How to take Gold Loan from HDFC Bank?

HDFC Gold Loan: Like other banks, HDFC Bank provides gold loan facility to the customers at attractive interest rates. If you need urgent money then you can join with HDFC Gold Loan. When we take a loan by pledging our gold ornaments, ornaments or gold coins, then it is a gold loan.

in present time HDFC Gold Loan Interest Rate 7.60% p.a. starts with. You can meet any of your needs like marriage expenses, medical emergency, higher education, for traveling, renovating the house etc. HDFC Gold Loan can take advantage of.

In this article, we will know the complete information about HDFC Gold Loan in detail, so you are requested to read this article till the end.

HDFC Gold Loan in Hindi

The loan amount of this loan starts from Rs.25,000. You can take this gold loan for a long tenure of 24 months. If your CIBIL score is very good and you are an existing customer of the bank, then you can take advantage of the attractive gold loan interest rate of HDFC Gold Loan.

You can apply for this loan both online and offline. You can get a loan in just 45 minutes with minimal documentation and transparent charges.

HIGHLIGHTS:

loan name	HDFC Gold Loan 2022
Bank	HDFC Bank
loan amount	Minimum Rs. 25,000
loan tenure	up to 24 months
processing fee	1% of loan amount
Rate of interest	Starting from 7.60% p.a.
foreclose fee	Foreclosure before 6 months: 2% + GST After 6 months: Nil
Application Mode	online / offline
official website	www.hdfcbank.com

HDFC Gold Loan interest rate 2022

HDFC Gold loan interest rate starts from 7.60% p.a. Gold loan interest rate may vary depending on the applicant’s credit history, income, employment status, purity of gold, etc.

If your credit score is very good and you fulfill all the conditions of HDFC Gold Loan then you can get Gold Loan at low interest rate.

Benefits and Features of HDFC Gold Loan

• Any person can take advantage of this loan for any purpose.
• If you fulfill all the conditions of the bank then you can get a gold loan in just 45 minutes.
• Attractive interest rates.
• fast processing.
• The minimum loan amount that can be taken under HDFC Gold Loan is Rs 25000.
• HDFC Bank Gold Loan Under this, you can get the loan amount according to your need.
• The loan tenure of HDFC Gold Loan ranges from 3 months to 24 months.
• No hidden charges.
• You can foreclose or prepay your gold loan but for this you have to pay a fee which is 2% + GST. You have to pay this fee only if you are foreclosing the loan before 6 months. If you foreclose after 6 months then you do not have to pay any fee.
• HDFC Gold loan processing fee is up to 1% of the loan amount.
• With the help of HDFC Gold Loan Calculator, you can calculate the EMI of your loan, which will help you to know how much installment you will have to pay at the time of loan repayment.

HDFC Gold Loan Eligibility

The eligibility to apply for HDFC Bank Gold Loan is as follows:

• Any person who is in urgent need of money can apply for this loan.
• To take a gold loan, you have to mortgage your gold, which can be gold ornaments, ornaments or gold coins.
• Businessman, trader, farmer, a salaried or self-employed is eligible.
• Applicant must be an Indian resident.
• Applicant’s age should be between 21 to 60 years.

HDFC Bank Gold Loan Documents required

To apply you must have the following documents:

• one passport size photo
• pan card
• Form 60
• Passport
• driving license
• Voter ID Card
• Aadhar card
• Agriculture Allied Business Documentation (in case of Bullet Repayment for Agriculture Customers)

How to apply HDFC Gold Loan?

Eligible candidates can easily apply for this loan online and offline:

HDFC Bank Gold Loan Apply online

• After coming to the home page of the website, in the option of Loans gold loan Click on the option.
• After clicking, complete information about HDFC Gold Loan will come in front of you.
• to apply Apply Online Click on the option.
• Verify OTP by entering your mobile number.
• Then you have to give some important details.
• After you fill the online form, the bank will contact you and the loan process will be issued further.

Apply offline for HDFC Gold Loan

• To apply offline, you have to first go to your nearest HDFC Bank branch.
• Contact the bank employee who will provide you complete information about gold loan.
• Then will assess your gold and will provide you information about your eligibility, how much loan you are eligible for.
• Will verify your documents.
• You have to fill a form and attach the documents with it and submit it to the bank there.
• If your loan is approved then the loan amount will be transferred to your bank account.

HDFC Bank Gold loan Fees & Charges

processing fee	1% of loan amount
assessment fee	Rs.250 + applicable tax up to Rs.1.5 lakh per packet per loan Applicable tax above Rs 575 + 1.5 lakh per packet per loan
foreclosure charges	1% + applicable taxes
Stamp duty and other statutory charges	on the real
renewal processing fee	Rs.350 + applicable taxes
auction fee	according to actual
prepayment fee	1% + applicable taxes
Cheque / ECS / SI / Swapping Charges	Rs 200 + GST
bounce fee	Rs 200 + GST
Legal and collection fees	on the real
CIBIL Report Copy Fee	50 rupees
Duplicate Amortization / Repayment Schedule Fee	Rs 200+ GST
TOD Fee (Overdraft)	18% per annum
default interest/penalty	2%

HDFC Gold loan Customer Care Number

• Customer Care : 1800 202 6161 / 1860 267 6161

Conclusion

In this article we have you HDFC Gold Loan in Hindi Provided complete information about. Any person who is in urgent need of money can apply for this HDFC Gold Loan.

You can get information about HDFC Gold Loan on Gram 2022 with the help of gold loan calculator. If you want to get any other information about this loan, then you can get information by calling on HDFC Bank customer care number.

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