Gold Loan in Kerala

Here’s a comprehensive guide on how to get gold loans in Kerala.
Gold Loan in Kerala
2 min read
07 February 2024

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:

  1. Click on 'APPLY' 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 nearest branch.
  5. Enter your full name and date of birth as per your PAN.
  6. 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

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Gold Loan in Salem

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Gold Loan in Udaipur

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


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*Terms and conditions apply

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.

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