Gold Loan in Navi Mumbai

Here’s a comprehensive guide on benefits, interest rates, and the process to get a gold loan in Navi Mumbai. Check your loan eligibility today and get the best value for your gold.
Gold Loan in Navi Mumbai
2 min read
16 May 2025

Understanding gold loan in Navi Mumbai

Navi Mumbai, a planned city adjacent to Mumbai, is celebrated for its modern infrastructure, well-designed urban layout, and vibrant community life. As a bustling satellite city, Navi Mumbai combines residential, commercial, and recreational spaces, making it a dynamic hub on the western coast of India. In Navi Mumbai, gold isn't just a precious metal; it's a cultural emblem, often adorning individuals during special celebrations and festivals, symbolizing tradition and prosperity. 

Features and benefits of gold loan in Navi Mumbai

Our gold loan offers several benefits such as:

  • Part-release facility
    With our part release facility for hold loan, 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
    We use the best 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 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 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.
  • 800 branches and growing
    We've recently inaugurated 60 new branches and continue to expand our presence throughout India. Additionally, we're opening fresh branches in the cities where we are already operational.

How to apply for a gold loan in Navi Mumbai?

By familiarising yourself with these steps and knowing the key benefits and conditions, you can easily obtain a gold loan in Navi Mumbai to comfortably fulfil your financial needs.

  • Click on ‘APPLY’ to open our online application form.
  • Enter your 10-digit mobile number and click on ‘GET OTP.’
  • Submit the OTP to verify your identity.
  • Submit the OTP to verify your identity.
  • Fill in your personal details and select the nearest gold loan branch.
  • Download the loan eligibility letter.

After that, one of our representatives will call you to confirm your appointment and explain the next steps.

Eligibility criteria and documents required to apply for gold loans in Navi Mumbai

Indian citizens between the ages of 21 years to 70 years can apply for a gold loan for farming, business needs, medical emergencies and more, as long as they meet the basic eligibility criteria. 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 Navi Mumbai

Bajaj Finance provides attractive and competitive rates for those seeking a gold loan. The gold loan interest rate starts from just 9.50% to 24% per annum, offering an affordable way to fulfil your financial needs. A major advantage of choosing Bajaj Finance is our fully transparent approach—there are no hidden fees at any point in the process. All terms are clearly communicated upfront, so you know exactly what to expect.

Before applying, it is essential to understand the full details of fees and charges involved. For more information, please visit our comprehensive page on gold loan interest rate and charges. This ensures you can make a well-informed decision and enjoy a smooth, stress-free borrowing experience.

How to calculate gold loan in Navi Mumbai?

If you are thinking about applying for a gold loan in Navi Mumbai, using our online gold loan calculator is an easy and convenient way to find out how much loan amount you may be eligible for. This free online tool helps you get a quick estimate based on the weight of your gold and gold loan purity, which are the main factors that determine the loan amount you can receive. Additionally, the calculator provides information about the current interest rates and available repayment options, helping you make a well-informed decision and plan your finances more effectively. It saves you time and effort by giving instant results without the need to visit a branch. Here is a simple step-by-step guide on how you can use the gold loan calculator to estimate your loan amount:

  • Enter the weight of your gold jewellery in grams.
  • Choose the purity of gold, like 18K, or 22K.
  • The calculator will show the estimated loan amount based on the prevailing gold rate.
  • You will also see the interest rate and loan tenure available.

This tool is quick, easy to use, and helps you understand your eligibility before applying. Whether you are borrowing for an emergency or personal need, the gold loan calculator makes the process smooth and clear for Navi Mumbai residents.

Repayment options for gold loan in Navi Mumbai

Bajaj Finance provides flexible repayment options for gold loans in Navi Mumbai, helping borrowers manage their finances with ease. Here are the main repayment choices available:

  • Multiple repayment schedules: You can repay your gold loan monthly, bi-monthly, quarterly, half-yearly, or annually—whichever suits your financial situation best.
  • Full payment at loan maturity: You have the option to pay the entire principal and any pending interest at the end of the loan tenure, offering more freedom during the loan period.
  • No-cost prepayment and foreclosure: You can repay or close your loan early anytime without paying any extra fees.

These repayment options help you choose a plan that matches your income and cash flow, making gold loan repayment in Navi Mumbai simple and hassle-free.

Why choose Bajaj Finance to avail a gold loan in Navi Mumbai?

Bajaj Finance offers a hassle-free application process, requiring minimal documentation and ensuring 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 seamless and customer-centric borrowing experience, making it the preferred choice for getting a gold loan in Navi Mumbai.

Know more about gold loan in Indian states and Union Territories

 

Gold Loan in Maharashtra

Gold Loan in Agra

Gold Loan in Chandigarh

Gold Loan in Gujrat

Gold Loan in Karnataka

Gold loan Delhi

Gold Loan in Telangana

Gold Loan in Goa

Gold Loan in Himachal Pradesh

Gold Loan in Andhra pradesh

Gold Loan in Manipur

Gold loan in Tamil Nadu

 

Know more about gold loan in other cities

Gold Loan in Coimbatore

Gold Loan in Vijayawada

Gold Loan in Kota

Gold Loan in Jaipur

Gold Loan in Raipur

Gold Loan in Nashik

Gold Loan in Surat

Gold Loan in Panipat

Gold Loan in Bhopal

Gold Loan in Vadodara

Gold Loan in Solapur

Gold Loan in Amritsar

Gold Loan in Salem

Gold Loan in Mysore

Gold Loan in Udaipur

Gold Loan in Rohtak

Gold Loan in Kannur

Gold Loan in Moradabad

Gold Loan in Jhunjhunu

Gold Loan in Bhagalpur

Gold Loan in Trichy


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

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

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 much loan amount can I get against my gold in Navi Mumbai?

The loan amount depends on your gold's weight and purity. Bajaj Finance offers loan starting from Rs. 5,000 and go up to Rs. 2 crore, with high loan-to-value ratio, helping you get a sizeable loan quickly. You can check the exact amount using the gold loan calculator before applying.

How long does it take to get a gold loan approved in Navi Mumbai?

Bajaj Finance offers instant gold loan approval in Navi Mumbai. The process is quick and hassle-free, often completed within the same day after verification and gold evaluation at the branch.

Can I repay a gold loan in Navi Mumbai before the tenure ends?

Yes, Bajaj Finance allows you to prepay or foreclose your gold loan at any time during the tenure without any extra charges, giving you full repayment flexibility.

What happens if I fail to repay my gold loan in Navi Mumbai?

If you miss your repayments, Bajaj Finance may levy penalties. Continuous non-payment can lead to auctioning of your pledged gold as per terms. Always repay on time to avoid any issues.

Is my gold safe with the lender during the loan tenure in Navi Mumbai?

Yes, your gold is kept safe in secure vaults with 24x7 surveillance and insurance coverage. Bajaj Finserv Gold Loan ensures the highest level of safety and protection for your pledged jewellery.

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