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Features and benefits of our gold loan
All you need to know about our Gold Loan
Watch this video to know everything about our gold loan: Features and benefits, fees and charges, eligibility criteria, documents required, and steps to apply.
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Part-release facility
With our part release facility, you can repay a part of your loan and take part of your gold jewellery back before the end of your loan tenure.
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No part-prepayment or foreclosure fee
Repay a part of your loan in advance or pay the entire amount at no extra cost.
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Transparent evaluation
We use best-in-class carat meters across all our branches to make sure you get the most value for your gold.
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Free insurance of gold
Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.
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Convenient repayment options
You can choose from multiple repayment options. Either pay regular EMIs or pay interest monthly, bi-monthly, quarterly, half-yearly, or annually as per your convenience.
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Easy application process
Apply for a gold loan online. We will keep everything ready by the time you walk in to the nearest Bajaj Finserv Gold Loan branch in your city.
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Gold loan of up to Rs. 2 crore
We offer gold loans starting from Rs. 5,000 up to Rs. 2 crore. You can choose the amount that suits you best from the offer extended to you.
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800 branches and growing
We have recently opened 60 new branches and are adding more across India. We are also opening new branches in the cities that we operate in.
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Still haven’t found what you are looking for? Click on any of the links at the top of this page.
Pre-approved offers for new customers
We have pre-approved offers for our existing customers as well as our new customers. To check, all we need is your mobile number.
If you are our pre-approved customer, you do not need to go through the entire application process. Think of it as our green channel.
You may not need a loan at this point of time, or you may not have a pre-approved offer. You can still choose from a wide range of products:
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Set up your Bajaj Pay wallet
The only 4 in 1 wallet in India that gives you the option to transfer money or pay using UPI, EMI Network Card, credit card, and your digital wallet.
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Check your credit health
Your CIBIL Score and credit health are some of the most important parameters for you. Get our Credit Health Report and stay in the pink of health always.
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Pocket Insurance to cover all your life events
We have over 160+ insurance covers starting as low as Rs. 19 to cover all your life events – trekking, monsoon-related diseases, car key loss/ damage, and more.
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Set up an SIP for as little as Rs. 100 per month
Pick from over 900 mutual funds across 40+ mutual fund companies like Aditya Birla, SBI, HDFC, ICICI Prudential Mutual Fund, and more.
Gold Loan EMI Calculator
Plan your instalments better.
Eligibility criteria and documents required
Anyone can apply for our gold loan, as long as you meet the basic criteria mentioned here. You will be asked to submit a few basic documents to complete your application process.
Eligibility criteria
Nationality: Indian
Age: 21 to 70
Gold purity: 22 carat or higher
Documents required
Any one of the following:
- Aadhaar card
- Voter ID card
- Passport
- Driving license
PAN card is not required. However, if you apply for a gold loan above Rs. 5 lakh you will be asked to submit your PAN card.
Interest rate and applicable charges
Types of fee |
Applicable charges |
Interest rate |
9.50% p.a. to 28% p.a. |
Processing fees |
Rs. 99 (Inclusive of applicable taxes) |
Stamp duty (as per respective state) |
Payable as per state laws and deducted upfront from loan amount |
Cash handling charges |
Rs. 50 (Inclusive of applicable taxes) |
Penal interest |
3% p.a. on outstanding balance The penal interest margin/rate will be over and above the interest rate slab. This shall be applicable/chargeable in case of default in repayment of the outstanding dues. |
Part-prepayment charges |
NIL |
Foreclosure charges* |
NIL |
Auction charges |
Charge for physical notice – Rs. 40 (Inclusive of applicable taxes) per notice |
*Foreclosure charges are zero. However, if you close the loan within 7 days of booking, you have to pay minimum 7 days’ interest.
Note that additional cess will be applicable on all charges in accordance with state-specific laws.
The interest rates applicable on gold loans are dynamic and frequently change due to external factors.
Still haven’t found what you are looking for? Click on any of the links at the top of this page.
Frequently asked questions
Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a gold loan from Bajaj Finserv, you can apply online, and we will call you and guide you on the next steps or you could simply visit the nearest gold loan branch in your city. To apply for an online gold loan, you need to follow the below mentioned steps:
- Click on the ‘APPLY ONLINE’ option on the top of this page.
- Fill out the online form by submitting your basic information. Fill details like name, mobile number and select your city from the drop-down.
- On verification of your details, you can submit the form.
- Our representative will contact you and help you on the next steps.
Click here to apply for a Bajaj Finserv Gold Loan.
Salaried, self-employed individuals, traders, farmers, and business persons are all eligible to apply for a gold loan. To get a gold loan from Bajaj Finserv, you must be between 21 and 70 years of age and have gold jewellery of 22 carats and above.
Read more on the eligibility requirements for gold loan.
You should apply for a gold loan when you need money for some unplanned expenses. Also, a gold loan is a good option if you already have the burden of an ongoing loan. You can apply for a gold loan by pledging gold jewellery you may have at your home. To get a gold loan, you can walk in to the nearest Bajaj Finserv Gold Loan Branch in your city. In case you are looking for a more convenient option, you could also fill the gold loan application form on the Bajaj Finserv website.
Yes, you can get a loan against gold jewellery at an attractive interest rate. Bajaj Finserv offers gold loans at interest rates starting from 9.50% onwards. To get a gold loan, click on the ‘APPLY ONLINE’ option on the top of this page. You could also walk into the nearest Bajaj Finserv Gold Loan branch in your city.
Read more to know how to apply for a gold loan online.
A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). Here you have to pledge your gold jewellery as collateral to get the loan. Lenders decide the loan amount after checking the weight and purity of your gold. They do the LTV calculation, which is ‘loan to value’ ratio. The loan amount provided by the lender is up to 75% of the value of your gold jewellery. The value is based on the current market value of gold.
