This Article is based on HDFC Bank Offers Loan on Gold or Gold Loan offers by HDFC bank. HDFC is a Best Loan Bank in India for Gold Loan.
HDFC Bank Offer’s Loans on Gold
|HDFC Bank Gold Loan Interest Rate – 9.90% onwards per annum
|Loan Tenure – From 3 months up to 24 months.
|Processing Fee – 1.5% + GST
About HDFC Bank Gold Loan
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A gold loan is a secured form of loan, as you pledge gold as collateral for taking the loan. This kind of loan is popular in India as it is quick and hassle-free.
Gold loans usually have lower interest rates than other loans (for example, personal loans, business loans). With a gold loan from HDFC Bank, you can capitalize on your dormant gold assets and get cash in them. HDFC Bank Gold Loan helps you to optimize your investment in gold.
Best Loan Offers on Business Loan – HDFC Bank
How much Gold Loan can I get from HDFC Bank?
HDFC Bank offers their customers Gold loans from Rs 25000 to Rs 1 crore.
How much time does it take for Gold Loan approval in HDFC Bank?
The HDFC Gold Loan is designed as an over-the-counter loan. If you are eligible for the basic criteria, it is possible to approve your Gold Loan within 1 hour.
HDFC Bank – Eligibility Criteria for Gold Loan
- An applicant must be an Indian resident.
- Your age must be over 18 and under 70.
- Applicants Must have 18 carats to 22-carat gold ornaments.
HDFC Bank – Interest rate for Gold Loan
The interest rate of the HDFC Bank Gold Loan is starting from 8.85% per annum up to 17.10%. Though, in some cases, the interest rate depends on the Credit Score of the Applicants.
HDFC Bank – documents required for Gold Loan
Here are some requires documents to apply for HDFC Bank Gold Loan:
- One Passport Size Photograph
- PAN Card or Form 60
- Driving license
- Voters’ ID Card
- Aadhaar Card
- Agri Allied Occupation Documentation(For agriculture customer)
Who can take Gold Loan from HDFC Bank?
An Indian resident between the ages of 21 to 60 years who is a businessman, trader, farmer, a salaried or self-employed person is eligible to apply for gold through HDFC Bank.
How to get Gold Loan from HDFC Bank?
If you meet the eligibility criteria, You can get an HDFC Bank gold loan Online by visiting their official website or visiting the nearest Branch. My recommendation is to get this loan from the Branch.
How to apply Gold Loan – HDFC Bank?
There are 2 ways you can get HDFC Bank Gold Loan
Online Method for HDFC Gold Loan
For the online process, you can visit the official website of HDFC Bank and apply for gold. Alternatively, you can make a missed call to HDFC Bank at their customer service number 1800-258-3838.
Offline Method for HDFC Gold Loan
For the offline process, you can visit the nearest HDFC Bank branch and fill out the HDFC Bank Gold application form.
You can also apply for HDFC Bank Gold Loan in online marketplaces like Myloncare, where you can offer Gold Offer with HDFC Bank. Choose the other top provider and the best option for you.
HDFC Bank Gold Loan: Feature & Benefit
Loan Amount: Applicants can avail of consideration with the help of HDFC Bank as per their requirements for convenience.
Quick Approval: Loans are approved quickly without any delay due to a lack of documentation.
Multipurpose loan: Applicants can use the loan amount for their financial needs which is real.
Security: Gold has a three-level ceiling system for safety.
Competitive Interest Rates: Banks offer competitive interest rates and offer special rates to customers in certain situations.
Transparency: The bank maintains complete transparency for any charges between the customer and the bank.
Prepayment: Anyone can prepay a loan without the additional charge of prepayment.
Flexibility: price and term depend on the customer’s budget.
Details about HDFC Bank Gold Loan Schemes
Here are the 4 Gold Loan Schemes provide by HDFC Bank
- Gold Loan with EMI option
- Gold Loan with Bullet repayment option
- Gold Loan with Overdraft facility
- Gold Loan for Agriculture
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Content Ref: official Website of HDFC