Gold loans from Bajaj Finance offer various features and benefits that make them ideal for Hisar’s residents. The gold loan features and benefits make them an attractive financial product for residents of Hisar. If you are looking for fast access to funds, the Bajaj Finserv Gold Loan offers a hassle-free solution. You can borrow from Rs. 5,000 to Rs. 2 crore with interest rates starting from just 9.50% per annum. Here’s a look at the key features offered under our gold loan:
- 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: To ensure you get the best value for your gold, we use top-quality karat metres in all our branches.
- Free insurance of gold: Our free insurance covers against theft or loss 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 customer 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 quick 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 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.
These features and benefits make gold loans an efficient and advantageous financial solution for residents of Hisar, ensuring they receive quick access to funds with minimal inconvenience.
How to apply for a gold loan in Hisar?
If you are planning to apply for a gold loan in Hisar, the process is very easy and can be started online in just a few steps. Follow this step-by-step guide:
- Click on the “Apply” button on the official Bajaj Finserv Gold Loan website.
- Enter your 10-digit mobile number and click on “Get OTP”.
- You will receive an OTP (one-time password). Enter the OTP to confirm your mobile number.
- Fill in your personal details, such as your name, address, and age.
- Choose the nearest Bajaj Finance gold loan branch in Hisar.
- Download your In-principal loan eligibility letter for reference.
After this, one of our representatives will give you a call to fix an appointment. They will also explain the next steps and help you complete your gold loan application in Hisar smoothly and quickly.
Documents required for gold loan application in Hisar
Applying for a gold loan with Bajaj Finance in Hisar requires minimal documentation, ensuring a smooth and efficient process. To simplify the gold loan process, Bajaj Finance in Hisar requires only essential documentation, making it accessible to a broad range of applicants.
To apply, you need to provide one of your basic KYC documents:
- Aadhaar Card
- Voter ID Card
- Passport
- Driving Licence
- NREGA Job Card
- Letter Issued by National Population Registration
Though PAN card is not a mandatory document, in loans ₹ 5 lakh you are required to share the PAN card details. This streamlined approach makes gold loans easily attainable for Hisar’s residents, even for those without extensive financial paperwork, encouraging broader financial inclusion and support for urgent funding requirements.
Eligibility criteria for gold loans in Hisar
Anyone in Hisar can apply for a Bajaj Finserv Gold Loan to meet different needs such as farming, medical expenses, education, or other personal needs. The eligibility conditions are easy to meet:
- Age: You must be between 21 to 70 years.
- Citizenship: You should be an Indian citizen.
- Gold purity: Your gold jewellery must have a purity of 18-22 karat.
- Occupation: Whether you are salaried, self-employed, a homemaker, or retired, you can apply.
- Credit score: You do not need a high credit score, since the loan is secured against your gold.
These simple requirements make it easy for anyone in Hisar to get a gold loan during urgent financial needs.
Best interest rates for gold loans in Hisar
If you are looking for a smart way to get quick money without high costs, Bajaj Finance offers gold loan in Hisar with competitive interest rates. These loans help you meet your financial needs while keeping the repayment stress low. The interest rate you get depends on things like your loan amount, gold purity, and how long you want to repay.
Types of fee
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Applicable charges
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Interest rate
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9.50% p.a. to 24% p.a.
|
Processing fees
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0.15% of the loan amount (inclusive of applicable taxes).
Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).
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Stamp duty (as per respective state)
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Payable as per state laws and deducted upfront from loan amount
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Cash handling charges
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Rs. 50 (inclusive of applicable taxes) applicable for cash disbursement only.
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Penal charge
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3% per annum on Outstanding Balance. Penal Charge will be over and above the interest rate which shall be applicable/chargeable in case of default in repayment of the Outstanding Dues post-maturity.
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| Convenience fee |
Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for part release of ornament(s) pledged. |
Part-prepayment charges
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NIL
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Foreclosure charges
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Nil, any time post disbursement of loan
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With Bajaj Finance, borrowers can enjoy several benefits, including multiple repayment tenures ranging up to 12 months and a high LTV ratio of up to 75%, which maximises the loan amount based on your gold's value. The quick disbursal process ensures that funds are available promptly, supporting immediate financial needs.
How to calculate gold loan in Hisar?
If you are planning to apply for a gold loan in Hisar, using a gold loan calculator can help make things easy. It is a free online tool that gives you a quick idea of how much loan you can get based on your gold.
Here is how to use the calculator:
- Enter gold weight or loan amount – Type the weight of your gold jewellery or the amount you need.
- Check gold purity – Select the gold loan purity in carats. This affects how much loan you will get.
- See loan estimate – Based on current gold rates and your inputs, the calculator shows the approximate loan amount.
- View interest rate and tenure – It also shows the possible interest rates and repayment duration.
This tool helps you plan better and apply for a gold loan in Hisar with confidence. It is simple, quick, and gives a clear picture before applying.
Repayment options for gold loans in Hisar
At Bajaj Finance, we know that everyone’s financial situation is different. That is why we offer flexible ways to repay your gold loan in Hisar. You can choose how often you want to pay the interest based on what suits you best. Here are the repayment options available with us:
- Monthly payments – Pay interest every month.
- Bi-monthly payments – Pay once every two months.
- Quarterly payments – Pay every three months.
- Half-yearly payments – Pay twice a year.
- Annual payments – Pay once a year if you prefer longer gaps.
You can pick any of these options based on your comfort. Just remember, the main loan amount and any remaining interest need to be paid at the end of the loan term. These easy choices make it simple for people in Hisar to manage their gold loan without stress.
Safety and security of gold collateral in Hisar
The security of pledged gold is a top priority. Bajaj Finance ensures that borrowers' gold jewellery is stored safely, providing peace of mind throughout the loan period.
- Gold is kept in high-security vaults with advanced surveillance.
- Complementary insurance policies protect against theft or loss.
- Privacy protocols ensure customer information remains confidential.
- Detailed documentation assures borrowers of their gold's safety.
Why choose Bajaj Finance to avail a gold loan in Hisar?
If you are in Hisar and need quick funds, a gold loan in Hisar from Bajaj Finance can be a smart and secure choice. It offers a smooth process with good value for your gold jewellery.
- Quick application: Apply easily with just a few simple steps.
- Minimal paperwork: Only one KYC document is needed to start.
- Fast approval: Get your loan approved quickly, perfect for urgent needs.
- Flexible repayments: Choose how you want to repay the interest—monthly, every two months, quarterly, half-yearly, or yearly.
- Clear terms: Everything is explained clearly with no hidden charges.
- Safe storage: Your gold stays safe, insured, and handled carefully.
- Helpful service: Customer centric staff guide you through each step.
Bajaj Finance focuses on making the gold loan process easy and worry-free for residents of Hisar. Whether it is for a medical emergency or any other personal need, this gold loan service is fast, safe, and dependable.
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