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