Gold Loan in Navsari

Know everything you need to know about gold loan in Navsari.
Gold Loan in Navsari
2 mins
08 June 2024

Navsari, situated in Gujarat, is celebrated for its historical and cultural heritage. It is famed for its connection to the Parsi community and its significant Zoroastrian influence. The city is home to historic landmarks such as the ancient Parsi Agiary, which adds to its cultural richness. Navsari's vibrant bazaars and traditional festivals attract visitors from far and wide, contributing to its status as a cultural hub in Gujarat. Gold holds special importance in Navsari, serving not only as a traditional investment but also as a symbol of prosperity and religious reverence. Its presence is deeply embedded in religious ceremonies and social traditions, underscoring its enduring cultural and economic significance in Navsari.

Why is gold loan a feasible borrowing mode in Navsari?

Amidst this backdrop, gold loans have emerged as a popular and convenient financial solution for the people of Navsari. With the flexibility and ease, gold loan in need of money has become a go-to option for individuals seeking easy access to funds without parting with ownership of their valuable jewellery.

So, if you are looking for quick funds, 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.

Features and benefits of gold loan in Navsari

Gold loans have become a highly preferred financial option in Navsari, providing a combination of flexibility and convenience for those needing immediate funds while retaining ownership of their valuable jewellery. Here are the key features and benefits of gold loans in Navsari:

  • Partial release facility: Borrowers have the option to repay a portion of their loan and retrieve some of their gold jewellery before the end of the loan term, offering greater financial management flexibility.
  • No prepayment or foreclosure Charges: Gold loans in Navsari do not have any charges for prepayment or foreclosure, allowing borrowers to repay their loans early without extra costs, thus reducing their overall interest expenses.
  • Accurate gold evaluation: Advanced karat meters ensure precise and fair assessment of the gold's purity, guaranteeing that borrowers receive the best possible value for their gold.
  • Complimentary gold insurance: Gold loans include free insurance coverage against theft or loss of the gold while in the lender's custody, providing borrowers with added security and peace of mind.
  • Multiple repayment options: Borrowers can select from various repayment plans, including monthly, bi-monthly, quarterly, half-yearly, or annual interest payments, with the principal amount due at the end of the loan term.
  • Simplified application process: The application process for gold loans is easy and hassle-free, with options to apply online and assistance from customer representatives at local branches.
  • 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 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 Navsari, ensuring they receive quick access to funds with minimal inconvenience.

Eligibility criteria to avail gold loans in Navsari

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

To qualify for a gold loan in Navsari, applicants must meet the following criteria:

  • Age: The applicant should be between 21 to 70 years of age.
  • Purity of gold: Gold jewellery or ornaments should have a purity of 18-22 karat.
  • Income proof: Generally not required, but some lenders may ask for proof of income.
  • Residential status: Applicants must be a resident of India.

Documents required to get gold loans in Navsari

To apply for a gold loan in Navsari, you need to provide one of the following identification and verification documents:

  • Aadhaar Card
  • Voter ID Card
  • Passport
  • Driving Licence
  • NREGA Job Card
  • Letter Issued by National Population Registration

Gold loan interest rates and charges in Navsari

The gold loan interest rate in Navsari represents the cost of borrowing against your gold jewellery. With Bajaj Finance, you can avail of a gold loan at interest rates starting at 9.50% per annum, ensuring a cost-effective and flexible solution to meet your financial needs.

A gold loan can be a valuable financial tool in times of need. However, it is essential to consider certain factors that can impact your borrowing experience.

  • Market conditions: Fluctuations in market demand can impact interest rates as well as the value of the gold loan per gram.
  • Gold rates: The market rate of gold also affects the interest rates on gold loans, as they directly impact the value of the gold jewellery offered as collateral.
  • Repayment frequency: The frequency of the interest payments on your gold loan also impacts the interest rate.

Gold loan calculator in Navsari

A gold loan calculator helps you estimate the loan amount you can avail against your gold. By inputting details such as the weight and purity of your gold, along with the current market price, the calculator provides an estimate of the loan amount. Additionally, it can help you calculate the EMI (Equated Monthly Instalment) based on the loan tenure and interest rate. This tool is useful for planning your finances and ensuring that you can comfortably manage loan repayments.

Why choose Bajaj Finance to avail a gold loan in Navsari?

Bajaj Finance offers several advantages for availing a gold loan in Navsari. They ensure quick disbursement, often within a few hours, providing immediate access to funds. Their interest rates are competitive, and they offer flexible repayment options tailored to your financial needs. Bajaj Finance also provides a high loan-to-value ratio, allowing you to secure a substantial loan amount against your gold. Additionally, their transparent process with minimal documentation makes it convenient and hassle-free for borrowers. Choosing Bajaj Finance means opting for reliability, efficiency, and customer-centric services.

How to apply for a gold loan in Navsari?

By following the steps below and understanding the benefits and requirements, you can efficiently secure a gold loan in Navsari to meet your financial needs.

  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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Visit our gold loan branch in Sayaji Library Road, Navsari

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

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Frequently asked questions

What KYC documents are required for gold loan?

To avail of a gold loan 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.

What are the benefits of taking a gold loan?

Benefits of taking a gold loan offers numerous benefits, including quick access to funds, lower interest rates, flexible repayment options, and minimal documentation. These benefits make it an attractive option for individuals seeking financial assistance while leveraging the value of their gold assets. Explore the benefits of taking a gold loan today.

How much loan can I get for 1 gram gold in Navsari?

The loan amount for 1 gram of gold in Navsari depends on factors like the current market value of gold, the lender's policies, and the purity of the gold. Typically, lenders offer loans based on a percentage of the gold's value, which can vary among institutions.

What is the interest of a 1 lakh gold loan in Navsari?

For the accurate interest on a 1 lakh gold loan in Navsari, leverage the Bajaj Finserv Gold Loan Calculator to factor in your jewellery’s purity. Alternatively, visit our nearest branch for personalized assistance and precise loan details tailored to your specific requirements.

Can I get gold loan immediately in Navsari?

Yes, obtaining a gold loan in Navsari is possible with minimal processing time. Bajaj Finance offers gold loan with quick approval processes, allowing borrowers to access funds promptly against their gold jewellery, providing a convenient solution for urgent financial needs.

How to increase CIBIL Score using gold loan in Navsari?

To increase your CIBIL score using gold loan in Navsari, ensure timely repayment of the loan amount. By making regular payments and adhering to the loan terms, you demonstrate responsible financial behaviour, which positively impacts your creditworthiness. Additionally, maintaining a healthy credit mix, avoiding over-leveraging, and managing existing debts wisely can further enhance your CIBIL score over time, contributing to improved financial credibility and access to better loan terms in the future.

How is gold loan amount decided in Navsari?

In Navsari, like elsewhere, the gold loan amount is determined primarily by the value of the gold provided as collateral. Lenders assess the purity and weight of the gold to calculate the loan amount. Factors such as current market rates and loan-to-value ratios also influence the final amount. Generally, borrowers can receive a loan amount ranging from a percentage of the gold's value to its full value, depending on the lender's policies.

How to increase CIBIL score using a gold loan in Navsari?

Boosting your CIBIL score with a gold loan in Navsari is feasible. By availing of a gold loan and repaying it diligently, you demonstrate responsible borrowing behaviour, which positively impacts your credit score. Bajaj Finance provides comprehensive guidance on increasing CIBIL score using a gold loan, offering valuable insights and strategies to improve your creditworthiness.

What KYC documents are required for a gold loan in Navsari?

When applying for a gold loan in Navsari, specific KYC (Know Your Customer) documents are mandatory. These typically include identification proof, address proof, and photographs. Bajaj Finance simplifies the application process by allowing you to apply for a gold loan with just your KYC documents, ensuring a hassle-free experience for borrowers.

What are the benefits of taking a gold loan in Navsari?

Opting for a gold loan in Navsari offers various advantages. These include quick disbursal, minimal documentation, competitive interest rates, flexible repayment options, and the ability to use idle gold assets for financial requirements. Explore the comprehensive list of benefits associated with taking a gold loan on Bajaj Finance’s page highlighting the benefits of taking a gold loan.

How is the gold loan amount decided in Navsari?

In Navsari, the gold loan amount is determined based on factors such as the purity and weight of the gold pledged as collateral. Lenders typically offer a loan amount equivalent to a percentage of the gold's market value. Additionally, other considerations such as prevailing interest rates and loan-to-value ratios may influence the final loan amount. It's advisable to consult with a trusted financial institution like Bajaj Finance to understand the specifics of gold loan disbursal in Navsari.

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