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Understanding gold loan in Ajmer
A gold loan in Ajmer allows you to access funds by pledging eligible gold jewellery, ornaments or coins as collateral. You retain ownership of your gold while it remains securely stored with the lender throughout the loan tenure.
The amount you can borrow depends on your gold’s purity, net weight, assessed value and applicable LTV limit. Your gold is evaluated in your presence, and you must complete the required KYC, documentation and credit checks before the loan is processed.
Features and benefits of a gold loan in Ajmer
A gold loan can help you meet planned or urgent financial needs without selling your eligible gold. Key gold loan features include:
- Loan amount from Rs. 5,000 to Rs. 2 crore: Your eligible amount depends on the assessed value of your gold, eligibility and applicable LTV limits.
- Clear gold evaluation: Your gold is assessed for purity and net weight. The valuation uses the lower of the previous day’s closing price or the 30-day average closing price for the relevant purity, published by IBJA or a SEBI-regulated commodity exchange.
- Free insurance of gold: Your pledged gold is insured against theft, burglary, fire at the branch and misplacement while it is in our custody.
- Multiple repayment options: Under bullet repayment, principal and interest due are paid at maturity. Under regular repayment, interest due is paid at half-yearly intervals according to the repayment schedule, while principal is paid at maturity.
- Part-release facility: With our gold loan part release facility, you can repay part of your loan and release a portion of your pledged gold before maturity, as per the part-release process.
- No additional part-prepayment or foreclosure charges: You can make part-prepayments or foreclose the loan without additional charges.
- Simple application process: Apply online or visit a gold loan branch in Ajmer for assistance.
- 1400 branches and growing: We have just opened 60 new branches and are adding more all over India. Additionally, we are opening new branches in the cities where we already have operations
How is the value of gold determined for a gold loan in Ajmer?
The value of your eligible gold depends on its purity, net weight and the applicable gold price benchmark.
Your gold is assessed in your presence for purity and net weight. The valuation considers the lower of the previous day’s closing price or the 30-day average closing price for the relevant purity, as published by IBJA or a SEBI-regulated commodity exchange. Only intrinsic gold value is considered, while stones, gems and embellishments are excluded.
Please note, the maximum LTV eligible for a loan depends on the loan amount and cannot be more than the limits given. To know more, click here.
How to calculate gold loan amount for your gold in Ajmer?
The gold loan calculator helps you estimate the amount you may borrow against your eligible gold.
- Enter your loan requirement: Add the amount you wish to borrow.
- Add gold details: Enter the approximate purity and weight of your gold.
- Select the tenure: Choose a suitable loan tenure from the list.
- Review the estimate: Check the indicative loan amount and interest payable.
The calculator provides an estimate. The final loan amount is decided after physical gold evaluation, applicable valuation and LTV limits.
Quick tip: Wondering how much you can borrow on your gold? Just check your gold loan eligibility—it takes seconds and minimal paperwork!
Repayment options for gold loans in Ajmer
Your selected repayment structure determines when you pay the interest and principal.
- Bullet repayment: Principal and interest due are paid at maturity.
- Regular repayment: Interest due is paid at half-yearly intervals as per the repayment schedule, while principal is paid at maturity.
- Part-prepayment: You can make part-prepayments without additional charges.
- Foreclosure: You can foreclose the loan without additional charges.
This convenience in repayment makes, Bajaj Finance Gold Loan a wise financial option.
Safety and security of gold collateral in Ajmer
Your pledged gold remains in the lender’s custody during the loan tenure. It is stored in secure vaults with 24x7 surveillance. Bajaj Finance provides free insurance against theft, burglary, fire at the branch and misplacement while the gold is in our custody.
Your gold is assessed in your presence, and details such as purity and net weight are recorded during the valuation process. If collateral release is delayed due to the lender’s fault, compensation of Rs. 5,000 per day applies as per the applicable process.
Why choose Bajaj Finance to avail a gold loan in Ajmer?
Bajaj Finance Gold Loan allows you to use the value of eligible gold without selling it.
- Retain ownership: Pledge eligible gold jewellery, ornaments or coins while retaining ownership.
- Know the valuation: Your gold is assessed in your presence for purity and net weight.
- Borrow against assessed value: The eligible amount depends on the assessed value and applicable LTV limits.
- Choose a repayment structure: Select bullet repayment or regular repayment as applicable.
- Access part-release: Repay part of the loan and release a portion of your pledged gold before maturity, as per the part-release process.
- Keep gold protected: Your pledged gold is securely stored and insured against theft, burglary, fire at the branch and misplacement while in our custody.
- Apply online or visit a branch: Start your application online or seek assistance at a gold loan branch.
Wondering how much you can borrow on your gold? Just check your gold loan eligibility—it takes seconds and minimal paperwork!
Know more about gold loan in Indian states and Union Territories
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Gold loan interest rates and charges in Ajmer
The gold loan interest rate in Ajmer is the cost you pay for borrowing money against your gold. With Bajaj Finance Gold Loan, interest rates in Ajmer start from 9.50% and can go up to 24.25% per annum. You get complete clarity with transparent terms and zero hidden charges, so you always know what you are paying.
A few factors can influence your gold loan interest rate. Market conditions may affect demand and pricing, while changes in gold rates directly impact the value of your pledged gold. Your chosen repayment frequency also plays a role in determining the final interest rate. Understanding these factors helps you plan your loan better and borrow with confidence.
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Eligibility criteria and documents required to apply for gold loans in Ajmer
In Ajmer, any Indian citizen can easily apply for a gold loan, as long as they meet the gold loan eligibility criteria. You have to be aged between 21 and 80 years and have 18-22 karat gold jewellery or ornaments to pledge for a gold loan in Ajmer. You can also pledge gold coins up to 24 karat purity.
You need to submit any one of the following KYC documents for gold loan to complete your application process - Aadhaar card, Voter ID card, Passport, Driving licence, NREGA job card, or 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.
Whether it is a festival or a financial need, your gold can help. Check your gold loan eligibility and take the next step.
How to apply for a gold loan in Ajmer?
In Ajmer, getting a Bajaj Finance Gold Loan is quick and stress-free. You can walk into your nearest branch with your gold and valid KYC documents. The team checks the purity and weight of your gold, works out the eligible loan amount, and starts processing right away. In most cases, the loan amount is credited to your account on the same day, helping you meet urgent needs without waiting. If you prefer a digital option, you can also apply online through the Bajaj Finance App or website and complete the process easily from the comfort of your home.
Thinking of applying for a gold loan? Start with a simple step—check your gold loan eligibility today.
Frequently asked question
Gold Loan
Interest Rate
In Ajmer, you can easily apply for a gold loan through Bajaj Finance. You have the convenience of applying online from home or by visiting your nearest Bajaj Finance Gold Loan branch. With low interest rates and a quick process, securing funds is simple. Before applying, remember to check your gold loan eligibility online to get an idea of how much you may qualify for.
Yes, gold loans are known for their speedy processing in Ajmer. Bajaj Finance offers a streamlined process with minimal paperwork, ensuring quick approvals and same-day disbursal. Your gold is assessed using advanced tools for precise valuation, and trained staff guide you through every step, making the experience fast, secure, and stress-free.
Yes, the loan amount can vary. Banks typically have stricter approval terms, while NBFCs like Bajaj Finance offer quick disbursal, convenient terms, and attractive rates, Bajaj Finance is often the preferred choice among borrowers in Ajmer.
Bajaj Finance offers low gold loan interest rates throughout the year. You can check the applicable interest and potential loan amount using the online gold loan calculator.
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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. *