HDFC Bank Gold Loan EMI Calculator
Calculate estimated loan EMI and interest by pledging gold jewellery with HDFC Bank.
Official Rate Formula & Benchmark:
HDFC Bank Sampoorna Gold Loans provide instant liquidity starting from 9.25% p.a. up to RBI's 75% LTV cap on appraised gold value.
Current official starting rate: 9.25% p.a. (Range: 9.25% – 16.00% p.a.).
HDFC Bank Gold Loan Calculator
Interactive calculation engine using official HDFC Bank rates
For 3 years at 9.25% p.a. reducing balance
Yearly Repayment Schedule
| Year | Principal Paid | Interest Paid | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹90,941 | ₹23,959 | ₹1,14,900 | ₹2,09,059 |
| Year 2 | ₹99,719 | ₹15,181 | ₹1,14,900 | ₹1,09,339 |
| Year 3 | ₹1,09,339 | ₹5,555 | ₹1,14,894 | ₹0 |
Rate Verification & Official Notice
9.25% p.a.
9.25% – 16.00% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- RBI compliant 75% LTV cap
- Overdraft or term loan modes
Source: HDFC Bank Gold Loan Schedule
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Up to 75% LTV per RBI directive.
- 2Overdraft or monthly EMI options.
Key Factors Influencing Your Rate
- •Gold purity (18K to 24K)
- •Disbursal mode (term vs overdraft)
Worked Numerical Example: HDFC Bank Gold Loan Calculator
For an estimated HDFC Bank Gold Loan Calculator of ₹3,00,000 at 9.25% p.a. for 3 years, your monthly EMI is ₹9,575, with total interest of ₹44,694. Note: Actual eligible loan amount is appraised at the branch based on net gold weight (18K–22K) and RBI's 75% LTV cap.
Frequently Asked Questions: HDFC Bank Gold Loan Calculator
- How fast is HDFC gold loan disbursed?
- Typically within 45 minutes at branch.
- Minimum loan amount?
- ₹25,000 in urban branches.