How to get a gold loan?

Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a gold loan from Bajaj Finance, you can apply online, and we will call you and guide you on the next steps or you could simply visit the nearest gold loan branch in your city. To apply for an online gold loan, you need to follow the below mentioned steps: 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 Select your state and city to find the branch nearest to you Enter your full name and date of birth as per your PAN 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.

Gold Loan Branch Near Me

You can easily find a nearby gold loan branch. Get secure loans at competitive rates, with fast disbursal and minimal paperwork.

APPLY

Gold loan

Apply

3 min

13 May 2025

Why gold loans are a smart choice for financial emergencies

Gold has always been a valuable asset, and with the increasing value of gold in the market, its demand has risen. In times of financial emergencies, many people have turned to gold loans as a convenient way to access instant funds. Whether you require a small loan or a substantial amount, gold loans can cater to a wide range of borrowing requirements. With Bajaj Finance, you can get a gold loan starting from Rs. 5,000 up to Rs. 2 crore, depending on the value of your gold jewellery.

Features and benefits of gold loan in your city

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.

Eligibility criteria and documents required to apply for gold loans

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 for gold loan 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

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 and charges before applying and use our online gold loan calculator to plan your financial journey better.

Why choose Bajaj Finance to avail a gold loan?

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.

So, when you look for a "gold loan near me" next time, remember to think of us for convenient financial solutions and get quick access to funds, secured against your gold jewellery.

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

Gold loan near me open today – timings and working days

Bajaj Finserv Gold Loan branches are usually open from 9:30 AM to 6:00 PM, Monday to Saturday. Most branches remain closed on Sundays and public holidays. Visiting during working hours ensures you can complete your gold loan process smoothly.

Key points:

Open from Monday to Saturday.
Timings: 9:30 AM to 6:00 PM.
Closed on Sundays and bank holidays.
Visit early to avoid waiting.
You can apply, get your gold evaluated, and receive funds on the same day.

How to check branch status before you visit

Before visiting a gold loan branch, it is helpful to check if it is open. Bajaj Finance offers easy ways to confirm branch status through its website or customer care.

Steps to check branch status:

Visit the official Bajaj Finserv website.
Use the branch locator tool to find nearby gold loan branches.
Check working hours and holidays mentioned for each branch.

This saves time and ensures you plan your visit accordingly.

Benefits of visiting a gold loan branch directly

Visiting a Bajaj Finserv Gold Loan branch directly gives you personal assistance and quicker service. You can get your gold evaluated, complete the application, and receive the loan amount often on the same day.

Key benefits:

Face-to-face support from branch staff.
Instant gold evaluation with a karat meter.
Loan disbursal on the same day*.
Safe and insured storage of gold.
Get all doubts cleared in person.

Direct visits help in completing your loan process confidently and conveniently.

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

You should apply for a gold loan when you need money for your planned or unplanned expenses. A gold loan is a form of a secured loan. It may be a good option if you already have an ongoing loan. You can apply for one by pledging the gold jewellery you may have at your home.

Walk into the nearest Bajaj Finserv Gold Loan Branch in your city. You can also start by completing the simple application form on the Bajaj Finserv website.

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.

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.

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 for your loan against gold, if any, will be due for payment at the time of loan maturity.

Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a gold loan from Bajaj Finance, you can apply online, and we will call you and guide you on the next steps or you could simply visit the nearest gold loan branch in your city. To apply for an online gold loan, you need to follow the below mentioned steps:

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
Select your state and city to find the branch nearest to you
Enter your full name and date of birth as per your PAN
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.

You can avail a gold loan at select Bajaj Finserv Gold Loan branches that offer gold loan services. Not all branches provide this facility, so it is best to check branch availability online or call customer care before visiting.

You can easily find a gold loan branch near you by using the branch locator tool on the Bajaj Finserv website. Enter your location details to view nearby branches that offer gold loan services along with their timings and contact information.

Yes, if you visit an eligible Bajaj Finserv Gold Loan branch during working hours, you can get your loan approved and disbursed often on the same day after gold evaluation and document verification. The process is quick and hassle-free for eligible customers.

Show More Show Less