Gold assets possess immense cultural and social significance in India. At times of emergencies, individuals can also obtain sizeable funds against gold, leveraging its equity. Obtain a Bajaj Finserv Gold Loan instantly by submitting only a handful of documents.

Utilise an easy gold loan with zero end-use restriction to meet urgent requirements, like a medical emergency or restocking inventory. Repay the amount flexibly at nominal interest rates and enjoy a hassle-free experience.

Instant Gold Loan: Features and Benefits

Check the features and benefits of a Bajaj Finserv Gold Loan facility –

  • Safe evaluation process

    Get the gold jewellery appraised from the safety and comfort of your home. Our representative will evaluate the assets with an industry-grade carat meter, ensuring authenticity and accuracy.

  • mortgage loan

    Loan up to Rs. 1 Crore

    Obtain a sizeable loan against gold and finance big-ticket personal and professional expenses easily. The funds come with zero end-use restrictions.

  • Tenor

    Easy repayment solutions

    Select from a wide suite of repayment options per your convenience. Choose to pay regular EMIs to clear the dues. Alternatively, opt to pay interest periodically and principal at the tenor’s end, or interest upfront and principal later.

  • Industry-best safety protocols

    We store the pledged gold items in top-of-the-line vaults under 24x7 surveillance in motion detector-equipped rooms. Our safety protocols make us one of the best gold loan companies in India.

  • Part-release facility

    Release pledged gold items partially when necessary by repaying the equivalent amount.

  • Part-prepayment and foreclosure options

    Part-prepay or foreclose a loan on gold against zero charges. Traders and builders can also get top-up loans without paying any additional charges.

  • Complementary gold insurance

    Avail of a gold loan in India from Bajaj Finserv and enjoy a complimentary gold insurance policy. The pledged items are insured against theft and misplacement.

Loan against Gold: Documents Required

Apply for a gold loan from Bajaj Finserv by submitting only identity and address proof. These include -

  • Aadhaar card
  • Voter ID card
  • PAN card
  • Passport
  • Driving license
  • Electricity bill
  • Rental agreement

Check gold loan eligibility and documents required.

Loan on Gold: Interest Rates and Charges

Obtain a gold finance loan at the lowest interest rates from us. The ancillary charges are competitive as well, making us one of the top gold loan providers nationally. Check the gold loan interest rates for more details.

Highest Loan Per Gram

Highest loan per gram refers to the maximum loan amount a borrower can avail against the market value of one-gram gold. This rate is also known as LTV, denoted in percentage ( %). An appraiser evaluates the market value of gold items and determines the LTV to decide the obtainable amount of gold loan today or on the day of application.

RBI caps the LTV at 75% on an online gold loan. However, this rate can vary. Obtain the highest per gram value of the pledged gold assets from Bajaj Finserv today.

Gold Loan Frequently Asked Questions (FAQs)

1. What is a Gold Loan?

A gold loan lets individuals borrow a particular amount premised on the market value of the gold items they pledge. A financier determines the available loan amount after assessing the pledged gold items’ worth and applicable LTV.

2. How to Get a Gold Loan?

Avail of a gold loan scheme by visiting the nearest branch of Bajaj Finserv. You can also obtain a loan from the comfort of your home by applying online. Our representative will contact you for further proceedings.

3. Who is Eligible to Get a Gold Loan?

Professionals, salaried and self-employed individuals, traders, farmers, and businesspersons can avail of a gold loan service. They must be aged between 21 and 70 years.

4. When Should you Apply for a Gold Loan?

You can obtain an offline or online gold loan anytime. It depends on your financial requirements. Gold loans are disbursed instantly, making for a suitable source of emergency financing.

5. Can you Get a Gold Loan on Jewellery?

You can avail of a loan against your gold jewellery.

6. Is a CIBIL Score Required for a Gold Loan?

A CIBIL score is not mandatory to acquire a loan against gold. However, you can enjoy competitive interest rates and repayment terms with a healthy credit score.

7. What Happens if a Gold Loan is not Paid?

The financier can sell or auction off the pledged items to recoup their losses if a gold loan is not repaid.

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