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When you need funds quickly — for a medical emergency, a large purchase, or any unexpected expense — a gold loan is one of the most practical options available. It gives you access to funds at competitive interest rates, with repayment terms that work around your cash flow rather than against it.
A Bajaj Finance Gold Loan comes with repayment options designed to give you flexibility. You can pay interest on a schedule that suits your income — monthly, bi-monthly, quarterly, half-yearly, or annually. The principal is settled at the end of the tenure, but if you have surplus funds at any point, you are not locked in. You can use the part-prepayment facility to pay down your principal as and when money is available.
If you want to close the loan before the tenure ends, you can foreclose it. Foreclosing means settling the full outstanding balance in one go. It reduces the total interest you pay, lowers your overall cost of borrowing, and gets your pledged gold jewellery, ornaments, or coins back sooner — giving you the freedom to use that asset as you see fit. With a Bajaj Finance Gold Loan, there are no foreclosure charges, so you keep what you save.
Key takeaways
You can make a part-prepayment online through the customer portal or the Bajaj Finance App. Here is how to do it on each:
Foreclosing your gold loan is a two-step process. Start by checking your outstanding loan amount on the customer portal or the app. Once you know the balance, use the part-prepayment option to pay as much of the principal and applicable interest as you can online.
Please note that the final foreclosure cannot be completed online. There will be a remaining outstanding amount that needs to be paid in person. Visit the Bajaj Finance branch where your gold is held, pay the balance, and our representative will walk you through the remaining steps to close your loan and collect your gold.
Apply in minutes. Money in account instantly with a Bajaj Finance Gold Loan.
With Bajaj Finance, you get competitive gold loan interest rates ranging from 9.50% to 24.25% p.a. The gold loan interest rate depends on factors like:
Therefore, whether you need funds for personal needs or unexpected emergencies, using your gold as collateral can be a safe and practical option.
With us, the gold loan eligibility is easy to meet and you have to:
It takes just 2 steps to check your eligibility for a Bajaj Finance Gold Loan. Enter your mobile number now.
You can easily apply for loan against gold in just a few steps. This secure online process helps you get funds quickly by pledging your gold ornaments, with minimal effort and maximum convenience.
Once done, you will receive a call from our representative and guide you on the next steps.
Ready to unlock the value of your gold? Apply for Bajaj Finance Gold Loan today.
With Bajaj Finance, you can get a gold loan with 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.
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *
