Our gold loan offers many benefits such as:
- Part-release facility
With the gold loan part release facility, you can choose to repay a part of your loan before the end of your loan tenure and release your jewellery in custody.
- 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
We use the best karat meters across all our branches to make sure you get the most value for your gold.
- Free insurance for gold
We offer free insurance for your gold jewellery in our custody that covers against theft or loss if any during the tenure.
- 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
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 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.
- 800 branches and growing
We've just opened 60 new branches and are adding more all over India, including in the cities where we're already working.
How to apply for a gold loan in Agra?
Here is a step-by-step guide to apply for a gold loan
- Click on ‘APPLY’ located at the top of this page to open our online application form
- Enter your 10-digit mobile number and click on ‘GET OTP’
- Submit the OTP to verify your identity
- Select your state and city to find the branch nearest to you
- Download the loan eligibility letter.
Once done, you will receive a call from our representative to confirm your appointment and guide you on the next steps.
Eligibility criteria and documents required to apply for gold loans in Agra
Anyone can request a gold loan for purposes like farming, business, or medical emergencies, provided they meet the essential eligibility conditions. You only need to be an Indian citizen aged between 21 and 70. To complete your application, simply provide any one of the listed KYC documents for gold loan:
- Aadhaar card
- Voter ID card
- Passport
- Driving licence
- NREGA job card
- Letter issued by National Population Registration
Though the PAN card is not a mandatory requirement, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card as well.
Gold loan interest rates and charges in Agra
With us, you can get a gold loan interest rate starting at just 9.50% per annum. Rest assured, our terms and conditions are completely transparent, ensuring there are no hidden charges whatsoever.
Bajaj Finserv Gold Loan follows a completely transparent lending process with no hidden charges, ensuring you are fully aware of all costs involved. With multiple repayment options, you can choose to pay interest at regular intervals while settling the principal at loan maturity. Additionally, keeping track of the today’s gold rate helps you determine the best time to apply, maximising the value of your pledged gold.
By opting for Bajaj Finserv Gold Loan, you benefit from a seamless borrowing experience with quick approvals and minimal paperwork, allowing you to meet urgent financial needs without unnecessary delays.
Know all about our gold loan interest rate before applying.
How to calculate gold loan in Agra?
A gold loan calculator is a user-friendly online tool designed to help you estimate the loan amount you can avail against your gold jewellery. It considers key factors such as the weight of gold, gold purity in carats, and the prevailing market rate to calculate your loan eligibility. Bajaj Finance offers a reliable gold loan calculator that enables you to plan effectively and make well-informed borrowing decisions.
Using the calculator is quick and straightforward. Follow these steps:
- Loan amount: Enter the amount you wish to borrow by pledging your gold jewellery.
- Interest rate: Input the annual interest rate applicable as per the Lender.
- Repayment frequency: Choose your preferred repayment schedule (monthly, quarterly, etc.).
- Result: The tool will display the estimated annual interest and the approximate gold weight needed based on your entries and the current gold rate.
This tool is ideal for anyone planning a gold loan in Agra, offering transparency and time-saving convenience.
Why choose Bajaj Finance to avail a gold loan in Agra?
If you are in Agra and need quick, secure, and reliable financial support, choosing a gold loan from Bajaj Finance is a wise decision. You can avail of a loan starting from Rs. 5,000 to Rs. 2 crore, depending on the purity and weight of your gold. A major benefit is the high loan-to-value (LTV) ratio—up to 75% of your gold’s market worth—helping you get maximum value for your jewellery.
Here is why Bajaj Finance Gold Loan stands out:
- Easy application: Begin online and finish at your nearest branch with just one valid KYC document.
- Safe custody: Your gold is stored securely in monitored vaults with free insurance cover.
- Low interest rates: Attractive rates from 9.50% to 24% per annum.
- Multiple repayment options: Choose monthly, bi-monthly, quarterly, half-yearly, or annual interest repayment options.
- Added features: Enjoy part-release and top-up facilities for better financial control.
- Widespread presence: With over 800 branches and strong roots in Agra, access is easy and personal support is close by.
- Complete transparency: No hidden charges, just a simple, trusted process from start to finish.
Know more about gold loans in Indian states and Union Territories
Know more about gold loan in other cities
