Get maximum value for your gold jewellery with a gold loan

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.

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.

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.