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 |
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