Gold Loan in Guntur

Know everything you need to know about gold loan in Guntur.
Gold Loan
6 min
06 May 2024

Guntur, located in the vibrant state of Rajasthan, is famed for its cultural heritage and historical significance. Amidst its historical splendour, gold holds significant importance in Guntur's economy and culture. The city's residents consider gold not only as a traditional investment but also as an integral part of religious and social ceremonies, reflecting its enduring cultural and economic significance in Guntur.

Why is gold loan a feasible borrowing option in Guntur?

Amidst this backdrop, gold loans have emerged as a popular and convenient financial solution for the people of Guntur. With the flexibility and ease, gold loan in need of money has become a go-to option for individuals seeking easy access to funds without parting with ownership of their valuable jewellery.

So, if you are looking for quick funds, Bajaj Finserv Gold Loan offers you an easy and hassle-free option. You can avail funds starting from Rs. 5,000 up to Rs. 2 crore with interest rates starting at just 9.50% p.a. With our gold loan, you can meet all your planned and unplanned expenses with great ease. Our gold loan offers several benefits such as:

  • 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*
    Repay a part of your loan in advance or pay the entire amount at no extra cost.
  • 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
    Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.
  • 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 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.

Eligibility criteria and documents required to apply for gold loans in Guntur

Anyone can apply for a gold loan for farming, business needs, medical emergency and more, as long as they meet the basic gold loan eligibility criteria. You just need to be an Indian citizen between the ages of 21 years to 70 years. You need to submit any one of the following KYC documents to complete your application process:

  • 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 Guntur

With us, you can get a gold loan interest rate starting at just 9.50% per annum. You can stay assured of zero hidden charges with our 100% transparent terms and conditions.

Know all about our fees and charges before applying.

Gold loan calculator

The Bajaj Finserv Gold Loan Calculator is an online tool that you can use to calculate your gold loan interest rate and loan term. One of the primary advantages of using our gold loan calculator is that it provides you with precise loan estimates based on the gold loan rate per gram. The calculator simplifies the process. Input your gold's weight or desired loan amount, and it provides an immediate estimate of the maximum loan amount available.

Why choose Bajaj Finance to avail a gold loan in Guntur?

Bajaj Finance offers a hassle-free application process, requiring minimal documentation and ensuring quick approval, making it an ideal choice for those in urgent need of funds. With additional benefits like multiple repayment options and transparent terms, we ensure a seamless and customer-centric borrowing experience, making it the preferred choice for availing a gold loan in Guntur.

Ways to repay your gold loan in Guntur

We offer multiple ways to repay your gold loan, where you may choose to repay your gold loan, including paying 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.

How to apply for a gold loan in Guntur?

Here is a step-by-step guide to apply for a gold loan:

  1. Click on ‘APPLY’ located at the top of this page 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.

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Visit the nearest Bajaj Finserv Gold Loan branch in your city.


1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

What KYC documents are required for gold loan?

To avail of a gold loan you need to submit any one of the following KYC documents to complete your application process: 

  • 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. 

What are the benefits of taking a gold loan?

Benefits of taking a gold loan offers numerous benefits, including quick access to funds, lower interest rates, flexible repayment options, and minimal documentation. These benefits make it an attractive option for individuals seeking financial assistance while leveraging the value of their gold assets. Explore the benefits of taking a gold loan today.

How much loan can I get for 1 gram gold in Guntur?

The loan amount for 1 gram of gold in Guntur depends on factors like the current market value of gold, the lender's policies, and the purity of the gold. Typically, lenders offer loans based on a percentage of the gold's value, which can vary among institutions.

What is the interest of a 1 lakh gold loan in Guntur?
For the accurate interest on a 1 lakh gold loan in Guntur, leverage the Bajaj Finserv Gold Loan Calculator to factor in your jewellery’s purity. Alternatively, visit our nearest branch for personalized assistance and precise loan details tailored to your specific requirements.
Can I get gold loan immediately in Guntur?
Yes, obtaining a gold loan in Guntur is possible with minimal processing time. Bajaj Finance offers gold loan with quick approval processes, allowing borrowers to access funds promptly against their gold jewellery, providing a convenient solution for urgent financial needs.
How to increase CIBIL Score using gold loan in Guntur?

To increase your CIBIL score using gold loan in Guntur, ensure timely repayment of the loan amount. By making regular payments and adhering to the loan terms, you demonstrate responsible financial behaviour, which positively impacts your creditworthiness. Additionally, maintaining a healthy credit mix, avoiding over-leveraging, and managing existing debts wisely can further enhance your CIBIL score over time, contributing to improved financial credibility and access to better loan terms in the future.

How is gold loan amount decided in Guntur?

In Guntur, like elsewhere, the gold loan amount is determined primarily by the value of the gold provided as collateral. Lenders assess the purity and weight of the gold to calculate the loan amount. Factors such as current market rates and loan-to-value ratios also influence the final amount. Generally, borrowers can receive a loan amount ranging from a percentage of the gold's value to its full value, depending on the lender's policies.

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