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: Click on the ‘APPLY’ option on the top of this page. Fill out the online form. Enter 10-digit mobile number and OTP. Submit the OTP to verify your identity. Fill in your personal details and choose the nearest gold loan branch Download the in-principle loan eligibility letter Our representative will contact you and help you on the next steps.

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 apply online on the Bajaj Finserv website or App.

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% to 24% 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.

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 85% of the value of your gold jewellery. The value is based on the current market value of gold.

Gold Loan for home renovation | Loan up to Rs. 2 crore

Rs. 5,000 - Rs. 2 crore

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Types of home renovation

Putting up a new house or fixing up an old one can cost a lot. A kitchen remodel can lead to an expense of a couple of lakh rupees, while a long-needed bedroom makeover could also cost the same amount. Sometimes, you may have to do major repairs that you did not expect. Why use your savings when you could get a gold loan instead?

Remodeling

With time, you may want to make some significant changes to the existing structure, design, and layout of your home. This can improve its functionality, aesthetics, and value. It is sometimes an expensive process. A gold loan is a great option to get access to funds right away.

Plumbing

Give your home’s utilities a much-needed modern upgrade. With a quick gold loan disbursement, you can pay for your plumbing remodeling costs whether you are updating fixtures, repairing old pipes, or renovating a bathroom entirely.

New furniture

When you update or remodel your home, the old furniture may not look good, or even fit in the newly renovated space. Depending on the changes you are making to your living spaces, you may need to buy new furniture that fits your needs and lifestyle better.

Repairs and maintenance

Regular home maintenance is necessary to keep up the value of your property. You might need to get an architect and civil contractors to help you. Depending on the size of the house, these repairs could cost anywhere from 1 lakh to 10 lakh.

Home automation

You might want to upgrade your apartment into a smart home. Install an automation system to control things like door locks, TVs, thermostats, home monitors, cameras, lights, and even appliances like the fridge.

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Eligibility criteria and documents required for gold loan

Gold loan eligibility is usually quite simple. You need to be an adult and own gold jewellery and ornaments of 18-22 karat purity, or gold coins up to 24 karat purity to pledge. Lenders mainly look at a few basic things — your age, the purity of the gold, and your repayment capacity. The paperwork is minimal, usually just basic KYC documents. With a Bajaj Finserv Gold Loan, the process is even quicker, helping you get funds without lengthy formalities. Keeping your documents handy can make the whole process smooth, quick, and completely hassle-free.

Quick tip: Turn your gold into instant support—handle any expense with ease. Check your gold loan eligibility and access funds when you need them most.

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Section	Parameter	Applicable Details
Eligibility Criteria	Gold purity accepted	18-22 Karat for jewellery and ornaments
	Gold purity accepted	24 karat for gold coins
	Eligible collateral types	Gold ornaments, jewellery, and coins
Eligible limit for each collateral type	Ornaments	Total pledged weight across all loans must not exceed 1 kilogram
	Gold coins	The total weight of gold coins pledged cannot be more than 50 grams.
	Gold Jewellery	As per maximum loan amount.
	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.
	Collateral protection	Any loss, damage, or discrepancy in the quantity or purity of your pledged gold identified during audit, return, or auction will be recorded and promptly communicated to you or your legal heirs. The reimbursement or compensation process, as per company policy and SOP, will be clearly explained. Delays in collateral release due to lender fault will attract compensation of ₹5,000 per day.
Gold loan renewal	Renewal parameter	You can request renewal of your gold loan before maturity if it remains in standard status and within permissible LTV limits. This facility is available only to existing customers. For bullet repayment loans, accrued interest must be cleared. Renewals are subject to credit checks, fresh applicable charges, and are not allowed after maturity.
Gold loan top up	Top up parameter	Top-up is allowed before maturity, subject to regulatory LTV limits, credit assessment, and customer eligibility. Fresh fees and charges apply. Top-up after maturity is not permitted, even if dues are outstanding. Top up facility is available only to existing users.
LTV (Loan to Value)	For loans up to Rs.2.5 lakh	85%
	For loans between more than Rs.2.5 lakh to Rs.5 lakh	80%
	For loans from more than Rs. 5lakh to Rs. 2 crore	75%
Gold Value	Evaluation parameter	As per the latest guidelines, gold loans are offered against specific purity of gold jewellery, ornaments and gold coins, valued using lower of the average closing price for your gold's specific purity over the last 30 days or the previous day's closing price, as published by IBJA or a SEBI-regulated commodity exchange, within prescribed limits and subject to KYC and timely repayment.

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Disclaimer

Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *

Gold Loan for Home Renovation

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