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Gold Loan
An urgent financial need can arise at any time, whether for personal or business purposes, prompting you to seek immediate financial assistance. In such situations, an instant gold loan provides a quick and easy solution. Instead of letting your gold investments sit idle in your locker, you can put them to use.
A gold loan from HDB Financial Services is the ideal option for addressing any urgent financial requirements. To avail a loan against gold, you simply need to pledge your gold jewellery or ornaments. Once you repay the loan amount, along with any applicable interest or charges, your gold items will be returned to you.
We offer gold loans at attractive interest rates while ensuring the highest level of safety and security for your gold jewellery or ornaments. Additionally, we provide a hassle-free repayment tenure with flexible repayment options.
Apply for a gold loan online at HDB Financial Services.
Calculate your Loan EMI instantly
Opting for a loan against gold from HDB Financial Services offers numerous benefits:
Gold Loan up to 75% of gold value or Rs. 50 Lakh
Depending on your eligibility and the value of the gold security you provide, you can avail a gold loan of up to 75% of the gold’s value, or Rs. 50 Lakh, whichever is lower. At HDB Financial Services, we strive to meet your financial needs, no matter how diverse they may be.
Competitive Interest Rates
Take advantage of some of the most competitive interest rates on gold loans from HDB Financial Services. These low-interest loans are specifically tailored to your repayment capacity and immediate financial requirements.
Flexible Repayment Tenure
HDB Financial Services offers a repayment tenure ranging from 12 months to up to 48 months for eligible gold loan applicants. EMIs are customized based on your needs to prevent unnecessary financial burden.
Safety and Security of Gold
At HDB Financial Services, we prioritize the safety and security of your gold. We ensure that your gold is well-protected with us until the loan is fully repaid.
Paperless Journey:
A fully digital customer on boarding process, featuring eKYC, eSign, and eMandate.
Gold Loan Valuation Process: A process followed by the NBFC and as required under the RBI norms is to evaluate the purity along with net weight of the gold jewellery / ornaments provided by the customer to pledge against the loan amount required. The process is majorly divided in multiple steps:
- Determination of Net Weight: The evaluation of jewellery or ornament is done in the presence of the client. Any weight from stones, beads, lac, enamel, solder, or other non-gold components is deducted from the gross weight of the jewellery / ornament. The net weight of the pure gold content is utilized for valuation
- Purity Assessment: The purity of the jewellery or ornament is assessed using standard assaying techniques. Based on the result, the equivalent purity in carats is recorded.
- Price Used for Valuation: Gold accepted as collateral shall be valued based on the reference price corresponding to its actual purity (caratage). For this purpose, the lower of (a) the average closing price for gold of that specific purity over the preceding 30 days as published by the Indian Bullion and Jewellers Association Ltd. (IBJA). , or (b) the closing price for gold of that specific purity on the preceding day, as published by the Indian Bullion and Jewellers Association Ltd. (IBJA).
Whether you are a salaried individual, professional or a businessman, we have a loan designed to suit your requirement
Eligibility Criteria
- Minimum age of applicant: 21 years.
- Maximum age of applicant at loan maturity: 70 years.
- Gold jewellery should be owned by the applicant or any of the family members.
- Gold Jewellery (18K-22K) only.
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 / Aadhaar Card or Proof of possession of Aadhaar number (on Voluntary basis).
- Signature Proof (Passport / Driving License / Banker's verification) Driving License / Voter's ID / Any one utility bill (electricity, telephone, post-paid mobile, piped gas, or water) dated within the last two months. 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.
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Gold Loan for Immediate Liquidity Against Your Assets
A gold loan is a secured financing solution that enables individuals to unlock the value of their gold jewellery to meet immediate financial needs. Whether it is for managing short-term expenses, addressing medical emergencies, supporting business requirements, or handling personal commitments, a gold loan provides quick access to funds while retaining ownership of the pledged asset. With a simple evaluation process and minimal documentation, it is designed for speed, convenience, and reliability. Since the loan is backed by gold, approval timelines are typically faster compared to other forms of credit, making it a preferred option during urgent financial requirements.
