Frequently asked questions

Why should I avail of a gold loan from Bajaj Finserv?

Bajaj Finserv offers a gold loan of up to Rs. 1 crore with 100% transparency and affordable interest rates. In addition to that, Bajaj Finserv also provides flexible repayment options with no additional charges for part-payment and foreclosure. Furthermore, you can also avail of the facility of part release that lets you withdraw some of your gold ornaments, as and when you need them.

How secure will my gold be?

With Bajaj Finserv, your gold ornaments are safe in a strong room equipped with world-class safety protocols. We have CCTV, gold vaults and motion detectors installed in all branches to ensure the highest safety of your ornaments.

What if my gold is stolen from your branch?

With Bajaj Finserv, your gold is insured. If your gold ornaments are stolen, you will be compensated for the full value of your gold based on the current gold price as per the recorded weight and carat.

What is the mode of disbursement for gold loans?

The mode of disbursement for a gold loan can be done through cash and IMPS/ NEFT/ RTGS.

Which documents do I need to carry with me?

Once you fulfil the minimum eligibility criteria laid down by Bajaj Finserv, you simply need to submit only KYC documents such as identity proof and address proof to avail of a gold loan.

What if I choose to continue my loan after one year?

Yes, you can continue your loan after 1 year. With Bajaj Finserv, you have the option of renewing your gold loan.

Can I pay off my loan in 2 part-payments?

Bajaj Finserv offers gold loans with flexible repayment options and a free part-payment facility. You can pay off your gold loan in 2 part-payments without incurring any additional charges.

If I opt for the interest repayment scheme, will I have the option of part payment?

Bajaj Finserv offers gold loans with multiple repayment schemes and free part payment and foreclosure facilities. You can part-pay your gold loan whenever you have surplus funds, irrespective of the repayment scheme you have opted for.

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