What is a Gold Loan Carnival/Mela?

The Gold Loan Carnival is a promotional event aimed to offer exciting rewards and streamlined application process to the customers. The rewards include, travel voucher for foreign trip, 42” LED TV, microwaves, and small electric appliances.

How to avail offers in gold loan carnival?

To avail the offers in gold loan carnival, you must be an Indian citizen between 21 to 80 years old and have 18-22 karat gold jewellery to pledge. You need to take a Bajaj Finserv Gold Loan of at least Rs. 1,00,000 during the offer period and keep the loan active for a minimum of 180 days. Also, you can qualify for the offer only once during the entire carnival period. To apply online, follow these simple steps: Click on “Apply” to start your online application Enter your 10-digit mobile number and click on “Get OTP” Submit the OTP to verify your identity Fill in your personal details and choose the nearest gold loan branch Download the in-principal loan eligibility letter Once done, you will receive a call from our representative and guide you on the next steps.

What are the benefits of participating in a gold loan carnival?

Participating in a gold loan carnival gives you a chance to enjoy quick and easy gold loan access while also winning exciting rewards. You benefit from a smooth borrowing process, competitive rates, and the opportunity to take home gifts like travel vouchers, electronics, and appliances, making your loan experience more rewarding.

Gold Loan Offer by Bajaj Finance | Exclusive Limited-Time Period Deals

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Rs. 5,000 - Rs. 2 crore

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To find the nearest gold loan branch,

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Enter phone and OTP | Check amount you can get | Apply for quick funds

Exclusive gold loan offers and benefits

Did you know Indian households hold thousands of tonnes of gold, not just for tradition, but as a trusted financial backup? Imagine if your gold could help pay bills, cover sudden expenses, or fund your plans—without selling your jewellery. With a gold loan, it can. It is fast, safe, and hassle-free, turning your treasured ornaments into instant funds.

This festive season, Bajaj Finance makes borrowing from your gold even more exciting with the Gold Loan Carnival 2025! You can get funds quickly and safely while enjoying a chance to win amazing gifts. Whether it is a planned expense or an unexpected need, the carnival helps you manage it all smoothly with Bajaj Finserv Gold Loan—transparent, hassle-free, and designed just for you. Turn your gold into instant support and a little extra festive cheer at the same time!

Festive rewards and prizes you can win

The Gold Loan Carnival 2025 makes borrowing from your gold even more exciting by giving you a chance to win amazing festive rewards. Running from 25 November 2025 to 28 February 2026, this carnival lets you enjoy valuable gifts while responsibly using your Bajaj Finserv Gold Loan.

With the Bajaj Finserv Gold Loan Carnival, you can get rewards like:

Category	Details of Reward
1st Reward	Travel voucher for foreign trip
2nd Reward	42” LED TV
3rd Reward	Microwaves
4th Reward	Small electric appliances

Have idle gold lying at home? Turn it into instant funds with a Bajaj Finserv Gold Loan today! Apply now

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Eligibility and Documents Required

Bajaj Finance offers an easy-to-meet gold loan eligibility criteria, making it accessible for wider section of applicants. To be eligible to apply:

You should be aged between 21 to 80 years.
You must own 18-22 karat gold jewellery.
You must be an Indian citizen.
You must avail a Bajaj Finserv Gold Loan of Rs. 1,00,000 or more during the offer period.
Your loan must remain active for at least 180 days from the date of disbursal.
Each applicant can qualify only once during the entire carnival period.

This easy gold loan eligibility makes it possible to enjoy the festive season with financial confidence, knowing you can get funds conveniently and securely.

Documents required for Gold Loan Carnival

To make borrowing easy for customers, Bajaj Finance keeps the documents required for gold loan minimal. Customers simply need to provide basic KYC documents such as:

Aadhaar card
Voter ID
Driving licence
Passport
NREGA job card
Letter from NPR

Ready to unlock the value of your gold? Apply for Bajaj Finserv Gold Loan today.

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Section	Parameter	Applicable Details
Eligibility Criteria	Gold purity accepted	18-22 Karat for jewellery and ornaments
	Gold purity accepted	24 karat for gold coins
	Eligible collateral types	Gold ornaments, jewellery, and coins
Eligible limit for each collateral type	Ornaments	Total pledged weight across all loans must not exceed 1 kilogram
	Gold coins	The total weight of gold coins pledged cannot be more than 50 grams.
	Gold Jewellery	As per maximum loan amount.
	Overall exposure limit	The total loan exposure across ornaments, jewellery, and gold coins together must not exceed the maximum loan limit of Rs. 2 crore.
	Collateral protection	Any loss, damage, or discrepancy in the quantity or purity of your pledged gold identified during audit, return, or auction will be recorded and promptly communicated to you or your legal heirs. The reimbursement or compensation process, as per company policy and SOP, will be clearly explained. Delays in collateral release due to lender fault will attract compensation of ₹5,000 per day.
Gold loan renewal	Renewal parameter	You can request renewal of your gold loan before maturity if it remains in standard status and within permissible LTV limits. This facility is available only to existing customers. For bullet repayment loans, accrued interest must be cleared. Renewals are subject to credit checks, fresh applicable charges, and are not allowed after maturity.
Gold loan top up	Top up parameter	Top-up is allowed before maturity, subject to regulatory LTV limits, credit assessment, and customer eligibility. Fresh fees and charges apply. Top-up after maturity is not permitted, even if dues are outstanding. Top up facility is available only to existing users.
LTV (Loan to Value)	For loans up to Rs.2.5 lakh	85%
	For loans between more than Rs.2.5 lakh to Rs.5 lakh	80%
	For loans from more than Rs. 5lakh to Rs. 2 crore	75%
Gold Value	Evaluation parameter	As per the latest guidelines, gold loans are offered against specific purity of gold jewellery, ornaments and gold coins, valued using lower of the average closing price for your gold's specific purity over the last 30 days or the previous day's closing price, as published by IBJA or a SEBI-regulated commodity exchange, within prescribed limits and subject to KYC and timely repayment.

How to Apply for the Gold Loan Carnival

Applying for a gold loan is fairly simple with Bajaj Finance. You can either apply online via the Bajaj Finserv App or website, or in-person by visiting the nearest Bajaj Finserv Gold Loan branch. Once the application is submitted, follow these simple steps:

Get your 18-22 karat gold evaluated
Get your KYC verified
On approval, funds are disbursed quickly to your bank account

To apply online:

Click on “Apply” to start your online application
Enter your 10-digit mobile number and click on “Get OTP”
Submit the OTP to verify your identity
Fill in your personal details and choose the nearest gold loan branch
Download the in-principal loan eligibility letter

Once done, you will receive a call from our representative and guide you on the next steps.

Quick tip: It takes just 2 steps to check your eligibility for a Bajaj Finserv Gold Loan. Enter your mobile number now.

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Disclaimer

Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *

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