How to Top-up Your Gold Loan with Bajaj Finance

Understanding top-up on existing gold loan 

If you need extra funds during your ongoing gold loan, you can apply for a top-up before the loan maturity date. A top-up is possible if your loan-to-value (LTV) ratio is within regulatory limits and a fresh credit assessment is completed. In such cases, the eligible balance over your outstanding amount is provided as a top-up. Once approved, your old gold loan account closes, and a new Loan Account Number (LAN) is created with updated details. However, if your loan has already matured but remains active due to unpaid dues, applying for a top-up will not be allowed.

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 Finserv 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 Finserv Gold Loan. Enter your mobile number now.