As a melting pot of culture, the state of Kerala in India stands out as one of the most bustling and rapidly developing urban centres in the country. Renowned for its abundant cultural heritage, historical landmarks, delectable cuisine, and lively nightlife, Kerala, with a population exceeding 34 million, serves as a thriving hub for commerce, trade, and tourism.
Delving into its rich history of gold trading, Kerala proudly hosts some of India's largest and most ancient gold markets. The city's deep affection for gold is unmistakable, reflected in the numerous jewellery stores and markets showcasing a diverse array of gold jewellery, spanning both traditional and contemporary designs.
Gold loan in Kerala
In the backdrop of Kerala's extensive history in gold trading, the city houses some of India's largest and oldest gold markets. The love for gold is palpable through numerous jewellery stores and markets showcasing a diverse range of gold jewellery, encompassing both traditional and contemporary designs.
Explore the Bajaj Finserv Gold Loan for seamless and hassle-free financial assistance. Avail funds ranging from Rs. 5,000 to Rs. 2 crore with interest rates commencing at just 9.50% p.a.. Our gold loan ensures you meet both planned and unforeseen expenses effortlessly, providing various benefits such as:
- Part-release facility
Repay a portion of your loan to retrieve part of your gold jewellery before the loan tenure concludes with our part-release facility. - No part-prepayment or foreclosure fee*
Settle a part of your loan early or the entire amount without incurring additional costs. - Transparent evaluation
Utilising top-notch karat metres ensures you receive the utmost value for your gold at all our branches. - Free gold insurance
Safeguard your gold jewellery against theft or misplacement while in our custody with our complimentary insurance. - Convenient repayment options
Choose from multiple repayment frequencies—monthly, bi-monthly, quarterly, half-yearly, or annually—based on 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 select the amount that suits your requirements from the offer extended to you. - 800 branches and growing
We currently opened 60 new branches and are adding more across India in the cities that we operate in.
Eligibility criteria and documents required for gold loans in Kerala
Any Indian citizen aged between 21 to 70 can apply for a gold loan for various purposes, such as farming, business needs, or medical emergencies. Submit one of the following KYC documents to complete the application process:
- Aadhaar card
- Voter ID card
- Passport
- Driving licence
- NREGA job card
- Letter issued by National Population Registration
While the PAN card is not mandatory, applicants seeking a gold loan of Rs. 5 lakh or above may be required to submit it.
Gold loan interest rates and charges in Kerala
Avail a competitive gold loan interest rate, starting at 9.50% per annum, with our 100% transparent terms and conditions, ensuring no hidden charges.
Know all about our fees and charges before applying.
Gold loan calculator
Utilise the Bajaj Finserv Gold Loan Calculator —an online tool providing precise estimates based on the gold loan rate per gram. Input your gold's weight or desired loan amount for an instant estimate of the maximum loan amount available.
Why choose Bajaj Finance to avail a gold loan in Kerala?
Bajaj Finance offers a hassle-free application process, minimal documentation, and quick approval, making it the ideal choice for those urgently in need of funds. With added benefits like multiple repayment options and transparent terms, we ensure a seamless and customer-centric borrowing experience.
How to apply for a gold loan in Kerala?
Follow these steps to apply for a gold loan:
- Click on 'APPLY' 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 nearest branch.
- Enter your full name and date of birth as per your PAN.
- Schedule your appointment at our branch.
Upon completion, our representative will contact you to confirm the appointment and guide you through the next steps.
Gold loan in other cities
Visit the nearest Bajaj Finserv Gold Loan branch in your city.
