गोल्ड लोन की ब्याज़ दर और शुल्क

हमारे गोल्ड लोन के लिए अप्लाई करने से पहले वर्तमान गोल्ड लोन की ब्याज दर और अन्य लागू शुल्कों के बारे में जानें.

ब्याज दर और लागू शुल्क

शुल्क के प्रकार

लागू शुल्क

ब्याज़ दर

9.50% से 28% प्रति वर्ष

प्रोसेसिंग फीस

0.12% 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).

स्टाम्प ड्यूटी (संबंधित राज्य के अनुसार)

राज्य के कानूनों के अनुसार देय और लोन राशि से अग्रिम कटौती

कैश हैंडलिंग शुल्क

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

दंड ब्याज़

बकाया बैलेंस पर प्रति वर्ष 3%

दंडात्मक ब्याज मार्जिन/दर, ऊपर दर्ज ब्याज दर स्लैब से अतिरिक्त होगी, जो डिफॉल्ट के मामले में, मेच्योरिटी के बाद बकाया राशि के पुनर्भुगतान में लागू होगा/लगाया जाएगा.

पार्ट प्री-पेमेंट शुल्क


फोरक्लोज़र शुल्क

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.

नीलामी के शुल्क

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.

क्या आप जो ढूंढ़ रहे हैं वह अभी भी नहीं मिला?? इस पेज के ऊपर दी गई किसी भी लिंक पर क्लिक करें.

What is gold loan interest rate?

The gold loan interest rate represents the cost of borrowing against your gold jewellery. With Bajaj Finance, you can avail of gold loan interest rates starting at 9.50% per annum, ensuring a cost-effective and flexible solution to meet your financial needs.

गोल्ड लोन की ब्याज़ दरों को प्रभावित करने वाले कारक

A gold loan can be a valuable financial tool in times of need. However, it is essential to consider certain factors that can impact your borrowing experience.

  • Market conditions: Fluctuations in market demand can impact interest rates as well as the value of the gold loan per gram
  • Gold rates: The market rate of gold also affects the interest rates on gold loans, as they directly impact the value of the gold jewellery offered as collateral
  • Repayment frequency: The frequency of the interest payments on your gold loan also impacts the interest rate

Gold loan 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.

Gold loan interest calculator

You can use a gold loan calculator when planning your loan application. It allows you to know your repayment liability and helps you make affordable borrowing decisions.

If you wish to know the interest rate applicable to your loan amount, you can simply use our handy online gold loan calculator. It will give you the exact interest amount based on the applicable interest rate and your preferred loan tenure.

Types of Gold Loan Interest Rate

Gold loan rate of interest are usually categorised into two types: Fixed and floating interest rates.

फिक्स्ड ब्याज़ दर:

This type of interest rate remains constant throughout the entire duration of your loan. In other words, the interest you are charged on the loan amount remains unchanged, resulting in a consistent repayment throughout your loan tenure. This can provide you with stability in your financial planning, as you know exactly how much you need to pay each month.

फ्लोटिंग ब्याज़ दर:

Unlike a fixed interest rate, a floating interest rate is not constant. This means that interest rates on your gold loan can change based on these benchmarks, which are influenced by market conditions. Consequently, the interest rate on your gold loan can increase or decrease unpredictably as these benchmarks fluctuate.

With Bajaj Finserv Gold Loan, you get the stability in payments with fixed interest rates, which can be beneficial if you want to plan your finances accurately.

गोल्ड लोन के लिए कैसे अप्लाई करें

Video Image 00:57

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

  1. हमारा ऑनलाइन एप्लीकेशन फॉर्म खोलने के लिए 'अप्लाई करें' पर क्लिक करें
  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.

सामान्य प्रश्न

क्या गोल्ड लोन पर केवल ब्याज़ का भुगतान किया जा सकता है?

Yes, you have the flexibility to choose how you want to repay your gold loan. Bajaj Finance offers multiple repayment options for your convenience. Here are the options you can consider:

  1. Pay only the interest amount: You can choose to pay only the interest portion of the loan on a monthly, bi-monthly, quarterly, half-yearly, or annual basis. Then, at the end of the loan tenure, you can settle the principal amount.
  2. Repay both interest and principal: Another option is to make regular instalments that include both the interest and principal components of the loan. This allows you to gradually repay the entire loan amount over time.
  3. Interest-first repayment: Alternatively, you can opt to pay the interest amount at the beginning of the loan tenure and repay the principal amount throughout the loan duration.

