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Gold Loan

Exclusive offers | No income documents | No hidden charges
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100% safe and secure

Gold Loan
Exclusive offers | No income documents | No hidden charges

Get your loan eligibility letter in just 2 steps

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  1. Fill your details Fill in your personal details and select the nearest gold loan branch.
  2. Download loan eligibility letter Visit the branch with this letter and your gold jewellery for evaluation and further processing.
Loan Eligibility Letter

This document will tell you the gold loan amount you are eligible to get, based on the details you provide.

When you get this letter, carry it along with your gold jewellery for evaluation at our branch.

Loan Eligibility Letter
GL_Quick_Disbursal
Disbursal in 15 minutes*
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Disbursal in just one branch visit
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Attractive interest rates
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Loan up to ₹2 crore

Features and benefits of our gold loan

  • Part-release facility

    With our 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 fee or foreclosure fee*

    Repay a part of your loan in advance or pay the entire amount at no extra cost.

  • Transparent evaluation

    We use best-in-class karat meters across all our branches to make sure you get the most value for your gold.

  • Free insurance of gold

    Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.

  • Convenient repayment option

    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 representative 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.

*Terms and conditions apply

A loan for all your goals


A gold loan can be an excellent financial tool for various purposes. Whether you need funds for home renovation, medical expenses, or any other unplanned expenses, a gold loan provides the financial flexibility needed to meet your goals. With competitive interest rates, minimal documentation, and flexible repayment options, a gold loan can help you cover immediate expenses and invest in opportunities, ensuring that you can manage your financial needs efficiently without losing ownership of your jewellery.

Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Eligibility criteria and documents required

Anyone can apply for our gold loan, as long as they meet the basic gold loan eligibility criteria mentioned here. They will be asked to submit a few basic documents to complete their application process.

Eligibility criteria

  • Nationality: Indian

  • Age: 21 to 70 years

  • Gold purity: 18-22 karat

Documents required

Any one of the following:

  • Aadhaar card

  • Voter ID card

  • Passport

  • Driving licence

  • NREGA job card

  • Letter issued by National Population Registration

*PAN card is not required. However, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card.

How to apply for a gold loan

Step-by-step guide to applying for a gold loan

  1. Click on “Apply” to initiate online application.

  2. Enter your 10-digit mobile number and click on “Get OTP.”

  3. Submit the OTP to verify your identity.

  4. Fill in your personal details and select the nearest gold loan branch.

  5. Download In-principle loan eligibility letter.

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

Gold loan interest rate and applicable charges

Types of fee

Applicable charges

Interest rate

9.50% to 28% per annum

Processing fees

0.15% of the loan amount (inclusive of applicable taxes).
Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount

Cash handling charges

50/- (inclusive of applicable taxes) applicable for cash disbursement only.

Penal charge

Rs. 8 per day on Outstanding Balance - Penal charge will be over and above the interest rate slab mentioned above which shall be applicable/chargeable in case of default in repayment of the Outstanding Dues post maturity.

Convenience fee

Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for release of ornament/s out of multiple ornaments securing the Gold Loan.

Part-prepayment charges

NIL

Foreclosure charges

Minimum 7 days interest

Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged.

Auction charges

Charge for physical notice – Rs. 40 (inclusive of applicable taxes) per notice

Recovery charges – Rs. 500 (inclusive of applicable taxes)

Advertisement fee – Rs. 200 (inclusive of applicable taxes)

The interest rates applicable on gold loans are dynamic and frequently change due to external factors.


Still have not found what you are looking for? Click on any of the links at the top of this page.

Frequently asked questions

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:

  1. Click on ‘APPLY’ 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 state and city to find the branch nearest to you

  5. Enter your full name and date of birth as per your PAN

  6. 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.

Who is eligible to get a gold loan?

From salaried and self-employed individuals to traders, farmers, and business persons, anyone can apply for a gold loan from Bajaj Finance.

You must be between 21 and 70 years of age and have gold jewellery of 18 - 22 karat.

When should you apply for a gold loan?

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.

Can you get a gold loan on jewellery?

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.

Here's how you can apply for a gold loan online

What is a gold loan?

A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). You can pledge your gold jewellery as collateral and get a loan against the gold by following our hassle-free process.

The loan amount is decided after checking the weight and purity of your gold jewellery. The loan amount provided by the lender is up to 75% of the value of your gold jewellery. The value is based on the current market value of gold jewellery. The loan amount is calculated by 30-day moving average of India Bullion and Jewellers Association Limited (IBJA).

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 in India to understand these variations and make informed decisions about your gold loan, ensuring financial stability.

What happens if you don't pay the gold loan back?

Failure to repay the gold loan may result in auctioning of the pledged gold jewellery. It can also impact your credit history and lead to legal consequences. Therefore, exploring the repayment options is essential to avoid these situations.

How can you repay your gold loan?

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.

How can you foreclose or prepay your gold loan? 

To foreclose your loan against gold, follow these simple steps:

1. Visit your nearest gold loan branch.

2. Pay the outstanding amount.

3. Submit the Gold Delivery Receipt (GDR).

By completing these steps, your loan will be successfully closed. For added convenience, you can make part payments of your gold loan online or visit the gold loan branch.

What is the minimum limit for the Bajaj Finance gold loan?

The minimum limit that bajaj finance offers for a gold loan is Rs. 5,000.

What is the maximum limit for the Bajaj Finance gold loan?

With Bajaj Finance, you can get a gold loan maximum limit of Rs. 2 crore.

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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*.