Gold Loan in Guwahati

Here’s a comprehensive guide on how to get gold loans in Guwahati.
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Gold Loan
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2 min read
23 March 2025

Guwahati, located in Assam, India, is a vibrant city on the Brahmaputra River known for its cultural heritage. It serves as the gateway to the north-eastern region, with ancient temples and natural beauty like the Kamakhya Temple attracting visitors.

In Guwahati, gold holds cultural and economic importance. Beyond its glitter, gold symbolises prosperity and tradition, prominently featured in weddings and festivals. The city's markets, filled with vibrant gold shops, reflect the enduring fascination and cultural significance attached to this precious metal in the lives of Guwahati's residents.

Gold loan in Guwahati

Against this backdrop, gold loans have become a favoured and convenient financial solution among the residents of Guwahati. The flexibility and simplicity they offer make gold loans a popular choice for those in need of quick funds without having to part with their valuable jewellery.

If you find yourself in need of swift financial assistance, consider the Bajaj Finserv Gold Loan for a straightforward and hassle-free option. You can secure funds ranging from Rs. 5,000 to Rs. 2 crore, with interest rates starting at just 9.50% per annum. Check your eligibility and apply for a gold loan to get the best value for your gold jewelry.

Features and benefits of gold loan in Guwahati

Gold loans have become a highly preferred financial option in Guwahati, providing a combination of flexibility and convenience for those needing immediate funds while retaining ownership of their valuable jewellery. Here are the key features and benefits of taking gold loans in Guwahati:

  • Partial release facility:
    With the gold loan part release facility, you can repay a portion of your loan and retrieve some of your gold jewellery before the end of the loan term, offering greater financial management flexibility.
  • No part-prepayment or foreclosure fee*
    Repay a part or pay the entire amount of your loan in advance at no extra cost.
  • Transparent evaluation
    We use advanced karat meters across all our branches to make sure you get the most value for your gold.
  • Free insurance for gold
    Our free insurance covers against theft or loss of your gold jewellery while it is with us.
  • 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.
  • 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.
  • 1100 branches and growing
    We have recently opened 60 new branches and are adding more across India in the cities that we operate in.

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

Individuals can apply for a gold loan to meet various needs such as farming, business requirements, medical emergencies, and more, given they fulfil the essential eligibility criteria. Applicants should be Indian citizens aged between 21 and 70. To complete the application process, one needs to provide any of the following KYC documents:

  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence
  • NREGA job card
  • Letter issued by National Population Registration

Submission of the PAN card is mandatory for a gold loan of Rs. 5 lakh or more. Click here to check your gold loan eligibility and apply for a gold loan today.

Gold loan interest rates and charges in Guwahati

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 gold loan interest rates and charges before applying.

How to calculate gold loan in Guwahati

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 key 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 Guwahati?

Bajaj Finance offers a hassle-free application process, requiring minimal documentation and guaranteeing 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 smooth borrowing experience, making it the preferred choice for availing of a gold loan in Guwahati.

How to apply for a gold loan in Guwahati?

Here is a detailed guide to apply for a gold loan

  1. Click on ‘APPLY’ located at the top of this page to open our online
  2. application form
    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.

Uses of loan against gold in Guwahati

A loan against gold in Delhi is a flexible financial solution that allows individuals to manage both planned and unexpected expenses without selling their gold. With minimal documentation and fast disbursal, it serves multiple purposes efficiently.

  • Business growth – Entrepreneurs can use a gold loan in Delhi to invest in inventory, equipment, or working capital, ensuring smooth business operations.
  • Educational needs – Whether for domestic or international studies, a loan against gold in Delhi provides immediate funds for tuition fees and academic expenses.
  • Medical emergencies – Urgent healthcare costs can be met quickly with a gold loan, offering instant financial support during critical situations.
  • Wedding expenses – With weddings in Delhi being elaborate affairs, a gold loan helps cover venue costs, jewellery purchases, and other related expenses.
  • Debt repayment – Borrowers can consolidate high-interest debts by availing funds at competitive gold loan rates in Delhi, reducing their overall financial burden.

