Gold Loan

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Gold Loan

An urgent financial requirement may arise at any point for your business or personal needs, leading you to seek immediate financial assistance. An instant gold loan is an easy and quick way to get the required finance in such a circumstance. Your gold investments can always come in handy, instead of lying dormant in your locker.

A gold loan from HDB Financial Services is the ultimate solution for any urgent financial needs. For availing loan against gold, you just need to pledge your gold jewellery or ornaments with us. Once you repay the gold loan amount with interest or charges (if any), your gold jewellery or ornaments are returned to you.

We offer gold loan finance at attractive interest rates, while ensuring optimum safety and security for your gold jewellery or ornaments with us. Experience a hassle-free repayment tenure with flexible repayment options.

Apply for a gold loan online at HDB Financial Services.


Calculate your Loan EMI instantly


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0 |
25L |
50L |
75L |
100L |
125L |
150L |
175L |
200L
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36
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30

Loan EMI

₹24,959

Total Interest Payable

₹34,90,279

Total Payment
(Principal + Interest)

₹59,90,279


Opting for a loan against gold from HDB Financial Services will offer plenty of benefits:

Apply for an online gold loan or by visit your nearest HDB Financial Services branch and avail the best offer based on your financial profile.

  • Gold Loan up to 75% of gold value or Rs. 20 Lakh

    Based on your eligibility and value of the gold security provided, you can get a gold loan up to 75% of the gold value, or Rs. 20 Lakh whichever is lower. At HDB Financial Services, we strive to meet your financial needs, no matter how varied it may be.

  • Competitive Interest Rates

    Take advantage of the best competitive interest rates from HDB Financial Services. These low interest gold loans are specially customised based on your repaying capacity and your immediate financial requirements.

  • Flexible Repayment Tenure

    HDB Financial Services offers a repayment tenure up to 48 months, when eligible for a gold loan finance. EMIs are customised based on your need, to ensure unwanted financial burden.

  • Safety and Security of Gold

    At HDB Financial Services, we understand your need for optimum safety and security of your gold. We ensure that your gold is well protected with us, till the time of complete loan repayment.

Whether you are a salaried individual, professional or a businessman, we have loan designed to suit your requirement

Eligibility Criteria

  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 65 years
  • Gold jewellery should be owned by the applicant or any of the family members

Whether you are a salaried individual, professional or a businessman, we have loan designed to suit your requirement

Documents required:

  • Proof of Identity & Address Proof - (Passport / Voter's ID / Driving License/PAN Card*/Aadhar Card or Proof of possession of Aadhaar number(on Voluntary basis))
  • Signature Proof (Passport /Driving License/Banker's verification) Driving License/ Voter's ID / Utility Bill (anyone (anyone which is not more than two months old of any service provider - electricity, telephone, post-paid mobile phone, piped gas, water bill) / Registered Rental Agreement/Letter of allotment of accommodation from employer/ leave and license agreements with employers allotting official accommodation/ Credit Card Statement)
  • Date of Birth Proof (Driving License / PAN Card / Passport / Birth Certificate / 10th / 12th mark sheet bearing date of birth)
  • 2 passport size photographs

Take the next step & manage your immediate financial needs now.

How to Apply for a Gold Loan from HDB Financial Services

The loan application procedure for a loan against gold is very simple. You can apply from any of the following options:

    1. Visit our 'Apply Now' section

    1. Visit our 'Apply Now' section

  • Step 1: Fill in the personal details along with the mobile number OTP verification
  • Step 2: Fill in the Professional details
  • Step 3: Your gold loan application is accepted and our representative will get in touch with you soon


    • 2. Download our 'HDB On The Go' android app

  • Step 1: Verify the mobile number with OTP
  • Step 2: Click on 'Apply for a New Loan'
  • Step 3: Enter the required loan and applicant details
  • Step 4: Enter the required address information
  • Step 5: Complete the image/signature
  • Step 6: Your gold loan application is accepted and our representative will get in touch with you soon


    • 3. Visit your nearest HDB Financial Services Branch and get in touch with our gold loan representative at the branch.

    4. Call on our customer support number +914442984541 and apply for an instant gold loan

*HDB Financial Services Ltd may use the services of various agents on its behalf for the purpose of sales and marketing for HDB's products and services

*Terms and conditions apply, based on applicant's eligibility and financial profile.

Gold Loan FAQs

You can opt for a gold loan if any unplanned expense arises and there is a need for immediate financial assistance. Reasons can include any urgent personal or business need.
By choosing our gold loan you can get -
  • Loan up to Rs. 20 Lakh or up to 75% of the gold value
  • Attractive interest rates
  • Flexible repayment tenure and EMI options
  • Hassle - free documentation process
  • Quick loan processing and speedy disbursal
You can track the status of your gold loan application by either of following ways -
  • i. Click on 'My Account' on the website. Enter the DOB or PAN number and verify your mobile number with an OTP
  • ii. Using 'HDB - On the Go' android mobile app
  • iii. Chat with our chatbot 'Ask Priya'
  • iv. Write to customer.support@hdbfs.com
  • v. Visit the nearest HDB Financial Services branch. You can locate here
HDB Financial Services provides gold loans maximum up to Rs. 20 Lakh or up to 75% of the gold value depending on your eligibility.
HDB Financial Services may sanction a gold loan to you based on your creditworthiness, your eligibility and other internal terms and qualifications.
Only gold jewellery or ornaments are accepted as collateral or security for HDB Financial Services gold loan.
The market value of your gold jewellery or ornaments is assessed by HDB Financial Services or our empanelled vendors.
You can take a Gold Loan for any legitimate personal or business purpose. The loan cannot be used for high-risk purpose such as capital market investments, purchase of land or any anti-social purpose.
You can pay the gold loan EMI through ACH (Automated Clearing House). If you wish to avail the ACH facility, please contact your nearest branch or write to us at: customer.support@hdbfs.com or raise a service request from our mobile app "HDB on the GO".
Yes, foreclosure and part-prepayment charges are applicable. You can prepay your loan anytime during the tenure. Please visit any of our branches with a Prepayment request form as per format with supporting documents. To read more on the interest rates and charges, click here.
Yes you can get a gold loan from your closest HDB Financial Service branch. Click here to locate your closest branch.

Click here to apply for an instant gold loan now!