To make the right choice, it's advisable to discuss the available repayment options. This will help you plan your financial journey effectively and minimise the interest rate on your loan.

क्या मेरे गोल्ड लोन की ब्याज दर पर मेरे क्रेडिट स्कोर का कोई प्रभाव पड़ता है? 

There is no minimum credit score required for a gold loan and it does not influence your gold loan eligibility.

How much gold is required to get a gold loan of Rs. 1 lakh?

To obtain a gold loan of Rs. 1 lakh, the quantity of gold needed depends on the current gold rate and the loan-to-value ratio provided. Bajaj Finance offers a loan-to-value of up to 75%, and since gold loan rates fluctuate, the amount of gold required will change with the prevailing market rate.

I am a farmer. Do you offer a discount on gold loan interest rates?

With Bajaj Finserv, you can get one of the lowest gold loan interest rates starting at just 9.50% p.a. The interest rates are the same for everyone and we do not provide any discount for any specific section of borrowers.

क्या मेरी गोल्ड लोन राशि आंशिक रूप से चुकाना संभव है?

Yes, Bajaj Finance offers you the option to repay the entire amount or a part of your gold loan at no additional cost. Also, with our part-release facility, you can repay a part of your loan and take part of your ornaments back before the end of your gold loan tenure.

कृषि गोल्ड लोन की ब्याज दर क्या है?

Since the agricultural gold loan is secured against physical gold jewellery, the interest levied on such loans is generally on the lower side. Bajaj Finance offers agricultural gold loan interest rates to farmers, starting from 9.50% p.a.

मैं अपने गोल्ड लोन के ब्याज को कैसे कम कर सकता/सकती हूं?

बजाज फाइनेंस के साथ, अगर लोन राशि अधिक है और पुनर्भुगतान बार-बार होते हैं, तो आप कम गोल्ड लोन ब्याज का लाभ उठा सकते हैं. इसलिए, लोन के देय होने पर आप मूलधन राशि का एकमुश्त भुगतान कर सकते हैं और अपनी गोल्ड ज्वेलरी वापस प्राप्त कर सकते हैं.

Can I get an interest free gold loan from Bajaj Finance?

नहीं, लेकिन आप उच्च लोन राशि या पुनर्भुगतान की उच्च फ्रीक्वेंसी चुनकर मामूली गोल्ड लोन ब्याज दर पर गोल्ड लोन प्राप्त कर सकते हैं. हम कोई फोरक्लोज़र या प्री-रीपेमेंट शुल्क भी नहीं लगाते हैं, जिससे आपके खर्चे और भी कम हो जाते हैं.

गोल्ड लोन पर ब्याज दर की गणना करने का फॉर्मूला क्या है?

मान लें कि आप रु. 1,20,000 का लोन लेते हैं, जिसका आप हर महीने पुनर्भुगतान करते हैं. इस मामले में, आपको ब्याज के रूप में हर वर्ष 10% का भुगतान करना पड़ सकता है. इसके बाद, आपका गोल्ड लोन ब्याज भुगतान कुछ इस तरह दिखाई देगा:

रु. 1,20,000 * 10% = रु. 12,000 वार्षिक ब्याज
मासिक ब्याज भुगतान = रु. 12,000/12 = रु. 1,000 प्रति माह

How to get low interest gold loan with Bajaj Finance?

Your gold loan rate of interest is determined by the loan amount and repayment frequency of your loan instalments. With Bajaj Finance, you can enjoy a low jewel loan interest rate if loan amounts are high, and repayments are frequent.

What is the interest rate of a 10-gram gold loan?

When you pledge 10 grams of gold, you can secure a loan amount equal to up to 75% of the current market value. At Bajaj Finance, you can enjoy interest rates on gold loans ranging from 9.50% to 28% per annum.

What is the interest of 1 lakh in gold loan?

Typically, you can avail an amount equivalent to 75% of the current market value of your gold, as per the RBI guidelines. Bajaj Finance offers competitive gold loan interest rates, ranging from 9.50% to 28% per annum. To ensure accuracy while calculating interest rate on a gold loan worth 1 lakh, consider using our gold loan calculator to determine your exact interest amount.

अधिक दिखाएं कम दिखाएं