Gold Loan for Farming

A loan against gold jewellery can be an excellent option for meeting the expenses of your farm. This helps you plan for large expenses like purchasing land, farm machinery, raw materials, and more. These loans are affordable given the easy repayment options and part-release facility. To cover all your farming needs, choose our secured gold loan starting from Rs. 5,000 up to Rs. 2 crore.

Agricultural development

Agricultural development

As a farmer, it can be difficult to meet all your cultivation, farm maintenance, and investment needs. The costs are sometimes high and consume capital that is much needed for other purposes. Finance for agricultural development means that you can improve the output of your land and grow your business.

Farm administration

Farm administration

Starting a farming business or maintaining an existing one can be expensive. You can take a loan against your gold jewellery to support daily operations, buy land, upgrade your equipment, market your produce, safeguard inventory, and more.

Fish farming

Fish farming

To boost the efficiency of your fish farming operation, purchase and upgrade necessary infrastructure like aeration systems, water pumps, and automatic fish feeders. Expand your operations by allocating funds for more ponds and fish tanks.

Poultry farming

Poultry farming

Invest in new equipment like electrical brooder, reflectors, heaters, feeders and more, or hire more workers to take your poultry farming business to the next level. Increase the health and productivity of your birds, as well as the profitability of your business.



Beekeeping can be a valuable input means for increasing agricultural production. Expand your business by buying beehives and related equipment, such as honey extractors, bee boxes, swarm catchers, smokers, hive stands and more.

Gold Loan Features and Benefits

Gold Loan Features and Benefits 00:45

Features and benefits of our gold loan

Watch this video to know more about the key features and benefits of our gold loan.

  • Part-release facility

    Part-release facility

    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*

    No part-prepayment or foreclosure fee*

    Repay a part of your loan in advance or pay the entire amount at no extra cost.

  • Transparent evaluation

    Transparent evaluation

    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

    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

    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

    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

    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.

  • branches and growing

    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.

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Gold Loan EMI Calculator

Gold Loan EMI Calculator

Plan your instalments better.

Eligibility Criteria and Documents Required for Gold Loan

Anyone can apply for our gold loan, as long as they meet the basic gold loan eligibility criteria mentioned here. They will be asked to submit a few basic documents to complete their application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 to 70 years
  • Gold purity: 18-22 karat

Documents required

Any one of the following:

  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence
  • NREGA job card
  • Letter issued by National Population Registration

PAN card is not required. However, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card.

How to apply for Gold Loan

Video Image 00:57

Step-by-step guide to apply for a gold loan

  1. Click on ‘APPLY’ to open our online application form
  2. Enter your 10-digit mobile number and click on ‘GET OTP’
  3. Submit the OTP to verify your identity
  4. Select your state and city to find the branch nearest to you
  5. Enter your full name and date of birth as per your PAN
  6. Set up your appointment at our branch

Once done, you will receive a call from our representative to confirm your appointment and guide you on the next steps.

Gold loan interest rate and applicable charges

Types of fee Applicable charges
Interest rate 9.50% to 28% per annum
Processing fees 0.12% of the loan amount (inclusive of applicable taxes). Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).
Stamp duty (as per respective state) Payable as per state laws and deducted upfront from loan amount
Cash handling charges Rs. 50/- (inclusive of applicable taxes). Applicable for cash disbursement only.
Penal charge Rs. 8 per day on Outstanding Balance - Penal charge will be over and above the interest rate slab mentioned above which shall be applicable/chargeable in case of default in repayment of the Outstanding Dues post maturity.
Cash deposit charges  Customers will incur a cash deposition charge of Rs. 50 (Inclusive of Applicable taxes) when making cash payments at our branch offices.
PG facility charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties.
Convenience fee Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for release of ornament/s out of multiple ornaments securing the Gold Loan.
Part-prepayment charges NIL
Foreclosure charges Minimum 7 days interest
Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged.
Auction charges Charge for physical notice – Rs. 40/- (inclusive of applicable taxes) per notice

Recovery charges – Rs. 500/- (inclusive of applicable taxes)

Advertisement fee – Rs. 200/- (inclusive of applicable taxes)

The interest rates applicable on gold loans are dynamic and frequently change due to external factors.

Still have not found what you are looking for? Click on any of the links at the top of this page.

Frequently asked questions

How to get a gold loan?

Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a loan against gold from Bajaj Finserv, you can apply online, and we will call you and guide you on the next steps or you could simply visit the nearest gold loan branch in your city. To apply for an online gold loan, you need to follow the below mentioned steps:

  1. Click on the ‘APPLY’ option on the top of this page.
  2. Fill out the online form by submitting your basic information. Fill details like name, mobile number and select your city from the drop-down.
  3. On verification of your details, you can submit the form.
  4. Our representative will contact you and help you on the next steps.
Who is eligible to get a gold loan?

Salaried, self-employed individuals, traders, farmers, and businesspersons are all eligible to apply for a gold loan. To get a gold loan from Bajaj Finserv, you must be between 21 and 70 years of age and have gold jewellery of 22 karats and above.

Know more about gold loan eligibility.

When should you apply for a gold loan?

You should apply for a gold loan when you need money for some unplanned expenses. Also, a gold loan is a good option if you already have the burden of an ongoing loan. You can apply for a gold loan by pledging gold jewellery you may have at your home. To get a gold loan, you can walk in to the nearest Bajaj Finserv Gold Loan Branch in your city. In case you are looking for a more convenient option, you could also fill the gold loan application form on the Bajaj Finserv website.

Can you get a gold loan on jewellery?

Yes, you can get a loan against gold jewellery at an attractive interest rate. Bajaj Finserv gold loan interest rates start from 9.50% p.a. onwards. To get a loan against gold, click on the ‘APPLY ONLINE’ option on the top of this page. You could also walk into the nearest Bajaj Finserv Gold Loan branch in your city.

know how to apply for gold loan online.

What is a gold loan?

A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). Here you have to pledge your gold jewellery as collateral to get the loan against gold.

Lenders decide the loan amount after checking the weight and purity of your gold jewellery. They do the LTV calculation, which is ‘loan to value’ ratio. The loan amount provided by the lender is up to 75% of the value of your gold jewellery. The value is based on the current market value of gold.

What is the maximum limit for a gold loan for farming?

With Bajaj Finance, the maximum limit for a gold loan for farming can extend up to Rs. 2 crore. To determine the exact amount you are eligible for based on your gold jewellery, it is advisable to use our online gold loan calculator. This tool helps you assess the loan amount that suits your needs and collateral value.

What is the age limit to apply for a gold loan for farming?

If you are between the ages of 21 and 70 years, you can obtain a gold loan for farming from Bajaj Finance. To check if you qualify, refer to the gold loan eligibility section on the page above.

Who is eligible for a gold loan for farming?

Bajaj Finserv Gold loan eligibility includes any Indian citizen aged between 21 and 70 years, making them eligible to apply for a gold loan for farming.

What is the cash limit for a gold loan for farming?

For a gold loan for farming of up to Rs. 1,99,999, you can receive cash. Amounts above this limit will be transferred to your bank account.

Is agriculture and farming gold loans different?

No, agriculture and farming gold loans are the same. Both terms refer to gold loans designed for farmers, helping them meet their agricultural financing needs with the same financial product.

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