Gold Loan in Mangaluru

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

Mangaluru, nestled along the western coast of India in Karnataka, is a vibrant city known for its rich cultural heritage and picturesque landscapes. In Mangaluru, gold is highly valued, not only as a traditional adornment for special occasions but also as a wise investment choice for many residents.

Gold loan in Mangaluru

The demand for gold has led to the availability of gold loan services in Mangaluru, offering a convenient financial solution for locals who can use their gold assets to secure quick and accessible loans during times of need.

If you are looking for quick funds, the 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
    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
    Utilizing the best karat meters 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 to apply for gold loans in Mangaluru

Anyone can apply for a gold loan for farming, business needs, medical emergencies and more, as long as they meet the basic 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 Mangaluru

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 Mangaluru?

Getting a gold loan from Bajaj Finance is super easy – you only need a few documents, and the approval is quick, making it great for those who need money fast. Plus, we give you more choices for repaying, and our terms are clear and straightforward. That's why Bajaj Finance is the top pick for getting a gold loan in Mangaluru.

How to apply for a gold loan in Mangaluru?

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.

Disclaimer

While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*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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