, and the bank’s risk appetite. In 2025 the headline rate hovers around 7‑9% for regular customers, but senior citizens or high‑value borrowers can see rates as low as 6.5%. Compared with other lenders, HDFC often offers a slightly lower LTV (up to 75%) but compensates with competitive processing speed.
Eligibility hinges on age (18‑70), Indian residency, and clear title of the gold. Documentation usually includes PAN, Aadhar, address proof, and a recent gold valuation report. Those with a solid credit history may negotiate better terms, while first‑time borrowers should expect a stricter assessment.
Loan tenure typically ranges from 6 months to 5 years. Shorter tenures attract lower interest because the bank’s exposure is limited, whereas longer tenures spread the repayment burden but cost more in total interest. HDFC allows partial pre‑payment without penalty, which can shave years off the loan if you have surplus cash.
Collateral value is calculated on the market price of gold on the day of appraisal, multiplied by the LTV factor. For example, if your gold is worth ₹5 lakh and the LTV is 75%, you can borrow up to ₹3.75 lakh. The bank may ask for a margin of safety, especially if gold prices are volatile, which means you might receive a slightly lower amount than the pure math suggests.
Putting all these pieces together, you can decide whether HDFC’s offering fits your financial goals. Below you’ll find articles that break down the current rate trends, walk you through the eligibility checklist, compare tenure options, and share insider tips on maximizing the loan amount while keeping interest costs low. Dive into the collection to fine‑tune your gold loan strategy and make an informed choice.

Gold Loan Per Gram in HDFC: How Much Can You Get?
Find out how much gold loan you can get per gram from HDFC today. This article breaks down the exact rates, what affects them, and gives you tips to get the best deal. Learn about documents needed, gold purity rules, and what to do if gold prices change. It’s all packed with clear, useful info so you know what to expect. No jargon or fluff—just what you need to make a smart decision.
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