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). |
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 |
शून्य |
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 |
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.
गोल्ड लोन के लिए कैसे अप्लाई करें
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सामान्य प्रश्न
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:
- 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.
- 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.
- 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.
There is no minimum credit score required for a gold loan and it does not influence your gold loan eligibility.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
