- Explore the Amount of Gold Loan and know the prevailing rate of interest of the HDFC Gold Loan in Ahmedabad.
- Go through the list of HDFC Bank Branches in Ahmedabad to take a Gold Loan.
- Know the Eligibility Criteria and the Documents Required to apply for the HDFC Gold Loan.
Are you fed up with the continued rejection of your personal loan application? Then it is high time to use your gold to take the gold loan. It is a secured loan and the bank will give you the loan amount as per the value of the gold you mortgage. In Ahmedabad, there are some expensive localities where middle-class families face financial issues. Therefore it is better to take an HDFC Gold Loan in Ahmedabad because it has a rate of interest starting from 10.05% per annum. Localities like SG Highway, Prahlad Nagar, Gota, Bodakdev, Chandkhedha, and Thaltej in Ahmedabad have a high standard of living and thus they demand more and more money. So you must go through all the details of the HDFC Bank Gold Loan and apply accordingly.
Details of the Gold Loan in Ahmedabad from the HDFC Bank
|Minimum Loan Amount||₹25000|
|Maximum Loan Amount||Depends on the Maximum Value of the Gold|
|The slab of the Rate of Interest||10.05%-17.95%|
|Minimum Loan Period||3 Months|
|Maximum Loan Period||24 Months|
|Processing Fees for the Loan||1.5% of the Net Loan Amount + Applicable Taxes|
|Valuation of Gold Charges||- ₹250 for the Loan of up to ₹1.5 Lacs|
- ₹500 for the Loan of above ₹1.5 Lacs
|Foreclosure Charges||- 2% of the Outstanding Loan Amount + Applicable Taxes (if closed before 3 months)|
- No Charges if the loan is closed after 3 months
|Processing Fees on Renewal||₹350 + Applicable Taxes|
|Late Payment Fees||2% per annum over and above the applicable interest rate|
Eligibility Criteria in Ahmedabad for the Gold Loan
- An individual must have the age of 18 years in order to take the HDFC GoldLoan in Ahmedabad.
- Individuals in Ahmedabad who are Salaried, Employees, self-Employed, Businessmen, Professionals, Pensioners, Students, and Home Makers can take the HDFC Gold Loan easily.
- 18 Carats is the minimum carat accepted by the bank while giving the GoldLoan.
- The bank needs a recurring income so that you can repay all the EMIs of the Gold Loan easily.
HDFC Gold Loan Interest Rate in Ahmedabad
The HDFC Gold Loan has an Interest Rate Slab of 10.05% to 17.95% per annum. The bank may increase or decrease the rate of interest depending upon the relationship with you. If you have a good repayment record and you are a loyal customer of the HDFC Bank in Ahmedabad then you might get the Gold Loan at a low rate of interest.
Documents Required for HDFC Gold Loan in Ahmedabad
- Passport Size Photo of the Individual.
- A copy of a Valid Passport
- Driving License
- Voter’s ID Card
- PAN Card
- Form 60
- Aadhar Card
- If you want a bullet repayment method then you will have to submit agri-filled occupation documents
The Basis on Which the Loan Amount is Determined
The HDFC Bank never gives the gold loan equal to the value of the gold mortgaged with the bank. Usually, the value of the loan amount is less than the value of the gold because the banks keep the risk margin if in case the price of gold falls due to the market fluctuations.
The Bank Determines the Gold Value on the Following Basis:-
- Repayment period for repaying the gold loan.
- Number of Ornaments mortgaged for taking the HDFC gold loan in Ahmedabad.
- The bank only takes a maximum of 10 ornaments.
- Weight of the gold you mortgaged also determines loan amount whether coins or jewellery.
- 18 carats gold and above are only accepted by the HDFC bank.
HDFC Bank Gold Loan Branches in Ahmedabad
Either you can apply for the HDFC Gold Loan online or you can visit the nearest HDFC Bank Gold Loan Branch in Ahmedabad. So you can go through the various branches of the HDFC Bank from where you can take the HDFC Gold Loan.
- BPL HOUSE SUMANGALAM CO-OP HSG SOCIETY OPP. DRIVE-IN-THEATRE, BODAKDEO AHMEDABAD GUJARAT-380054
- SHOP NO,45,46, AUST MANGAL, NEW AMAN OWNERS ASSOCIATION, VASANT BHUVAN AHMEDABAD GUJARAT 380004
- PRAYAGCO. OP HOUSING SOCIETY, GROUND FLOOR NR ANKUR CHAR RASTA, NARANPURA AHMEDABAD GUJARAT 380013
- SHOWROOM NO 001, PLATINUM PLAZA, PART 4, BODAKDEV II AHMEDABAD GUJARAT 380054
- STOCK EXCHANGE-AHMEDABAD, OPP. SAHAJANAND COLLEGE PANJRAPOL, AHMEDABAD GUJARAT 380015
- SHILP-II NEXT TO VIKRAM CHAMBERSASHRAM ROAD AHMEDABAD GUJARAT 380009
- SILICON VALLEY CO-OP SOC., OPP JAI SHEFALI ROW HOUSE TOWER B, SATELLITE RD. AHMEDABAD GUJARAT 380015
- HDFC HOUSE, 1ST FLOOR NEAR MITHAKALI SIX ROADS, NAVRANGPURA AHMEDABAD GUJARAT 380009
- FIRST FLOOR, BLOCK D, SHREE GHANTAKARAN MAHAVIR CLOTH MKT, AHMEDABAD GUJARAT 380002
- SHAPATH-III, NR. GNHC TOWERS, SARKHEJ-GANDHINAGAR HIGHWAY. BODAKDEV AHMEDABAD 380054
- GF PANCHARATNAPANCHAVATI CIRCLES G ROAD AHMEDABAD
- SHAIVAL COMPLEX, OPP CHANDANBALA TOWERS, PALDI AHMEDABAD GUJARAT 380007
- RADHASWAMI COMPLEX, NEAR N C DESAI PETROL PUMP, HIGHWAY CHAR RASTA. KADI GUJARAT 382715
- NAKSHTRA BUILDING, MANI NAGAR AHMEDABAD GUJARAT 380008
- HDFC BANK LTD GROUND FLOOR, VISHWAM COMPLEX, NEAR DHARNIDHAR CROSSROAD, VASNA
- SAMARPAN COMPLEX,200FT, RING ROAD, BOPAL JUNCTION AHMEDABAD GUJARAT 380058
- SHOP NO.9A/14-A/15-B/14-B/17GALAXY AVENUE, NR.GALAXY CINEMA, NARODA DIST-AHMEDABAD
- SHIVALIK ARCADE,100 FT.ROAD, PRAHLAD NAGAR
- GROUND FLOOR, ANMOL COMPLEX, NR. ELECTRICITY HOUSE, RELIEF ROAD, AHMEDABAD
- OPP. DR. HOUSE NEAR PIRAMAL CROSSINGS G ROAD
- OPP ISKCONCADILA BUILDING GANDHINAGAR-SARKHEJ HIGH WAY.
- NEAR BHUYANGDEV CROSS ROADSOLA MAIN ROAD AHMEDABAD
- HDFC BANK LTD SHOP NO.5 TO 9, SHUKHSAGAR COMPLEX NEAR FORTUNE LANDMARK HOTEL
- GROUND FLOOR, SHRI BALAJI COMPLEX, RAMNAGAR, SABARMATI
- SHOP NO 106-112, KARNAVATI INDUSTRIAL ESTATE, RAMOL CROSS RD, PHASE IV, VATVA GIDC
- HDFC BANK LTD.GROUND FLOOR, RADHE COMPLEXSANAND, AHMEDABAD HIGHWAY
- SHOP NO.5-6, KAILASH AVENUE OPP.DESAI PETROL PUMPSARKHEJ-BAVLA HIGHWAY, CHANGODAR
- F-1 TO 3 AND S-1 TO 3FIRST & SECOND FLOOR, VIKRAM PLAZA, CHANDLODIYA
- 1ST FLOOR, KRISHNA COMPLEX, OPP.SARDAR NAGAR POLICE STATION, AMBAWADI CIRCLE, SARDARNAGAR
- GROUND FLOOR, THE GRAND MALL, OPP. SBI ZONAL OFFICE, S M ROAD, AMBAWADI
- SHREE KRISHNA COMPLEX, OLD MODEL CINEMA, GANDHI ROAD,
- GROUND FLOOR, SHARANYA AVENUE, DARPAN SIX ROADS, NEAR DARPAN CIRCLE, NAVRANGPURA