All about our Gold Loan

Everything you need to know about our gold loan, from eligibility to application process.
All about our Gold Loan
5 min read
30 Oct 2022

The ability of gold to act as a cushion during financial emergencies has made it a popular investment. Whenever there is an economic crisis looming, you can opt for a secured gold loan, which is a loan against your gold commodities or jewellery. The Bajaj Finserv Gold Loan allows you to obtain a loan of up to Rs. 2 crores for your financial needs, with easy repayment options.

What you can get with a gold loan

  1. High loan amount
    Be it unprecedented medical costs or an important home renovation project. Get up to 75% of the value of your gold jewellery and pay for these hefty expenses without any hassle.

  2. Transparent gold assessment
    Your offered loan amount is decided based on the gold’s worth and purity. Your gold jewellery is assessed using our professional-grade carat metres to ensure its authenticity and purity, and give you the best offer possible.

  3. Easy repayment solutions
    You get a range of repayment options. Pay regular EMIs, or pay just the interest amount on a periodic basis to make it easier on your pocket.

  4. Industry-best safety protocols
    We know that your gold jewellery is not just a precious commodity. There are sentiments attached to these valued items. Therefore, we take the security of your heirlooms very seriously. Your gold valuables are kept in top-of-the-line vaults, with best-in-class security protocols to keep them safe.

  5. Part-release facility
    You do not need to wait for your complete loan to be paid off before releasing your valuables. You can release a portion of the jewellery that was pledged by paying back the equivalent amount.

  6. Complementary gold insurance
    Nobody wants to suffer an unforeseen loss of their valuables. To ensure this, our gold loan comes with complementary gold insurance. Under this policy, your assets are covered against damage, theft and misplacement.

How to qualify for a gold loan

Since the value of your gold is the only essential parameter, the eligibility criteria for getting a gold loan by Bajaj Finserv is very straightforward.

Anyone can apply for our gold loan, as long as they meet the basic requirements. You must be aged between 21 to 70 years. Moreover, the loan amount you are given will rely on the worth of your gold ornaments and their purity, which is 22 carats and above.

How to apply for a gold loan

All you need to do is fill out a gold loan online application form. We'll then get in touch with you to schedule an appointment at the gold loan branch that's closest to you. You must bring your jewellery there for inspection. The evaluation itself simply requires a short amount of time.

Following the completion of your offer based on the worth of your jewellery, the money is promptly transferred to your bank account.

Apply

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