Meet your needs with a Gold Loan

Meet your financial needs with a loan against gold jewellery from Bajaj Finance. Whether it is for a medical emergency, the expansion of your business, higher education, or any other expense, our gold loan is a handy way to meet your needs.

With our hassle-free application process, you can apply online in a few simple steps. We will set up an appointment and keep everything ready by the time you visit your nearest Bajaj Finserv Gold Loan branch. We have more than 800 branches all over India.

You can use the online Bajaj Finserv Gold Loan EMI Calculator before you apply for the loan to plan your repayment better.

Apart from new gold loans, Bajaj Finance also offers an easy balance transfer facility. You can switch your ongoing gold loan from your existing lender to us.

Gold Loan Features and Benefits

All you need to know about our Gold Loan

Watch this video to know everything about our gold loan: Features and benefits, fees and charges, eligibility criteria, documents required, and steps to apply.

  • Part-release facility

    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 or foreclosure fee

    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

    Transparent evaluation

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

  • Free insurance of 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 options

    Convenient repayment options

    You can choose from multiple repayment options. Either pay regular EMIs or pay interest monthly, bi-monthly, quarterly, half-yearly, or annually as per your convenience.

  • Easy application process

    Easy application process

    Apply for gold loan online. We will keep everything ready by the time you walk in to the nearest Bajaj Finserv Gold Loan branch in your city.

  • Gold loan of up to

    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.

  • branches and growing

    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.

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

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Gold Loan EMI Calculator

Gold Loan EMI Calculator

Plan your instalments better.

Eligibility Criteria and Documents Required for Gold Loan

Anyone can apply for our gold loan, as long as they meet the basic 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
Gold purity: 22 karat

Documents required

Any one of the following:

  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence

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

How to apply for Gold Loan

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

  1.  Click on ‘APPLY’ on this page to open our online application form
  2. Enter your first and last name as it appears on your PAN
  3. Enter your 10-digit mobile number and select your city
  4. Click on ‘GET OTP’
  5. Enter OTP to verify your details
  6. You will be shown the address of the nearest branch in your city. You will also receive a call from our representative who will guide you to complete your gold loan application.

Interest rate and applicable charges

Types of fee

Applicable charges

Interest rate

9.50% p.a. to 28% p.a.

Processing fees

0.12% (Inclusive of applicable taxes) of Loan Amount, Subject to a Minimum of 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


Penal interest

3% p.a. on outstanding balance

The penal interest margin/ rate will be over and above the interest rate slab. This shall be applicable/ chargeable in case of default in repayment of the outstanding dues.

Part-prepayment charges


Foreclosure charges


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)

*Foreclosure charges are zero. However, if you close the loan within 7 days of booking, you have to pay minimum 7 days’ interest.

Note that additional cess will be applicable on all charges in accordance with state-specific laws.

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 loan against gold from Bajaj Finserv, 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 the ‘APPLY’ option on the top of this page.
  2. Fill out the online form by submitting your basic information. Fill details like name, mobile number and select your city from the drop-down.
  3. On verification of your details, you can submit the form.
  4. Our representative will contact you and help you on the next steps.
Who is eligible to get a gold loan?

Salaried, self-employed individuals, traders, farmers, and businesspersons are all eligible to apply for a gold loan. To get a gold loan from Bajaj Finserv, you must be between 21 and 70 years of age and have gold jewellery of 22 carats and above.

Know more about gold loan eligibility.

When should you apply for a gold loan?

You should apply for a gold loan when you need money for some unplanned expenses. Also, a gold loan is a good option if you already have the burden of an ongoing loan. You can apply for a gold loan by pledging gold jewellery you may have at your home. To get a gold loan, you can walk in to the nearest Bajaj Finserv Gold Loan Branch in your city. In case you are looking for a more convenient option, you could also fill the gold loan 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% onwards. To get a loan against gold, click on the ‘APPLY ONLINE’ option on the top of this page. You could also walk into the nearest Bajaj Finserv Gold Loan branch in your city.

know how to apply for 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). Here you have to pledge your gold jewellery as collateral to get the loan against gold.

Lenders decide the loan amount after checking the weight and purity of your gold jewellery. They do the LTV calculation, which is ‘loan to value’ ratio. 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.

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