In the high-stakes financial environment of 2026, liquidity is king. With gold prices stabilising at historic highs, the latent wealth sitting in Indian lockers has never been more valuable. While public sector banks offer lower rates, private options like HDFC Bank gold loans dominate the market for a different reason: Speed and Efficiency.
For borrowers who cannot wait for days of processing, HDFC Bank’s promise of a 45-minute disbursal is a game-changer. But speed shouldn’t come at the cost of value. Understanding the HDFC gold loan per gram rate today is essential to ensure you are getting the maximum mileage out of your assets.
Read on to learn more about HDFC Bank’s gold loan offerings for 2026, breaking down the per-gram valuation, hidden charges, and the specific repayment structures available to you.
HDFC Gold Loan Per Gram Rate 2026
The HDFC gold loan per gram is not a static figure printed on a brochure; it is a dynamic calculation derived from the daily market price of gold. HDFC Bank typically funds up to 75% of the gold’s market value (Loan to Value or LTV ratio), adhering to regulatory caps.
Based on the current market trends in February 2026, here is the estimated valuation you can expect:
| Gold Purity | Estimated Market Price (Per Gram) | Estimated Loan Amount (Per Gram) |
| 22 Carat | ₹14,912 | ₹11,180 – ₹11,185 |
| 20 Carat | ₹13,556 | ₹10,160 – ₹10,170 |
| 18 Carat | ₹12,200 | ₹9,150 – ₹9,160 |
Note: The gold loan per gram in HDFC bank is calculated on the net weight of the gold, excluding stones, gems, or enamel work. The final sanction depends on the in-branch appraiser’s valuation.
HDFC Gold Loan Interest Rates and Charges
While the HDFC gold loan rate per gram today determines how much you get, the charges determine how much you pay back. HDFC Bank is transparent about its fee structure, which is crucial for calculating the Annual Percentage Rate (APR).
1. Interest Rates
HDFC Bank offers competitive interest rates that vary based on the loan amount and the specific scheme chosen. Rates are generally lower than personal loans and credit cards, making this a cost-effective borrowing tool.
2. Processing and Valuation Fees
Unlike some lenders who hide costs, HDFC lists them clearly:
- Processing Fee: 1.50% of the loan amount + GST.
- Valuation Fee:
- Loans up to ₹1.5 Lakh: ₹250
- Loans above ₹1.5 Lakh: ₹500
3. Foreclosure Charges (The Exit Load)
This is a critical differentiator. HDFC Bank rewards longer-tenure holding but penalises very short-term exits.
- Closure within 3 months: 1% of the principal outstanding + GST.
- Closure after 3 months: Nil. (You can close the loan for free).
4. Other Charges
- Renewal Fee: ₹350 + GST (applicable if you renew the loan after the tenure ends).
- Overdue Interest: 2% per annum on the overdue amount over and above the applicable interest rate.
Also Read: Loan Against Gold
Budget 2026 and Gold Volatility
The financial decisions of 2026 are heavily influenced by the recent Union Budget and the ongoing volatility in bullion markets. Understanding these external factors is crucial for anyone considering a gold loan per gram in HDFC bank.
1. The SGB Shift
The Union Budget 2026 introduced stricter capital gains tax rules for Sovereign Gold Bonds (SGBs) traded on the secondary market. This policy shift has inadvertently strengthened the case for holding physical gold.
With paper gold becoming tax-complex for traders, physical jewellery remains a straightforward asset—one that offers immediate liquidity through loans without triggering a taxable event like a sale would.
2. High Gold Prices = Higher Gold Loan Eligibility
With gold prices stabilising around historic peaks (approx. ₹1.49 lakh for 22K), the borrowing power of the average Indian household has surged.
- The Benefit: A higher market price means you need to pledge less gold to get the same loan amount compared to previous years.
- Volatility Buffer: HDFC Bank’s daily revaluation ensures that if gold prices spike further, your eligibility for top-up loans increases, allowing you to extract more value from the same pledged asset.
3. The Liquidity Preference
In an environment where equity markets are facing higher Securities Transaction Tax (STT), investors are increasingly looking at gold loans as a way to raise capital for buying the dip in other asset classes. Using a low-interest HDFC gold loan to fund short-term opportunities is becoming a popular strategy among savvy investors in 2026.
4. Offer & Acceptance
Based on the valuation and the current HDFC gold loan rate per gram today, the officer will generate a maximum loan offer. You can accept the full amount or choose a lower amount to keep your interest burden low.
Key Features of HDFC Bank Gold Loan
In 2026, the HDFC gold loan per gram rate today is just one part of the equation. The service architecture is equally important.
