Meet your needs with a Gold Loan

Meet your financial needs with a loan against gold jewellery from Bajaj Finance. Whether it is for a medical emergency, the expansion of your business, higher education, or any other expense, our gold loan is a handy way to meet your needs.

Why choose us?

Experience the ease of applying for our Gold Loan through our hassle-free online process or by visiting any of our 800+ branches nationwide. Avail of a high loan amount with interest rates starting at just 9.50% p.a. Use our Gold Loan Calculator to plan repayment, and easily avail a gold loan balance transfer for existing gold loans.

Gold Loan Features and Benefits

Gold Loan Features and Benefits 00:45

Features and benefits of our gold loan

Watch this video to know more about the key features and benefits of our gold loan.

  • Part-release facility

    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.

  • No part-prepayment or foreclosure fee*

    No part-prepayment or foreclosure fee*

    Repay a part of your loan in advance or pay the entire amount at no extra cost.

  • Transparent evaluation

    Transparent evaluation

    We use best-in-class karat meters across all our branches to make sure you get the most value for your gold.

  • Free insurance of gold

    Free insurance of gold

    Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.

  • Convenient repayment options

    Convenient repayment options

    We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis as per your convenience. Please note that the principal amount and pending interest, if any, will be due for payment at the time of loan maturity.

  • Easy application process

    Easy application process

    Apply for a gold loan online. Our representative will help you with your application when you visit our Gold Loan branch in your city.

  • Gold loan of up to

    Gold loan of up to Rs. 2 crore

    We offer instant 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.

  • branches and growing

    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.

  • Still haven’t found what you are looking for? Click on any of the links at the top of this page.

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Eligibility Criteria and Documents Required for Gold Loan

Anyone can apply for a gold loan for farming, as long as they meet the basic criteria mentioned here. They will be asked to submit a few basic documents to complete their application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 to 70 years
  • Gold purity: 18-22 karat

Documents required

Any one of the following:

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

PAN card is not required. However, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card.

  • Did you know?

    A longer gold loan tenure can lower your rate of interest.

  • Did you know?

    You can get a gold loan with just one KYC document.

  • Did you know?

    There are very few restrictions on how you use your Bajaj Finance Gold Loan.

  • Did you know?

    Bajaj Finance has more than 800 gold loan branches across India.

How to apply for Gold Loan

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Step-by-step guide to apply for a gold loan

  1. Click on ‘APPLY’ to open our online application form
  2. Enter your 10-digit mobile number and click on ‘GET OTP’
  3. Submit the OTP to verify your identity
  4. Select your state and city to find the branch nearest to you
  5. Enter your full name and date of birth as per your PAN
  6. Set up your appointment at our branch

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

Interest rate and applicable charges

Types of fee

Applicable charges

Interest rate

9.50% to 28% per annum

Processing fees

0.12% of the loan amount (inclusive of applicable taxes).
Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (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). Applicable for cash disbursement only.

Penal Interest

3% per annum on outstanding balance

Penal Interest margin/ rate will be over and above the interest rate slab mentioned above which shall be applicable/ chargeable in case of default in repayment of the outstanding dues post maturity.

Part-prepayment charges

NIL

Foreclosure charges

Minimum 7 days interest

Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged.

Auction charges

Charge for physical notice – Rs. 40/- (inclusive of applicable taxes) per notice

Recovery charges – Rs. 500/- (inclusive of applicable taxes)

Advertisement fee – Rs. 200/- (inclusive of applicable taxes)


The interest rates applicable on gold loans are dynamic and frequently change due to external factors.

Still have not found what you are looking for? Click on any of the links at the top of this page.

Frequently asked questions

How to get a gold loan?

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 Finance, 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:

  1. Click on ‘APPLY’ to open our online application form
  2. Enter your 10-digit mobile number and click on ‘GET OTP’
  3. Submit the OTP to verify your identity
  4. Select your state and city to find the branch nearest to you
  5. Enter your full name and date of birth as per your PAN
  6. Set up your appointment at our branch

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

Who is eligible to get a gold loan?

From salaried and self-employed individuals to traders, farmers, and business persons, anyone can apply for a gold loan from Bajaj Finance.

You must be between 21 and 70 years of age and have gold jewellery of 18-22 - 22.

When should you apply for a gold loan?

You should apply for a gold loan when you need money for your planned or unplanned expenses. A gold loan is a form of a secured loan. It may be a good option if you already have an ongoing loan. You can apply for one by pledging the gold jewellery you may have at your home.

Walk into the nearest Bajaj Finserv Gold Loan Branch in your city. You can also start by completing the simple application form on the Bajaj Finserv website.

Can you get a gold loan on jewellery?

Yes, you can get a loan against gold jewellery at an attractive interest rate. Bajaj Finserv gold loan interest rates start from 9.50% p.a. onwards. To get a loan against gold, click on the ‘APPLY’ option on the top of this page. You could also walk into the nearest Bajaj Finserv Gold Loan branch in your city.

know how to apply for gold loan online.

What is a gold loan?

A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). You can pledge your gold jewellery as collateral and get a loan against the gold by following our hassle-free process.

The loan amount is decided after checking the weight and purity of your gold jewellery. 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.

How do fluctuations in gold prices impact your gold loan?

Fluctuations in gold prices directly influence your gold loan value. As the gold price changes, so does the collateral's worth, affecting the loan amount. It's essential to monitor the gold rate to understand these variations and make informed decisions about your gold loan, ensuring financial stability.

What happens if you don't pay the gold loan back?

Failure to repay the gold loan may result in auctioning of the pledged gold jewellery. It can also impact your credit history and lead to legal consequences. Therefore, exploring the repayment options is essential to avoid these situations.

How can you repay your gold loan?

We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis as per your convenience. Please note that the principal amount and pending interest for your loan against gold, if any, will be due for payment at the time of loan maturity.

How can you foreclose or prepay your gold loan?

To foreclose your loan against gold, follow these simple steps:

  1. Visit your nearest gold loan branch.
  2. Pay the outstanding amount.
  3. Submit the Gold Delivery Receipt (GDR).

By completing these steps, your loan will be successfully closed. For added convenience, you can make part payments of your gold loan online or visit the gold loan branch.

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