Gold Loan
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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. 30 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. 30 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 30 days 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.
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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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 ₹30 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 instant gold loan now!