- 45-Minute Disbursal: HDFC Bank’s streamlined process ensures that from the moment you walk in with your jewellery to the moment funds hit your account, the process takes approximately 45 minutes.
- Flexible Tenure: You can choose a repayment period ranging from 6 months to 42 months. This flexibility allows you to align repayment with your cash flow.
- Minimum Loan Amount: The bank caters to small requirements as well, with a minimum loan amount starting at just ₹25,000.
- Minimal Documentation: Since the loan is secured, you only need basic KYC documents (Aadhaar/PAN/Passport). No income proof or credit score scrutiny is typically required for sanction.
HDFC Agri Gold Loan
For the rural economy, HDFC Bank offers specialised Agri Gold Loans. These are designed specifically for farmers and individuals engaged in agriculture and allied activities.
- Purpose: The funds must be used for agricultural needs (buying seeds, fertilisers, machinery, etc.).
- Benefit: These loans often come with preferential interest rates and simplified documentation, acknowledging the seasonal cash flow of the farming community.
- Eligibility: Applicants must own agricultural land or be engaged in allied activities (dairy, poultry, etc.).
Also Read: Gold Deposit Schemes
Repayment Options for HDFC Bank Gold Loan
HDFC Bank offers multiple repayment structures, ensuring that the Gold loan per gram hdfc doesn’t become a burden.
- Bullet Repayment: You pay the entire principal and interest at the end of the loan tenure. Best for those expecting a lump sum payment in the future.
- Overdraft Facility: Ideal for businessmen. An overdraft limit is set against your gold. You pay interest only on the amount you utilise and for the number of days you use it.
- EMI Option: Standard monthly instalments comprising both principal and interest, similar to a personal loan.
How to Apply for HDFC Gold Loan
Getting a gold loan per gram in HDFC bank is designed to be an over-the-counter process, meaning it is quick, requires minimal paperwork, and concludes in a single visit. Here is the exact workflow to ensure a smooth experience.
Method 1: The Branch Visit (Fastest Route)
Since physical gold needs to be appraised, visiting the branch is the most direct way to secure funds.
1. Locate a Gold Loan Branch
Not every HDFC branch handles gold loans. Use the bank’s branch locator to find a specific “Gold Loan Shoppe” or a branch authorised to handle jewellery pledging.
2. Document Submission
Carry your KYC documents. You typically need:
- ID Proof: Aadhaar Card, PAN Card, Passport, or Voter ID.
- Address Proof: Utility bill, Aadhaar, or Rent Agreement.
- Passport-Size Photo: One recent photograph.
Note: No income proof or ITR is required.
3. Gold Valuation (The Critical Step)
Hand over your ornaments to the bank’s in-house appraiser. They will verify the purity (must be 18K to 24K) and weigh the gold.
Insight: The loan is calculated on the Net Weight. If your jewellery has stones, beads, or heavy enamel, that weight is deducted.
4. Offer & Acceptance
Based on the valuation and the current HDFC gold loan rate per gram today, the officer will generate a maximum loan offer. You can accept the full amount or choose a lower amount to keep your interest burden low.
5. Instant Disbursal
Once you sign the loan agreement, the funds are disbursed.
- Amounts < ₹20,000: Can be given in cash (subject to current RBI norms).
- Amounts > ₹20,000: Directly credited to your HDFC Bank account or issued via Demand Draft/NEFT to other bank accounts.
Method 2: Online Initiation (For Convenience)
If you prefer to start the process from home:
- Visit the HDFC Bank official website and navigate to the ‘Gold Loan’ section.
- Fill out the lead form with your name, contact details, and city.
- An HDFC representative will call you to discuss the HDFC gold loan per gram eligibility and schedule an appointment at the nearest branch, saving you waiting time.
Pro Tip: Before visiting, clean your jewellery. Dirt and oil can slightly affect the weight or purity reading during the acid test, potentially impacting your final loan amount.
Also Read: SBI Gold Loan Rate Per Gram | BOB Gold Loan Rate per Gram
Conclusion
In the financial landscape of 2026, the HDFC gold loan per gram rate today offers a compelling blend of high value and rapid access. With the ability to monetise your jewellery in under an hour and the flexibility to close the loan at zero cost after three months, it serves as an excellent bridge for short-term liquidity gaps.
HDFC Bank’s structured gold loan scheme ensures that your idle gold works as hard as you do. Just ensure you factor in the 1.5% processing fee when calculating your net-in-hand amount.
Download the Buddy Loan App Now!
One solution to each of your financial needs at your fingertip.