Strategic Benefits of a Gold Loan in India
A gold loan in India offers a reliable way to access funds by leveraging idle gold assets. It is widely used for short-term financial needs such as emergency expenses, business cash flow support, or planned personal expenditures. As a secured loan, it enables quicker processing and predictable funding, making it a dependable option during urgent requirements. The loan amount is determined based on the purity and weight of the gold, subject to applicable policies, ensuring a transparent and asset-linked funding structure.
Why a Gold Loan Is an Efficient Short-Term Financing Option
A gold loan is designed to provide immediate liquidity with minimal complexity. Since the loan is secured against gold jewellery, it reduces dependency on extensive income documentation and long approval cycles. This makes a gold loan a practical choice for individuals seeking short-term liquidity without undergoing complex credit processes. Borrowers can also structure repayment based on their financial situation, allowing flexibility in managing obligations and ensuring cash flow gaps are filled without disrupting long-term financial planning.
Quick Processing and Disbursal
Gold-backed loans are typically processed faster due to simplified evaluation based on gold purity and weight, enabling access to funds within a shorter timeframe. This streamlined approach ensures that the borrower receives the required capital exactly when it is needed most, bypassing the lengthy verification steps associated with unsecured personal loans.
No Need to Liquidate Assets
Borrowers can access funds without selling their gold, allowing them to retain ownership while meeting financial needs. This is a significant advantage for those who hold emotional value in their jewellery or view gold as a long-term investment. Once the loan is repaid, the asset is returned safely, ensuring your wealth remains intact.
Common Use Cases for Gold Loans
Gold loans are often utilised across a range of personal and business requirements where quick access to funds is essential. Because there are typically no restrictions on how the funds are used, they offer a versatile solution for various life stages and business cycles.
Emergency Financial Requirements
Gold loans are highly suitable for addressing urgent needs such as medical expenses or unexpected financial obligations. When time is of the essence, the rapid disbursal of a gold loan provides the necessary peace of mind to handle crises effectively.
Business and Cash Flow Support
These loans help small business owners manage working capital requirements or temporary cash flow gaps. Whether it is purchasing raw materials or meeting payroll during a slow month, leveraging gold can keep business operations running smoothly without the need for high-interest business credit.
Personal and Household Expenses
Gold loans can be used for planned expenses such as education, travel, or other personal commitments. They offer a cost-effective way to fund life’s milestones without liquidating other investments or disturbing existing savings accounts.
Key Considerations Before Applying for a Gold Loan
Before opting for a gold loan, it is important to assess repayment capacity and loan tenure preferences. Understanding how the loan amount is determined based on gold valuation, along with applicable charges and repayment options, can help in making an informed decision. A structured approach ensures that the loan remains a short-term financial solution without creating long-term financial strain. When used responsibly, a gold loan serves as an efficient way to address cash flow gaps while keeping your future financial security protected.
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:- Step 1: Enter your mobile number and verify it by entering the OTP (One-Time Password) sent to your phone.
- Step 2: Provide your occupation and KYC details.
- Step 3: Once your Gold Loan application is submitted, our representative will get in touch with you shortly.
- Step 1: Open the app and enter your mobile number
- Step 2: Verify using the OTP received
- Step 3: Tap on ‘Apply for New Loan’ or ‘Pre-Approved Loans’ (if eligible)
- Step 4: Fill in required details – loan amount, purpose, PAN and employment information
- Step 5: Upload KYC documents and income proof (as applicable)
- Step 6: Submit your application for instant processing
2. Apply via ‘HDB OnTheGo’ App
Download the ‘HDB OnTheGo’ app from the Play Store or App Store to experience a seamless personal loan journey.
Enjoy a fully digital and paperless loan experience. Pre-approved users can get loans with minimal documentation and instant disbursal.
3. Visit the Nearest Branch
Prefer face-to-face assistance? Visit your nearest HDB Financial Services branch and speak to our Gold loan representative for personalized support.
4. Apply by Phone
Call our customer support team on +91-4442984541 and
apply for a 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
- Loan up to ₹50 Lakh or up to 75% of the gold value, whichever is lower
- Attractive interest rates
- Flexible repayment tenure and EMI options
- Hassle-free documentation process
- Quick loan processing and speedy disbursal
- i. 'My Account' section on the website: Enter your Date of Birth or PAN number and verify your mobile number with an OTP.
- ii. 'HDB - OnTheGo' 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.
Click here to apply for an
