Instant gold loan in Surat

Termed as the ‘Diamond City of India,’ Surat is a major textile and diamond polishing hub of Gujarat. The city contributes significantly to this country's employment and attracts a workforce from various states.

The resulting rise in population and living costs often leads to a need for access to quick cash, which gold loan in Surat can easily provide.

Apply online now or visit our lone branch in Surat.

Features and benefits of a gold loan in Surat

  • High loan quantum

    High loan quantum

    Meet any personal and professional expenses with a sizeable loan amount of Rs. 2 crore, depending on the purity of the gold. Enjoy no end-usage restrictions on funds availed

  • Safe gold evaluation

    Safe gold evaluation

    Get a loan against gold with an at-home appraisal process. Our loan managers will visit your house with industry-grade carat meters. Thus, credibility and accuracy are guaranteed

  • Guaranteed gold security

    Guaranteed gold security

    We store pledged gold articles in vaults within rooms equipped with industry-leading motion detectors and 24x7 surveillance. Hence, your gold is secured with us

  • Suitable repayment options

    Suitable repayment options

    Now repay your instant gold loan in Surat with a convenient payment option. Choose regular EMI payments or pay interest upfront and principal later. You can also pay periodic interest and principal at the end of the loan tenor

  • Foreclosure and part-prepayment facilities

    Foreclosure and part-prepayment facilities

    Make your gold loan repayment even more convenient with a foreclosure and part-payment facility, that too, without paying anything extra. Builders and traders can get a loan against gold top-up without additional charges

  • Part-release option

    Part-release option

    Take advantage of our part-release facility to partially release gold items by paying an equivalent loan amount

  • Mandatory gold insurance

    Mandatory gold insurance

    Get a gold loan in Surat from Bajaj Finserv with complimentary insurance coverage throughout the tenor

Previously Surat was hailed as a famous seaport, but it has now moved on to be a smart city with high industrial prowess. Modern Surat has three major industries as the pillar of its economy - diamond polishing, textile, and IT. The diamond processing industry of this city, especially, goes a long way back and holds worldwide prominence. The textile industry of Surat is famous for its ‘zari craft.’ Surat also has a budding IT industry, with giants like IBM, HCL having campuses here.

Get a gold loan in Surat from Bajaj Finserv and manage various financial requirements without any restrictions. Get a gold loan per gram at a competitive interest rate.

Apply now online for instant loan approval.

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Eligibility criteria for gold loan in Surat

Meet the lenient gold loan eligibility and secure a high loan amount at an affordable rate. For this, satisfy the following parameters:

  • Age


    21 to 70 years

  • Employment type

    Employment type

    Self-employed, salaried, businessman, traders, and farmers

  • Citizenship


    Indian resident

The Reserve Bank of India has recently updated the gold loan LTV threshold to 75%. So, get a higher loan amount by meeting the eligibility criteria. Also, submit the necessary documents such as KYC details, and address proof to complete the process.

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Gold loan interest rates in Surat

Secure funds against a competitive gold loan interest rate from Bajaj Finserv. Repay the credits in affordable EMIs, and make lump-sum payments without extra charges. To know more about interest rates and charges, click here.

Frequently asked questions

How to apply for a gold loan in Surat?

You can easily apply for a gold loan online or visit our nearest branch. Following your successful gold loan application, our representatives will contact you for further processing.

Can I get a gold loan without a credit score?

Yes, you can avail of a gold loan without a credit score.

What is an LTV ratio?

LTV or Loan-to-Value ratio represents the percentage of the loan amount you can avail against your pledged gold articles. This ratio is subject to change and depends on the gold’s purity.

Can I get a gold loan without income proof?

Yes, you can get a loan against gold without income proof, but you must submit KYC details to complete this process.

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