HDFC Gold Loan in Lucknow

Last Updated : June 9, 2020, 6:06 p.m.

Many individuals face rejection while applying for a personal loan. So, you can try another option for taking a loan that is the Gold Loan. Gold Loans have a comparatively low rate of interest from personal loans. If you are having enough gold at your home then the Gold Loan would be the best option. Some people are there who are living in Lucknow are looking for the Gold Loan. So, here you can see the details of the HDFC Gold Loan in Lucknow. There are various branches of the HDFC banks in Lucknow from where you can take the gold loan. Now, you don’t have to worry even if your personal loan application has been rejected.

HDFC Gold Loan Details for the People of Lucknow

HDFC Bank Gold Loan Interest Rate in Lucknow

You can take the HDFC Gold Loan in Lucknow at the interest rate of 10.05% on the gold loans with a maximum of up to 17.95%. But before taking the loan, you can negotiate the rate of interest on the HDFC Gold Loan . A good relationship with the bank and a good repayment record might give you the loan at a low rate of interest. So, make sure that you must have made all the payments on time to get the HDFC Gold Loan at the minimum rate of interest.

HDFC Gold Loan Eligibility Criteria in Lucknow

• Businessmen, Salaried, Employees, Self-Employed, Professionals, Pensioners, Students and Home Makers can apply for the Loan who are living in Lucknow.
• The Applicant must have at least an age of 18 years in order to take the Gold Loan.
• 18 Carats and above is the minimum carat required to take the HDFC Gold Loan.
• The Applicant must have a regular income for making the repayment of the loan.

Documents Needed for the HDFC Gold Loan in Lucknow

• 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.

Computation of the Gold Loan Amount

The HDFC Bank will always give the Gold Loan less than the market value of the gold. If the value of Gold is ₹1 Lac then the amount of the loan will be always less than ₹1 lac. The bank keeps a margin between the loan amount and the gold value because the market value of the gold might decrease due to the market fluctuations.

Factors the Determine the Loan Amount:-

• Past Repayment Track of the individual.
• Tenure for which the HDFC Gold Loan is taken.
• Number of gold ornaments mortgaged for taking the loan.
• Weight of the gold in grams you are keeping as security with the bank whether jewellery or gold coins.
• Carat of the Gold you are keeping as security against the loan and it should always be more than 18 carats.

HDFC Gold Loan Branches in Lucknow

If you want to apply for the HDFC Gold Loan effortlessly then you must fill-up the form given above. Otherwise, you can visit the nearest branch of the HDFC Bank in Lucknow. You can see the list of HDFC Branches below:-

• 31 / 31 Mg Marg, Hazratganj, Lucknow – 226001, Uttar Pradesh
• 11, Raised Ground Floor, Lekhraj Khazana, Faizabad Road, Lucknow – 226016, Uttar Pradesh
• A1 / 15, Sector H, Mainpurania Chauraha, Aliganj, Lucknow – 226024, Uttar Pradesh
• PRANAY TOWERS, Lucknow- Uttar Pradesh
• Ganapati Bhawan, Chowk, Lucknow, Lucknow – 226003, Uttar Pradesh
• 56 & 57 Chander Nagar, Alambagh, Lucknow – 226005, Uttar Pradesh
• A. R. Centre, Opposite Gulmarg Hotel – Aminabad, Lucknow – 226018, Uttar Pradesh
• 5 / 19 Vishal Khand, Gomtinagar, Lucknow – 226010, Uttar Pradesh
• 2Cp 213 – 216 E Block, Main Road, Rajajipuram, Lucknow – 226017, Uttar Pradesh
• 17 / 3 Tekari Chambers, Ashok Marg, Lucknow – 226001, Uttar Pradesh
• HDFC BANK LTD 72/2, USMAN ROAD, NEAR COMMAND CANTEEN, CANTT LUCKNOW UTTAR PRADESH
• B – 1 / 294, Jankipuram, Lucknow – 226021, Uttar Pradesh
• A – 849, Sector I, Ashiyana, Lucknow – 226012, Uttar Pradesh
• B-3 178, VIBHAV KHAND, GOMTINAGAR LUCKNOW UTTAR PRADESH 226010
• HDFC BANK LTD., 102-25A, OLD NO. 8, HEWETT ROAD, SHIVAJI MARG, LUCKNOW UTTAR PRADESH 226001
• 439/51, Tehseenganj, Hardoi Road Lucknow – 226003
• 5/18- 1st Floor Sector-K Aliganj Extension Lucknow – 226024
• 18, QAISER BAGH, LUCKNOW 226001
• 15 85 SECTOR15 RING ROAD NEAR MUNSHIPULIA CROSSING LUCKNOW UP 226016
• HDFC BANK LTD HOTEL DAYAL BUILDING NO 76 13 GURUDWARA ROAD P S NAKA HINDOLA LUCKNOW UTTAR PRADESH 226004
• 244 230 NADAN MAHAL ROAD NEAR VERMA STOP YAHIAGANJ LUCKNOW UTTAR PRADESH 226004
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