Gold Loan Features and Benefits
Features and benefits of our gold loan
Watch this video to know more about the key features and benefits of our gold loan.
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*
Repay a part of your loan in advance or pay the entire amount at no extra cost.
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
Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.
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
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 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.
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.
How to apply for Gold Loan
Frequently asked questions
Generally, income proof is not required for a gold loan. The primary benefit of a gold loan is its collateral-based nature, which means that your income or financial status is not a crucial factor in securing the loan. Instead, it's the value of your gold jewellery that determines eligibility.
The processing fee for a gold loan is charged at the time of booking the loan and is not included in your chosen interest repayment frequency. An advantage of a gold loan with Bajaj Finance is that you can select to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis, depending on your convenience.