”Royal Finserv or its associate will never demand any money for getting the loan processed/passed. Any person/institution doing so will be solely doing at their own risk. Royal Finserv will not be responsible for this act.”

HDFC Gold Loan OFFER!*

We understand that you deserve superior banking services and products. As your banking partner, we constantly strive to serve all your aspirations and needs better. That is why we bring you a unique advantage with HDFC Bank Gold Loan.

Get Loan at Interest Rate 1%* per Month

Special features

  • One month interest free on 2 year HDFC Gold Loan; overdraft facility available
  • Safety of gold ornaments with three layered lockers at over 1000 branches across India
  • Quick processing and disbursal with easy one page documentation process

The benefits that you enjoy are

  • Unique triple layered security ensuring the safety of your gold
  • Avail 1% addition discount for all women customers
  • Over the counter product with on the spot sanction and disbursal

Key Features of HDFC Bank Gold Loan Schemes

Repayment Options > EMI Scheme, Bullet Repayment Scheme, Overdraft Scheme

Loan Tenure > 6 months to 48 months

Minimum Loan Amount > Rs. 10,000

Processing Fee > Nil

Prepayment Charges > Nil

Popular Products > Sampoorna Bharosa Gold Loan

Sampoorna Bharosa Gold Loan in just 45* minutes

  • Loan Renewal
  • Loan can be renewed at the end of the loan tenor.

  • Disbursement
  • Credit into HDFC Bank Account or DD or RTGS / NEFT / cash disbursement upto 3 Lacs for external customers.

  • End use
  • Agricultural, Business or Personal purpose. Cannot be used for purchase of Gold Coins, Gold Jewelry, purchase of land or any speculative purpose.

  • Repayment
  • Minimum 6 Months, Maximum 4 Years or 48 Months

1. How are Gold Loans different from other loans like Personal Loan or Credit Card?

Gold loan is sanctioned by accepting the gold ornaments of the customer as pledge. Personal loan is sanctioned on the basis of source of income and repayment capacity of an applicant. It is true that Gold loans, like personal loans or credit card borrowings, are often used for short term household requirements. However, in terms of the cost and ease of availing the loan, and the convenience when repaying, gold loans are a better bargain. Personal loans and credit card borrowings are unsecured loans and therefore may carry a higher rate of interest. Moreover, personal loans require considerable effort in documentation formalities and they commit you to an inflexible EMI schedule for repayment. Gold loans, on the other hand, are cheaper and can be availed of in minutes. You can also stretch the repayment to your convenience; the only requirement is that you have to service the interest periodically. Credit card borrowings may be easier to avail than even gold loans but the interest rates are prohibitive and it can lure people into a debt-trap.

2. Who is eligible to avail HDFC Gold loans? What security has to be provided?

Anyone who owns gold ornaments can avail the loan. (Note: minors are not eligible.) To obtain the loan you need to submit your gold jewellery (within a karat range of 18 to 24 k) at the branch. The loan amount that is sanctioned will be based on the gold valuation which involves verification of its purity. The weight of stones etc. fixed on the ornaments will be deducted for the purpose of valuation.

3. What is the tenor of such loans?

Our gold loan products have a range from 6 months to 24 months.

4. How long will it take for me to get my gold loan?

Once you submit your application form and supporting documents, we shall give approval within a matter of minutes provided everything is in order. All loan approvals are at the sole discretion of the branch head.

5. Why choose HDFC Bank Sampoorna Bharosa Gold Loan?

Unique triple layered security for your gold
Spot sanction and disbursal
Additional 1% discount on Rate of Interest for Preferred customer
Special interest rate for women customers
Insurance cover for your loan

So go ahead, and get your dreams in motion with an HDFC Bank Sampoorna Bharosa Gold Loan today!


  • Quick
  • Over the Counter Product –Loan disbursed in 45 minutes.

  • Easy
  • One page documentation

  • Safe
  • Unique 3 way sealing to ensure your gold is secure in our safety vault.

  • Smart
  • EMI Flexible Pricing and tenor for making a smart choice

    Target Segment

    Every Customer is an Eligible Gold Loan

However following are most prospective target segments :

  • Customers in urgent requirement of funds for their business purpose.
  • Customer in urgent requirement of funds for personal emergencies.
  • Additional funding to Home Loan customers for home renovation, home improvement, interiors, furniture etc.
  • Customers needing loan to bridge the shortfall in their PL / BL/ AL/ LAP.
  • Customers with Locker
  • Women customers
  • Farmer and Arthiyas
  • Age
    18-70 Years
  • Loan Tenor
    6-24 months
  • Excluded Collateral
    Mangalsutra, Raw Gold, Gold watches, Gold Coins and Gold Utensils
    Loan Amount
    Minimum Rs. 10,000/-
    No charges for 1 month
  • Tenure
    6 Months to 24 Months
    Processing Fees
  • Interest Rate
    1% per month
    Pre-Closure Charges
  • Documents Required
    1 Passport size photo
    Address Proof
    Cancel Cheque(for other banks)
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How we can help?

  • As one of the leading loan & finance Compant in India. Royal Finserv provides you with an unbiased platform to analyze and decide upon the available deals in the market.
  • A one-stop-shop for comparing the various rates offered by different banks/NBFCs, Royal Finserv allows you to make a calculated and knowledgeable decision by evaluating the deals based on loan amount, interest rate, repayment period, eligibility criteria etc.
  • we do provide doorstep document pickup at customers place, which can give value added services to used Car Buyers in Mumbai & many other locations in India
  • Get a professional support for Car Refinance at best competitive rates.
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Eligibility Criteria of Used Car Loan

  • Any Indian citizen in good standing who is salaried, self-employed or business person with regular source of income can apply for a home loan
  • The applicant should be above the age of 18 years if self-employed and 21 years if salaried, upto 65 years.
  • Professional stability and savings history play a major role in approval of the loan. Minimum repayment capacity should be met.
  • Must be in the current job for a period of minimum one year if salaried and minimum 2 years if self-employed/professional.
  • For Business men and Self-employed individuals, the value of loan you are eligible for is majorly determined by the profit earned by you.


  • Valid identity proof: Any one of passport /voters ID card/ driving license/ PAN card
  • Valid address proof: Any one of passport / voters ID card/ driving license/ telephone bill/electricity bill/ gas connection bills/ ration card/ LIC policy.
  • Income proof: ITR / form 16 / pay slip / salary credit bank statement.
  • Asset Proof: Latest land/building/house tax receipt
  • Recent passport size photo.
  • 2 Photographs
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