FEATURES

FEES & CHARGES



Charges

Current Charges

Loan processing charge (processing fee)

Upto 1% of disbursal amount(Inclusive of applicable Tax)

Valuation charge

Rs 250 +applicable tax up to 1.5 lacs per packet per loan

Rs 575 +applicable tax above 1.5 lacs per packet per loan

Premature closure charges (Full or Part payment)

1% on principal outstanding + applicable tax

Renewal Charges

Rs 350 + applicable tax

Delayed instalment payment charge

18% p.a. plus applicable government taxes on overdue instalment amount

Payment Return Charges

Rs. 200 + applicable tax

TOD Charges against Overdraft account

18% p.a

Stamp Duty and Other statutory Charges

As per actuals which are applicable in laws of the state.

Cibil Charges

Rs 50 per cibil report

Legal and Incidental charges.

As per actual

Auction Charges

As per Actual


​​​​​​​
​​​​​​​Rates offered to customer during the period of Oct'23 - Dec'23* ​​​​

Product Group

Bank IRR

Min

Max

Avg

GOLD LOAN

8.50%

17.45%

11.62%


Annual Percentage Rate offered to customer during the period of Oct'23 - Dec'23​​​​​​​​​*

Product Group

Bank APR 

Min

Max

Avg

GOLD LOAN

8.50%

17.46%

11.62%


Note: GST and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

All fixed rate loans up-to Rs 50 lacs, availed by Micro and Small Enterprises, will not be charged with foreclosure and Prepayment charges provided the same has been closed/part paid from own source of funds

NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursal

Loan at the sole discretion of HDFC Bank Ltd.
​​​​​
​​​​​​​*T&C- Loan Approval and ROI at the sole discretion of HDFC Bank Ltd

Apply for Gold Loan online at Attractive interest rate and minimal documentation requirement

DOCUMENTATION