Features and benefits of gold loan

  • Gold Loan up to Rs. 1 crore

    Gold Loan up to Rs. 2 crore

    Obtain a sizeable loan against gold and finance big-ticket personal and professional expenses easily.

  • Transparent evaluation

    Transparent evaluation

    Have your gold jewellery evaluated with an industry-grade carat meter, ensuring authenticity and accuracy.

  • Easy repayment solutions

    Easy repayment solutions

    Pay regular EMIs or opt to pay interest periodically – select from a comprehensive suite of repayment options.

  • Industry-best safety protocols

    Industry-best safety protocols

    Your gold items are stored in top-of-the-line vaults under 24x7 surveillance in motion detector-equipped rooms.

  • Part-release facility

    Part-release facility

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

  • Part-prepayment and foreclosure options

    Part-prepayment and foreclosure options

    Have the option to part-prepay or foreclose your loan with zero charges.

  • Complementary gold insurance

    Complementary gold insurance

    Avail of a gold loan and get a complimentary gold insurance policy. The pledged items are insured against theft and misplacement.

  • Hassle-free application process

    Hassle-free application process

    Apply for a gold loan online by filling up the application form on our website or visit the nearest branch of Bajaj Finserv.

Gold assets possess immense cultural and social significance in India. During 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.

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Gold loan eligibility criteria

To be eligible for a gold loan from Bajaj Finserv, an applicant must be between 21 to 70 years of age. KYC documents will be required to establish identity and address proof. At times, the financial institution may even ask for income proof to establish repayment capability. Note that, the eligibility criteria may differ from lender to lender.

Documents required for gold loan application

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

  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving license
  • Electricity bill

Interest rates and charges

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

Highest loan per gram

The highest gold 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 available amount of gold loan today or on the day of application.

The LTV against gold is subject to a maximum of 75% as per regulatory directions. Obtain the highest per gram value of the pledged gold assets from Bajaj Finserv today.

Frequently asked questions

What is a gold loan?

A gold loan is a kind of secured loan taken by a borrower from a lender by pledging their gold jewellery as collateral. The loan amount provided is a certain percentage of the gold and is based on the current market value.

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.

Who is eligible to get a gold loan?

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

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.

Can you get a gold loan on jewellery?

Yes, you can avail of a loan against gold jewellery at an attractive interest rate.

Is a CIBIL score required for a gold loan?

A CIBIL score is mandatory for availing of gold loans above Rs. 20 lakh. With a good CIBIL score above 750, you can enjoy competitive interest rates and repayment terms with a healthy credit score.

What happens if a gold loan is not paid?

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

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