How gold loan NBFC can fuel your financial needs

Discover how you can swiftly access funds with competitive interest rates, through a gold loan NBFC. Check your gold loan eligibility today!
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3 min
28 April 2025

As times change, individuals are adopting new approaches to handle their financial requirements. Whether it involves medical expenses, home renovations, or pursuing higher education, many people are now turning to gold loan NBFCs as a solution to meet these expenses. These loans not only cover planned expenses but also act as a lifeline during sudden situations like hospitalisation or debt consolidation.

By availing of an NBFC gold loan, you can avoid the stress of depleting your savings when urgent needs arise. Additionally, this approach allows your savings to continue growing, effectively reducing the overall borrowing cost. With a Bajaj Finserv Gold Loan, you can access the required funds without the hassle of complex processes or lengthy waiting periods. To avail of a gold loan, starting from Rs. 5,000 up to Rs. 2 crore, you just need your 18-22 karat gold jewellery to pledge against the loan.

How are NBFCs meeting the growing demand for gold loans?

Responding to the increasing demand for gold loans, NBFCs are enhancing their services through digital platforms, secure locker solutions, streamlined processes, and competitive interest rates. Here is how they are meeting your needs:

  1. Raising awareness about unused gold: NBFCs are educating the public about leveraging unused gold for immediate financial assistance, offering loans against unused gold jewellery for various purposes.
  2. Offering better loan opportunities: NBFC gold loan interest rate and margins are attracting more customers compared to nationalised banks, thus expanding loan accessibility. With Bajaj Finance, you can get a gold loan interest rate starting at just 9.50% per annum. You can stay assured of zero hidden charges with our 100% transparent terms and conditions.
  3. Providing collateral and borrower insurance: NBFCs offer insurance coverage for both the pledged gold and borrowers, ensuring security for all parties involved.
  4. Flexible loan tenure: NBFCs offer adaptable repayment periods, empowering borrowers to choose a tenure that aligns with their financial needs and capacity.
    Bajaj Finance offers 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.
  5. Expedited loan processing: NBFCs prioritise efficiency, providing seamless and swift loan processing experiences. Many offer instant approvals and same-day disbursements, ensuring timely assistance at favourable interest rates.
  6. Minimal documentation: NBFCs are streamlining the process of obtaining gold loans by requesting minimal documentation. This NBFC gold loan companies’ approach, simplifies the borrowing experience for customers, reducing paperwork and administrative hassles, making gold loans an attractive option for those in need of immediate financial assistance.

With us, you just need to be an Indian citizen between the ages of 21 years to 70 years. You need to submit any one of the following KYC documents to complete your application process:

  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence
  • NREGA job card
  • Letter issued by National Population Registration

Though the PAN card is not a mandatory requirement, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card as well.

Why choose us?

Need quick access to funds? Bajaj Finserv Gold Loan could be your one-stop solution. We offer seamless processes, high loan amount, competitive rates, and flexible repayment options. With quick disbursal and minimal documentation, Bajaj Finance ensures convenience and reliability, helping you overcome financial hurdles with ease.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

Which NBFC is best for gold loan?

For one of the best and reliable options, consider Bajaj Finserv Gold Loan. Bajaj Finance offers competitive interest rates and hassle-free loan processing, making them a preferred choice for many seeking gold loans.

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.

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.

Which is the first largest gold loan company in India?

While numerous companies operate in the gold loan sector, Bajaj Finance emerges as a standout option for borrowers. With its customer-centric approach, competitive offerings, and seamless processes, Bajaj Finance is widely recognised as a trusted choice in the market, offering reliability and convenience to customers across India.

Which is a good NBFC company?

While several NBFC companies operate in the market, Bajaj Finance stands out as a notable choice. Renowned for its customer-centric approach, diverse financial products, and strong track record, Bajaj Finance is recognised for its reliability and comprehensive financial solutions to customers across various sectors.

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