Gold Loan App

Unlock instant funds with the Bajaj Finserv Gold Loan App

The Bajaj Finserv Gold Loan App makes applying for a gold loan quick and effortless. You do not need to stand in long queues or go through complicated paperwork. With just a few taps on your smartphone, you can check loan details, apply online, and track your application with ease. Once approved, you only need a single visit to the branch to submit your gold and complete the process. The app also gives you access to multiple repayment options, competitive interest rates, and complete transparency. It is a smart way to manage your financial needs while keeping the process simple and convenient.

Features and benefits of the Bajaj Finserv Gold Loan App

The Bajaj Finserv Gold Loan App is a user-friendly platform designed for those seeking quick and secure financing against gold jewellery. It offers an efficient and transparent way to manage your gold loan needs, right from disbursal to repayment.

Key features of the Bajaj Finserv Gold Loan App:

• Quick disbursal: Loan amount, ranging from Rs. 5,000 to Rs. 2 crore, is directly credited to your bank account.
• Convenient gold loan tenure: Ranges from 1 day to 12 months, suited to your needs.
• Competitive interest rates: Designed to make borrowing affordable, the interest rates start from 9.50% to 24% p.a.
• Easy management: Track loan status, repayments, and access customer service via the app or website.
• Top-up facility: Available before maturity, if within loan-to-value (LTV) limits.
• Loan renewal: Permitted before maturity based on fresh appraisal and regulations.
• Secure and transparent: Ensures responsible lending with no top-ups or renewals on overdue accounts.

This app simplifies gold-backed borrowing for today’s fast-paced needs.

Documents required for a gold loan through the Bajaj Finserv Gold Loan App

To apply for a gold loan through the Bajaj Finserv Gold Loan App, you will need:

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

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

It takes just 2 steps to check your eligibility for a Bajaj Finserv Gold Loan. Enter your mobile number now.

Interest rates and charges on gold loans through the Bajaj Finserv Gold Loan App

The interest rates and charges on gold loans offered through the Bajaj Finserv Gold Loan App are competitive and transparent. Interest rates typically ranging from 9.50% to 24% p.a., vary based on factors such as loan amount, tenure, and prevailing market conditions. Additional charges, such as processing fees, convenience charges, and late payment penalties, may apply. It's advisable to review the terms and conditions to understand the complete cost structure before availing of the loan. 

How to apply for a gold loan via the Bajaj Finserv app?

Applying for a gold loan through the Bajaj Finserv App is simple and convenient:

1. Download and install the Bajaj Finserv app from the Play Store or App Store.
2. Register or log in to your account using your mobile number or email ID.
3. Navigate to the "Gold Loan" section within the app.
4. Fill out the loan application form with the required details and submit.
5. Upload necessary documents such as Aadhaar card, PAN card, Passport, Driving licence, NREGA job card, or a letter issued by National Population Registration.
6. Await loan approval and disbursal, which typically occur quickly via the app.

Things to consider when using a gold loan app

When utilising a gold loan app like Bajaj Finserv, consider the following:

• Understand the loan terms, interest rates, and repayment options before applying.
• Ensure the app's security features to protect personal and financial information.
• Verify the credibility of the lender and app through customer reviews and ratings.
• Evaluate alternative financing options and compare offers to make an informed decision.
• Keep track of repayment schedules and avoid defaulting to maintain a positive credit profile.

Ready to unlock the value of your gold? Apply for Bajaj Finserv Gold Loan today.