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Here are the key features and benefits of our gold loan
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.
Convenient repayment option
We offer multiple gold loan 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.
1400 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.
No part-prepayment or foreclosure fee*
Repay a part of your loan in advance or pay the entire amount at no extra cost.
Part-release facility
With our gold loan 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.
Gold loan renewal
BFL may renew your existing loan if you submit a formal request and meet the required credit assessment criteria under its underwriting policy. Renewal is allowed only if the loan remains standard and within the permissible LTV limits. For bullet repayment loans, accrued interest must be cleared before renewal. All renewals are properly recorded in the system, and fresh fees and charges will apply. Gold loan renewals are restricted after the actual maturity date.
Gold loan top-up
You can apply for a top-up on your existing gold loan before its maturity, as long as the loan-to-value (LTV) remains within regulatory limits and a fresh credit assessment is completed by us. However, if your loan has passed its maturity date but is still active due to outstanding dues, a top-up is not allowed.
Free insurance of gold
Our free insurance covers against theft, fire at branch, burglary, or misplacement of your gold while it is in our custody.
Transparent evaluation
We use best instruments across all our branches to make sure you get the most value of your gold.
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.
Still haven’t found what you are looking for? Click on any of the links at the top of this page.
Any salaried, self-employed individual, housewife or pensioneer can apply for our gold loan, as long as they meet the basic gold loan eligibility criteria mentioned below:
Eligible limit for each collateral type
Here is a list of single borrower limit for each collateral type:
1. Ornaments: The total weight pledged across all loans for a borrower cannot be more than 1 kilogram.
2. Jewellery: As per maximum loan amount.
3. Coins: The aggregate weight of coin(s) pledged for all loans to a borrower shall not exceed 50 grams in case of gold coins.
4. Overall exposure limit: The total loan exposure across ornaments, jewellery, and gold coins together must not exceed the maximum loan limit of Rs. 2 crore.
Please note:
For verification, you just have to provide any one of the following KYC documents. This saves you from complex paperwork and lengthy processes.
While a PAN card is not mandatory, you may be required to submit it when applying for a gold loan of Rs.5 lakh or more.
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.
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.
A key feature of Bajaj Finance Gold Loan is quick access to funds by pledging your gold jewellery. It offers high-value loans starting from Rs. 5,000 up to Rs. 2 crore with minimal documentation and multiple repayment options.
To avail of a Bajaj Finance Gold Loan, you must be between 21 to 80 years old and pledge gold jewellery of 18-22 karats. No credit score or income proof is required, making the process simple and accessible.
With Bajaj Finance, you can get a gold loan of up to Rs. 2 crore, depending on the purity and weight of your pledged gold jewellery.
Yes, Bajaj Finance ensures the safety of your gold. Your jewellery is stored in secure, CCTV-monitored vaults with complimentary insurance coverage throughout the loan tenure.
Yes, Bajaj Finance allows you to prepay or foreclose your gold loan anytime during the tenure without any additional foreclosure charges.
Bajaj Finance Gold Loan offers multiple repayment tenures ranging from 1 day to 12 months. You can choose monthly, bi-monthly, quarterly, half-yearly, or annual interest payments as per your convenience.
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000
