FEATURES
FEES & CHARGES
Charges | Current Charges |
Loan processing charge (processing fee) | Maximum 1% of Disbursal Amount + Applicable Taxes |
Valuation charge | Rs 300 +applicable tax for loan amount up to 1.60 lacs per packet per loan |
| Rs 700 +applicable tax for loan above 1.60 lacs - Upto 10 Lacs per packet per loan | |
Rs 900 +applicable tax for loan above10 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 |
# If you pay your EMI after the due date, interest will be charged on unpaid EMI for the number of days you are late. This interest is calculated at your loan’s contracted rate and will be added to your next EMI.
Example:
📅 EMI Due Date: 10th
💰 Payment Made On: 25th
⏳ Delay: 15 days
💸 Impact: Interest for these 15 days will be added to your next EMI.
Please pay on time to avoid this.
Rates offered to customer during the period of Q2-FY'24-25 - Jul'24- Sept'24*
Product Group | Bank IRR | ||
|---|---|---|---|
Min | Max | Avg | |
GOLD LOAN | 9.30% | 17.86% | 11.91% |
Annual Percentage Rate offered to customer during the period of Q2-FY'24-25 - Jul'24- Sept'24*
Product Group | Bank APR | ||
|---|---|---|---|
Min | Max | Avg | |
GOLD LOAN | 9.30% | 17.88% | 11.92% |
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