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  • HDFC Bank Gold Loan Instant Cash Finance Service - gold loan - Buy Online at SHIVAM MAURYA

HDFC Bank Gold Loan Instant Cash Finance Service

Gold Loan HDFC BANK Services Available


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HDFC Bank Gold Loan is a secured finance solution that lets you unlock the value of your gold jewellery without selling it, ideal when you need money fast. It suits salaried individuals, self-employed professionals, traders and homemakers seeking funds for business, education, weddings, medical or other personal expenses. With simple documentation, fast approval, flexible repayment and digital support, it offers instant liquidity while your gold remains safe in the bank’s vaults. Customers in Bahariya Sikandra Allahabad can enjoy transparent charges, doorstep assistance in select locations and professional guidance from trained staff. This convenient gold loan helps manage emergencies, plan business growth and meet life goals without disturbing savings, investments or long-term plans.

Instant approval and quick cash disbursal on gold
High loan value against pledged gold jewellery
Competitive interest rates with flexible tenure options
Minimal documentation and simple eligibility process
Secure vault storage for your pledged gold ornaments
Prepayment and foreclosure with low or zero charges

Visit the nearest HDFC Bank branch or authorised gold loan desk with your KYC documents and gold jewellery. Ask for a gold loan evaluation and get your ornaments weighed and valued. Choose your preferred loan amount and tenure, sign the agreement, and receive funds instantly in your account or via cheque. Repay through EMIs, bullet payment or flexible part-payments as per your plan, then collect your gold after full repayment.

A gold loan is a secured loan where you pledge your gold jewellery to the bank in exchange for instant funds. The bank evaluates the purity and weight of your gold, approves a loan amount based on its value, and keeps the gold safely. You repay the loan with interest, and your gold is returned after full repayment.

For an HDFC Bank gold loan, there is generally no strict minimum salary requirement because it is secured against your gold. Approval mainly depends on the purity and value of your gold ornaments and your basic KYC. Salaried, self-employed, homemakers and pensioners can all apply, even with irregular income, subject to bank policy.

The minimum gold required for a gold loan depends on the bank’s internal policy, but usually even small quantities of eligible gold jewellery can be accepted if they meet minimum loan value criteria. In HDFC Bank, the loan amount is calculated based on weight and purity, so you can start with modest gold holdings and still get usable funds.

HDFC Bank gold loan tenure typically ranges from a few months up to a few years, depending on the specific product variant and your requirement. Many borrowers choose tenures between 3 and 24 months for flexibility. You can repay through EMIs, bullet repayment or part-payments, as per the loan scheme offered by the bank.

The gold loan amount on 10 grams of gold depends on purity, current gold price and the loan-to-value (LTV) ratio allowed by RBI and the bank. HDFC Bank will test purity and then apply its LTV to arrive at an eligible loan amount. You receive a percentage of the gold’s value, not the full market price.
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