How to apply for a Gold Loan

How to apply for a Gold Loan

Learn how to apply for a gold loan with these simple steps.

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Calculator

Calculator

FAQs

FAQs

Videos

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Rs. 5,000 - Rs. 2 crore

Calculate Loan Interest

To find the nearest gold loan branch,

click here

Enter phone and OTP | Check amount you can get | Apply for quick funds

Process to apply for a gold loan

Applying for a Bajaj Finserv Gold Loan is super simple and does not take much of your time. All you need to do is walk into the nearest branch with your gold jewellery and one valid KYC document like Aadhaar, passport, Voter ID, driving licence, NREGA job card or a letter from the NPR. The team will check the weight and purity of your gold, tell you the loan amount you are eligible for, and process it right there. In most cases, the money is transferred to your bank account the same day, so you walk out with funds ready when you need them.


If visiting a branch feels inconvenient, you can also start the process online through the Bajaj Finserv App or website. The application is quick, easy, and user-friendly, making the whole experience smooth. With minimal paperwork and transparent terms, you get a gold loan without stress, while your jewellery stays safe in secure lockers.


Discover your borrowing potential by checking your gold loan eligibility. It takes just a few clicks and no waiting.

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Gold loan interest rate and charges

Bajaj Finserv Gold Loan offers competitive interest rates that affects how much you repay and keeps borrowing affordable. We offer interest rate ranging from 9.50% to 24% p.a. There is a small processing fee on the loan amount, along with a few other minimal charges, all of which is mentioned upfront on our gold loan interest rate page. The best part is that there are no foreclosure charges, so you can repay your loan early without paying anything extra. Everything is clear and upfront, making it easy to plan your repayments.

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Eligibility criteria for gold loans

Applying for a Bajaj Finserv Gold Loan is simple because the eligibility rules are straightforward. You just need to be an Indian citizen between 21 and 70 years of age and have 18-22 karat gold jewellery of the required purity. There is no need to worry about a high credit score or complicated paperwork. As long as you have gold jewellery to pledge, you can quickly qualify and get access to funds without stress.


It takes just 2 steps to check your eligibility for a Bajaj Finserv Gold Loan. Enter your mobile number now.

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How to apply for a Bajaj Finserv Gold Loan online

To apply for a Bajaj Finserv Gold Loan online, follow these simple steps:


  1. Click on “Apply” to start your online application
  2. Enter your 10-digit mobile number and click on “Get OTP”
  3. Submit the OTP to verify your identity
  4. Fill in your personal details and choose the nearest gold loan branch
  5. Download the in-principal loan eligibility letter

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


Ready to unlock the value of your gold? Apply for Bajaj Finserv Gold Loan today.

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.