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Understanding top-up on existing gold loan
Yes, existing gold loan customers can apply for a top-up before their loan maturity date. Eligibility is subject to a fresh credit assessment, applicable loan-to-value (LTV) limits, and the loan account being in good standing.
The top-up amount is calculated based on the eligible value of the pledged gold after adjusting the outstanding loan balance. Once approved, the existing gold loan account is closed and a new Loan Account Number (LAN) is generated with the revised loan details.
Please note that top-ups are not available for loans that have crossed their maturity date, even if the loan remains active due to unpaid dues.
Applying through our website
To check your top-up offer, simply visit our customer portal - My Account. It is important to note that there may be additional charges associated with applying for a top-up loan. Follow these steps to apply for a top-up:
- Visit the customer portal and click on the ‘Sign-in’ button
- Enter your registered mobile number and the OTP to sign-in.
- Verify your personal details, including your date of birth and proceed.
- Select your gold loan account from the ‘My Relations’ section.
- Within the ‘Things you can do’ section, click on the ‘Top-up Loan’ option.
- Select the preferred top-up loan amount variant and click on proceed
- Check the loan agreement and proceed with your application.
- Verify your details by entering the OTP sent to your registered mobile number.
Applying though our mobile app
To apply via the Bajaj Finance App, follow these simple steps:
- Visit the Bajaj Finance customer portal - My Account
- Enter your registered mobile number and the OTP.
- Verify yourself with your date of birth and proceed.
- Select your gold loan account from the ‘My Relations’ section.
- Within the ‘Things you can do’ section, click on the ‘Top-up Loan’ option.
- Select the preferred top-up loan amount variant and click on proceed
- Check the loan agreement and proceed with your application.
- Verify your details by entering the OTP sent to your registered mobile number.
Applying through our dedicated branches
You can also walk into any of our dedicated gold loan branches and connect with our representatives. They will guide you through the process and help you get approval on your top-up loan request quickly, ensuring a smooth and hassle-free experience for your additional funding needs.
It takes just 2 steps to check your eligibility for a Bajaj Finance Gold Loan. Enter your mobile number now.
Fees and charges applicable on gold loan
When you take a gold loan, it is important to know about the fees and charges that come along with it. When taking a gold loan, apart from the gold loan interest rate, you may also come across processing fees, conveninec charge, or stamp duty. These costs can affect the total amount you end up repaying. By understanding them in advance, you can plan your repayments better and avoid surprises later. Bajaj Finance offers low gold loan interest rate and mentions all its charges upfront to avoid any surprises later. Knowing the complete fee structure helps you stay in control of your loan, making your borrowing experience smoother and more transparent from start to finish.
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Gold loan eligibility criteria
When you apply for a Bajaj Finance Gold Loan, the process is simple and customer-friendly. The basic gold loan eligibility is straightforward—you only need to be an Indian citizen between 21 to 80 years of age with 18-22 karat gold jewellery or ornaments to pledge. You can also pledge gold coins up to 24 karat gold purity.
For verification, you just need to provide any one of the listed KYC documents for identity verification, like Aadhaar card, Voter ID, Passport, Driving licence, NREGA job card or a letter from the NPR. With these minimal requirements, you can easily unlock funds against your gold.
Check your gold loan eligibility and leverage the value of your gold based on latest gold rates.
Gold loan application process
Applying for a gold loan with Bajaj Finance is simple and convenient. You can apply for gold loan online through the Bajaj Finance app or website by filling out a quick form and booking an appointment. This saves you time and lets you start the process from home. If you prefer face-to-face assistance, you can also visit the nearest gold loan branch, where representatives will guide you through the steps. All you need to do is carry your gold to be pledged and basic KYC documents. Once your gold is evaluated, your loan is approved, and funds are disbursed to your bank account often on the same day.
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Disclaimer
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *