Gold Loan in Patna

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

Understanding gold loan in Patna

Patna, the capital of Bihar, is a city rich in culture and history, blending its historical significance with contemporary living. Previously called "Patliputra," it served as the capital for various ancient empires, including the Maurya Empire and the Gupta Empire. Patna boasts notable sites like the Kumhrar Archaeological Park and Golghar.

Gold holds cultural importance in Patna, symbolising wealth and status. The city has a longstanding tradition of wearing gold jewellery at weddings and festivals, showcasing intricate craftsmanship that blends traditional and modern styles. In Patna, gold is not just a possession; it is a cherished aspect of the city's cultural heritage.

Gold loan in Patna

Many people choose gold loan in Patna as a convenient and popular financial option. These loans are favoured for their flexibility and simplicity, providing an easy way to get funds without having to surrender ownership of valuable jewellery.

So, 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% to 24% 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 Patna

Our gold loan offers several benefits such as:
  • Part-release facility
    With our gold loan part-release facility, 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 most advanced karat metres 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 misplacement 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 representatives 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 have recently opened 60 new branches and are adding more across India. We are also opening new branches in the cities that we operate in.

How to apply for a gold loan in Patna?

Here is a detailed 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 nearest branch
  5. Download the loan eligibility letter  

Once done, you will receive a call from our representative to guide you on the next steps.

Eligibility criteria and documents required to apply for gold loans in Patna

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 Patna

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 gold loan interest rate before applying.

How to calculate gold loan in Patna

Planning to apply for a gold loan in Patna? Try using a gold loan calculator—it can make things a lot simpler for you. This easy-to-use online tool gives you a quick estimate of how much loan you can get against your gold, saving you time and guesswork.

Here is how to use it:

  • Enter gold weight or loan amount – Add the weight of your gold jewellery or the amount you need.
  • Select purity – Choose the gold purity in carats, as this affects how much you can borrow.
  • Get instant results – Based on today’s gold price, the calculator will show you an estimated loan amount.
  • View interest and tenure – It also displays the interest rate and repayment options you can choose from.

Using this calculator before applying for a gold loan in Patna helps you plan better. It is quick, free, and gives you a clear picture of your eligibility before you move forward.

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

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 gold loan repayment options and transparent terms, we ensure a smooth and customer-focused borrowing experience, making it the preferred choice for availing of a gold loan in Patna.

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 Gujarat

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


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

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 can I get against my gold in Patna?

You can get a gold loan in Patna based on the purity and weight of your gold. Bajaj Finance offers high-value loans from Rs. 5,000 up to Rs. 2 crore depending on the prevailing gold rates. 

How long does it take to get a gold loan disbursed in Patna?

With Bajaj Finance, gold loans in Patna are disbursed quickly. Once your gold is evaluated and documents are verified, the loan amount is usually credited to your bank account within the same day.

Can I repay my gold loan in Patna through online EMI payments?

Yes, Bajaj Finance offers convenient online repayment options in Patna. You can pay your gold loan interest through the customer portal, mobile app, or other digital payment methods, based on your chosen repayment plan.

What is the minimum and maximum tenure for a gold loan in Patna?

The repayment tenure for a Bajaj Finserv Gold Loan in Patna ranges from 1 day to 12 months. You can choose a tenure that best suits your financial needs and repayment capacity.

Is my gold safe during the loan period in Patna?

Yes, Bajaj Finance ensures complete safety of your gold during the loan period in Patna. Your gold is stored in secure, tamper-proof vaults and is also insured at no extra cost to you.

Can I prepay my gold loan in Patna without any charges?

Yes, you can prepay your Bajaj Finserv Gold Loan in Patna anytime without any additional charges. There are no foreclosure or prepayment penalties, offering you complete flexibility in loan repayment.

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