Get maximum value for your gold jewellery with a gold loan

Get maximum value for your gold jewellery with a gold loan

If you own gold jewellery and need immediate funds, the high loan per gram feature of gold loans makes them a great option.
Features

Features

Calculator

Calculator

FAQs

FAQs

Videos

Videos

Rs. 5,000 - Rs. 2 crore

Calculate Loan Interest

To find the nearest gold loan branch,

click here

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

Unlock the value of your gold with a gold loan

If you need quick access to funds, your gold jewellery can be a lifesaver. With a gold loan, you can unlock the value of your gold and get the money you need without selling your precious ornaments.By pledging your gold ornaments, you can get a loan against gold ornaments without selling them. One of the biggest advantages is the high loan amount per gram, letting you unlock the maximum value of your jewellery. One of the biggest advantages is the high loan amount per gram of gold, giving you maximum value for your jewellery.


Gold loans are easier to get than many other loans since they are secured by your gold. Getting a Bajaj Finserv Gold Loan is easy. You can apply for gold loan online or visit the nearest branch office. The team will carry out gold loan valuation based on the purity and weight of your ornaments. For example, we offer loans from Rs. 5,000 up to Rs. 2 crore at interest rates starting from 9.50% to 24% per annum, with an certain percentage of your gold’s market value as per IBJA .


Once your loan amount is set, you can pick a gold loan repayment option that suits you. During the tenure, you pay interest, and at the end, you repay the principal to get your gold back. As an Indian citizen 21 to 80 with 18-22 karat gold to pledge, can apply easily with basic KYC documents like Aadhaar, voter ID, passport, or driver’s licence along with proof of residence. With Bajaj Finance, how to apply loan is simple and hassle-free, making your funds accessible in no time. This makes a gold loan a smart and convenient solution for both planned and unexpected expenses.


Whether it is a festival or a financial need, your gold can help. Check your gold loan eligibility and take the next step.


Show More Show Less

Gold loan interest rates and charges

The gold loan interest rate reflects the cost of borrowing against your gold jewellery. With Bajaj Finance, gold loan interest rates start from 9.50% up to 24% per annum, with zero hidden charges and fully transparent terms. It is always wise to review all applicable fees before applying.


Several factors can influence your borrowing experience. Market conditions affect interest rates and the value of your gold loan per gram. Gold rates play a key role, as higher gold prices can make loans more affordable. Repayment frequency also matters—more frequent interest payments can lower your rate, while fewer payments may increase it.

Show More Show Less

Not your nearest branch?

Banner_NEW_Storelocator_XAOP_App_08042026.png

Eligibility criteria and documents required to apply for gold loans

Any Indian citizen can easily apply for a gold loan for planned or unplanned needs, as long as they meet the gold loan eligibility criteria. You have to be aged between 21 and 80 years and have 18-22 karat gold to pledge for a gold loan. You also need to submit any one of the following KYC documents for gold loan to complete your application process:


  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence
  • NREGA job card
  • Letter issued by National Population Registration
     

Though the PAN card is not a mandatory requirement, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card as well.


Curious about your loan eligibility? Enter your mobile number to see how much you can get for your gold.

Show More Show Less

Latest RBI updates

Section

Parameter

Applicable Details

 

Eligibility Criteria

Gold purity accepted

18-22 Karat for jewellery and ornaments

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 a gold loan?

Applying for a Bajaj Finserv Gold Loan is quick and convenient. Simply visit the nearest branch with your gold jewellery and valid KYC documents. The team will check the purity and weight of your gold, calculate your eligible loan amount, and process it on the spot. In most cases, the loan amount is disbursed to your account the same day, giving you immediate access to funds. For even more convenience, you can also apply online via the Bajaj Finserv App or website, making it easy to secure a gold loan from wherever you are. To apply online, follow these simple stps:


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


After you submit the application, a representative from Bajaj Finserv will contact you to assist with the next steps. With over 1100 branches spread across India, Bajaj Finserv ensures swift and easy loan processing, providing a convenient experience for you.


Turn your gold into instant support—handle any expense with ease. Check your gold loan eligibility and access funds when you need them most.

Show More Show Less

Related Articles

Article 1

Read More

 Article 2

Read More

 Article 3

Read More

 Article 4

Read More

You are here

Related Links

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. *