Rs. 5,000 - Rs. 2 crore
To find the nearest gold loan branch,
Enter phone and OTP | Check amount you can get | Apply for quick funds
Understanding gold loan in Vadodara
In Vadodara, gold holds significant cultural importance, symbolising prosperity, tradition, and elegance. The city's love for gold is evident during weddings and festivals, where intricate gold jewellery adorns both men and women, reflecting Vadodara's rich craftsmanship and artistic heritage.
Get a gold loan in Vadodara from Bajaj Finance and manage various financial requirements with ease. Get a gold loan per gram at competitive interest rates, multiple repayment options, and more.
Benefits and features of gold loans in Vadodara
Here are the key features and benefits of using a gold loan:
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 to Rs. 2 crore. You can choose the amount that suits you best from the offer extended to you.
1100 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.
Documents required to get gold loans in Vadodara
To get a gold loan with us, you can submit any one of the following KYC documents:
- 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 Vadodara
The interest rate on a Bajaj Finserv Gold Loan is designed to make borrowing affordable and convenient. Since the loan is secured against your gold jewellery, the rate of interest is usually lower compared to other forms of credit. With us, you can get a gold loan interest rate starting at just 9.50% up to 24% 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.
Thinking of applying for a gold loan? Start with a simple step—check your gold loan eligibility today.
Gold loan calculator in Vadodara
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 key benefits 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 is gold loan a feasible borrowing mode in Vadodara?
Availing a gold loan in Vadodara is a popular choice for many residents seeking quick and hassle-free financial assistance. These loans offer flexibility and convenience, allowing individuals to leverage their gold assets without relinquishing ownership. With transparent terms and minimal documentation requirements, gold loans in Vadodara provide a convenient solution for meeting various financial needs, from emergency expenses to investment opportunities.
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 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.
Why choose Bajaj Finance to avail a gold loan in Vadodara?
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 smooth and customer-focused borrowing experience, making it the preferred choice for availing of a gold loan in Vadodara.
How to calculate gold loan in Vadodara
If you are planning to apply for a gold loan in Vadodara, using a gold loan calculator can make the process easier and faster. This free online tool helps you find out how much loan amount you may get against your 18-22 karat gold loan purity, saving time and effort.
Here’s how to use the calculator:
- Enter gold weight or loan amount: Type in the weight of your gold jewellery or the loan amount you wish to borrow.
- Select gold purity: Choose the purity of your gold (in carats), as this affects the loan value you are eligible for.
- Get instant estimate: The calculator will show an estimated loan amount based on the current gold rate.
- Check interest rate and tenure: You will also see the expected interest rate and repayment tenure options.
This tool is very helpful when planning a gold loan in Vadodara. It gives you a clear idea of your loan eligibility and helps you plan better. It is simple, quick, and provides useful details before you apply for your loan.
Get a clear idea of your loan value by checking your gold loan eligibility. Fast approval and convenient repayment options await.
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Check your eligibility for gold loan in just a few clicks
Anyone can apply for a gold loan to mee your planned or urgent needs, as long as they meet the basic eligibility criteria. You just need to be an Indian citizen between the ages of 21 and 70 years. You need to submit any one of the basic KYC documents and 18-22 karat gold jewellery for gold loan to complete your application process.
Before you pledge your gold, know your options. Check your gold loan eligibility and choose the right amount and tenure to make informed financial decisions.
Gold loan application process
You can efficiently secure a gold loan in Vadodara to meet your financial needs in few simple steps.
To Apply:
- 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.
- Enter your personal details and select the nearest branch.
- Download the in-principal eligibility letter.
Once done, you will receive a call from our representative to guide you on the next steps.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.