A gold loan is a viable financing solution wherein individuals can leverage their gold equity to obtain substantial funds. Owing to the loan’s secured nature, the gold loan interest rates tend to be lower when compared to other financial products. The competitive interest rates contribute to the loan’s affordability and accessibility for all.
Apply for a gold loan from Bajaj Finserv to meet big-ticket expenses without hassle. We offer the credits against one of the lowest interest rates of gold in India, thus boosting affordability and convenience.
Our gold loan interest rates and charges are explained in this table below –
|Type of fees||Applicable Charges|
|Interest rate||11% p.a. onwards|
|Documentation fee||Rs. 25/- to Rs. 150/- (Inclusive of applicable taxes)
|Stamp Duty||At actuals. (as per State)|
|Penal interest||3% per annum on outstanding.|
|Foreclosure/Release charges||Rs. 40/- (Inclusive of applicable taxes) for less than 30 days.|
Rs. 20/- (Inclusive of applicable taxes) for 31 days to 60 days.
Nil/No charges for more than 60 days.
|Part Payment charges||NIL|
Statement of Account/Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
|Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal– Experia. You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (inclusive of applicable taxes) per statement/letter/certificate.|
|Cash Handling Charges||Rs.50/- (Inclusive of applicable taxes)|
|Auction Charges||Demand Notice 1 - Rs.40/-
Demand Notice 2 - Rs.40/-
Auction Notice - Rs.40/-
Final Auction Notice - Rs.40/-
Recovery Charges - Rs.500/-
Advertisement Charges, Armed Guard charges - At Actual
|Above Charges are Exclusive of applicable taxes, wherever not mentioned.|
Yes, you can choose to pay only the interest and settle the principal loan amount at the end of your repayment tenor. Bajaj Finserv offers three gold loan repayment options –
However, it is in your best interest to discuss the available repayment options beforehand to plan your EMIs or pay-outs against the gold loan at a minimum interest rate better.
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