The today gold loan rate in Delhi is influenced by gold purity and prevailing market prices, ensuring borrowers get the best possible value. Bajaj Finance offers competitive interest rates, flexible repayment options, and a smooth application process, making it a reliable choice for a gold loan in Delhi.

Why is a gold loan a suitable credit option in Guwahati?

A gold loan is a suitable credit option in Guwahati due to its quick processing, minimal documentation, and flexible repayment options. With a strong cultural significance attached to gold, many households in Guwahati prefer leveraging their gold assets for financial needs instead of selling them.

Key reasons why a gold loan is ideal:

  • Quick approval – Quick processing ensures immediate access to funds.
  • Minimal paperwork – Borrowers need only basic KYC documents for approval.
  • Convenient repayment – Options include monthly, bi-monthly, quarterly, half- yearly or annual interest repayment with any pending interest or principal due to payment at maturity.
  • No credit score dependency – Eligibility is based on gold value, not credit history.
  • Competitive interest rates – Borrowers benefit from favourable gold loan rates in Guwahati.

Bajaj Finance offers a hassle-free gold loan process, enabling borrowers in Guwahati to access funds conveniently while retaining ownership of their gold assets.

Know more about gold Loan in Indian states and Union Territories

Gold loan in Tamil Nadu

Gold loan in kerala

Gold Loan in Chandigarh

Gold loan Delhi

 

Gold loan in other cities

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Gold Loan in Kota

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Gold Loan in Surat

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Gold Loan in Amritsar

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Gold Loan in Mysore

Gold Loan in Udaipur

Disclaimer

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

When should you apply for a gold loan?

You should apply for a gold loan when you need money for your planned or unplanned expenses. A gold loan is a form of a secured loan. It may be a good option if you already have an ongoing loan. You can apply for one by pledging the gold jewellery you may have at your home.

Walk into the nearest Bajaj Finserv Gold Loan Branch in your city. You can also start by completing the simple application form on the Bajaj Finserv website.

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% p.a. onwards. To get a loan against gold, click on the ‘APPLY’ option on the top of this page. You could also walk into the nearest Bajaj Finserv Gold Loan branch in your city.

How do fluctuations in gold prices impact your gold loan?

Fluctuations in gold prices directly influence your gold loan value. As the gold price changes, so does the collateral's worth, affecting the loan amount. It's essential to monitor the gold rate to understand these variations and make informed decisions about your gold loan, ensuring financial stability.

How can you repay your gold loan?

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 for your loan against gold, if any, will be due for payment at the time of loan maturity.

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 gold loan from Bajaj Finance, 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:

  1. Click on ‘APPLY’ 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.

What KYC Documents are required for a gold loan in Guwahati?

To apply for a gold loan in Guwahati, you need to provide KYC documents such as Aadhaar card, Voter ID card, passport, driving licence, NREGA job card or a letter from national population registration.

What is the maximum tenure of a Gold Loan in Guwahati?

The maximum gold loan tenure in Guwahati varies, but typically it can be up to 12 months months.

What are the benefits of getting a gold loan in Guwahati?

Taking a gold loan in Guwahati offers several benefits. Firstly, it provides quick and hassle-free access to funds with minimal documentation. Secondly, gold loans come with lower interest rates compared to personal loans. Thirdly, you can continue to use your gold ornaments after repaying the loan. Lastly, flexible repayment options make it easier to manage your finances. Learn more about the benefits of taking a gold loan with Bajaj Finance.

How to increase your CIBIL score using a gold loan in Guwahati?

To increase CIBIL score using a gold loan in Guwahati, apply for the loan and use it responsibly. Make timely repayments to demonstrate good credit behaviour. Monitor your credit report regularly to ensure accuracy.

What are the best and easiest ways to repay your gold loan in Guwahati?

There are several easy ways to repay your gold loan in Guwahati, including EMI payments, bullet repayments, and part-prepayments.

What are the factors that affect gold loan interest rates?

Several factors affect gold loan interest rates. These include the purity and value of the gold, loan amount, tenure, lender's policies, and market conditions. Higher purity gold usually attracts lower interest rates. Learn more about the factors that affect gold loan interest rates on the Bajaj Finance website.

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