How to Apply for a Gold Loan

Here’s how to apply for a gold loan with Bajaj Finance:

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 application process: Online vs offline

Applying for a gold loan through Bajaj Finance can be done in two ways – online and offline – each offering convenience based on your preference. The online gold loan process is simple, quick, and can be completed from the comfort of your home. Meanwhile, the offline method allows personal interaction at a branch, suitable for those who prefer face-to-face assistance.

Online application process:

1. Visit the Bajaj Finserv Gold Loan page.
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 choose the nearest gold loan branch.
5. Download the in-principal loan eligibility letter.

Offline application process:

1. Visit the nearest Bajaj Finserv Gold Loan branch with your gold jewellery and KYC documents.
2. Your gold will be evaluated on the spot.
3. Get quick approval based on the prevailing gold rate and purity.
4. Loan is disbursed quickly after agreement.

Both options offer minimal documentation and multiple repayment. Online is best for convenience, while offline suits those seeking in-person guidance.

Ready to unlock the value of your gold? Apply for Bajaj Finserv Gold Loan today.

Benefits of applying for a gold loan with Bajaj Finance

Bajaj Finance provides multiple advantages for borrowers seeking gold loans. These benefits make it an attractive choice for individuals looking to leverage their gold jewellery for financial support.

1. High loan amount of up to Rs. 2 crore

We offer instant gold loans starting from Rs. 5,000 to Rs. 2 crore. You can choose the amount that suits you best from the offer extended to you.

2. Convenient repayment options

We offer multiple gold loan 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.

3. Quick loan disbursal

With minimal documentation and a simple verification process, loan disbursal takes only 24 hours, ensuring that funds are available when needed.

4. Secure gold storage

Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody. The pledged gold is stored in high-security vaults, ensuring maximum safety.

5. Part-release facility

With our gold Loan 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.

Additionally, the loan application process is hassle-free, with options for both online and offline applications. Borrowers can also use a gold loan calculator to estimate their repayment schedule before applying.

6. Repayment options for gold loans

Choosing the right repayment option ensures manageable financial burden. Borrowers can use an online gold loan interest rate calculator to determine their repayment schedule and interest cost before availing of a loan. With Bajaj Finance, you can 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.

Manage planned to urgent expenses with ease. Check your gold loan eligibility now and make your gold work for your needs.