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Gold Loan FAQs

Frequently Asked Questions

Why should I avail of a Gold Loan from Bajaj Finserv?

• Transparency
• Low interest rates
• Flexibility in repayment
• No part payment charges, no foreclosure changes
• Part release facility
• No charges for gold security

How secure will my gold be?

We have a CCTV, gold vault and motion detector installed in all branches to ensure the highest safety for your gold ornaments.

What if gold is stolen from your branch?

Our gold is insured. In case of loss of your gold due to theft, the full value of your gold will get reimbursed to you basis the current gold price prevailing, as per recorded weight and carat.

Mode of payment

• Cash
• Direct debit mandate / ECS

Which documents do I need to carry with me?

• Address proof
• Identity proof
• If you want your EMI / interest to be directly deducted from banks then one cancelled cheque.

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

Yes, you have the option to renew your loan post 1 year.

Can I close my loan in two part payments?

You may choose the EMI repayment option. Through this, your monthly principle will reduce and interest is applicable on reducing basis so you will get an interest benefit by choosing this option.

What is gold loan WOW?

• Through Gold Loan WOW process, customer does not have to travel to branch.
• Door step service will be provided to customer which is first in industry, Bajaj Finserv team will travel to customer residence to process the loan
• From gold testing to loan processing, all things will be carried out at branch.
• Minimum 2 lakh loan amount will be required to avail this process, payment instruction will be given immediately after processing loan at customer place.
• To release the gold customer will have to travel to branch.

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