Gold loan application is pretty straightforward. You can start your gold loan application online through the Bajaj Finserv App or website and complete the process for gold loan online in India. For those preferring an offline option, visit the nearest branch using the Bajaj Finserv branch locator. The best part is, no income proof is required—just basic KYC documents and your gold jewellery. If you a Bajaj Finserv Gold Loan apply online in India or visit a branch, the process is quick, and convenient.

Bajaj Finance comes with easy to meet gold loan eligibility criteria. To apply, you just need to meet the gold loan requirements like:

Be an Indian citizen
Aged between 21-
80 years
Have 18-22 karat gold to pledge

A gold loan can be useful in many real-life situations. Whether you need funds for a medical emergency, your child’s education, or to renovate your home, a Bajaj Finserv Gold Loan can help you meet these expenses with ease. For such gold loan needs, you can apply to avail rapid liquidity without having to sell your gold because they are processed quickly.

Yes, you can get a gold loan on jewellery at competitive gold loan interest rate.

If a someone fails to repay the loan against gold, it is considered a gold loan non-repayment case. After due notice and intimation, Bajaj Finance may auction the pledged gold to recover the outstanding amount. Defaulting may also affect your credit score. Therefore, understanding gold loan default consequences is important before borrowing.

There are several options available to you for repaying your gold loan. You can settle the principal at maturity and only pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis. Managing your loan is easy and stress-free with these practical gold loan repayment options.

With Bajaj Finance gold loan foreclosure or prepayment is pretty simple. You just need the Bajaj Finserv App or website or by simply visiting the nearby branch. There are no additional charges for early closure. This convenient prepay gold loan option lets you save on interest and regain your gold faster.

Bajaj Finance offers a gold loan ranging from Rs. 5,000 to Rs. 2 crore, depending on the purity, weight, and market value of the gold. Flexibility to accommodate both minor and major financial needs is ensured by this wide range of gold loan amounts.

The loan eligibility for your gold depends on the gold purity, weight, tenure chosen and the ongoing gold rate in the market. To avoid any manual error, it is best to use a gold loan eligibility calculator (our gold loan calculator) by Bajaj Finance to determine your eligibility for a gold loan.

We provide a simple and clear pledge procedure for gold loans. The weight and purity of your jewelry are assessed, and it is then safely confirmed. The money is frequently deposited into your account the same day it is approved and the supporting documentation is confirmed. Your pledged gold jewelry will be handled and stored securely by Bajaj Finance for the duration of the loan.

With Bajaj Finserv Gold Loan, you can avail one of the best interest rates on the market. Depending on the loan amount, chosen tenure, and purity of the gold, you are extended competitive rates. You can quickly obtain an instant loan estimate by using our online gold loan calculator, which will assist you in making informed financial decisions.

The gold loan amount calculation depends on the weight and purity of your gold. Bajaj Finance values your gold as per market rates (as per IBJA) and offers value as per the LTV guidelines set by the RBI. For quick estimates on the gold loan per gram rate, use our online gold loan calculator.

Bajaj Finance lets you choose how long you want to keep your gold loan — from just 1 day up to 12 months. You can pick a repayment period that works best for you, whether you need funds for a short time or a few months.

Yes, your pledged gold is absolutely safe with us. Bajaj Finance uses safe vaults and round-the-clock surveillance to guarantee the security of gold loans. Complete gold loan security is ensured by the free insurance against theft and loss of the pledged jewellery.

The gold loan tax implications are near to zero since the interest paid is not tax-deductible. However, GST may apply to processing fees and other service charges. Always check for applicable gold loan taxes before applying.

Any Indian citizen who meets the simple eligibility requirements can apply for a gold loan from Bajaj Finance. The loan is open to everyone — there aren’t any special schemes meant only for specific groups.

It’s very easy to find a Bajaj Finserv branch near you for a gold loan. Just use the branch finder tool to see which branch is closest to you. There are more than 1,100 branches all over India.

If you have any questions about your gold loan, you can easily contact the Bajaj Finserv customer care team by phone, email, or through the Bajaj Finserv app. From applications to questions about repayment, assistance is offered for all gold loan customer care requirements.

Bajaj Finance accepts gold jewellery between 18 and 22 karats for a gold loan.Gold Coins, bars, or utensils are not accepted. Knowing the gold loan jewellery types and gold loan exclusions ensures your gold is eligible for funding.

No income proof is required. You only need basic KYC documents like ID and address proof. This makes the gold loan without income proof simple and fast. These minimal gold loan documents make approval quick and hassle-free.