ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರ ಮತ್ತು ಶುಲ್ಕಗಳು

ನಮ್ಮ ಗೋಲ್ಡ್ ಲೋನಿಗೆ ಅಪ್ಲೈ ಮಾಡುವ ಮೊದಲು ಈಗಿನ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರ ಮತ್ತು ಇತರ ಅನ್ವಯವಾಗುವ ಶುಲ್ಕಗಳ ಕುರಿತು ತಿಳಿದುಕೊಳ್ಳಿ.

ಅಪ್ಲೈ

ಬಡ್ಡಿ ದರ ಮತ್ತು ಅನ್ವಯವಾಗುವ ಶುಲ್ಕಗಳು

ಶುಲ್ಕದ ವಿಧಗಳು

ಅನ್ವಯವಾಗುವ ಶುಲ್ಕಗಳು

ಬಡ್ಡಿ ದರ

ವರ್ಷಕ್ಕೆ 9.50% ರಿಂದ 28%

ಪ್ರಕ್ರಿಯಾ ಶುಲ್ಕಗಳು

0.12% of the loan amount (inclusive of applicable taxes).
Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).

ಸ್ಟ್ಯಾಂಪ್ ಡ್ಯೂಟಿ (ಆಯಾ ರಾಜ್ಯದ ಪ್ರಕಾರ)

ರಾಜ್ಯ ಕಾನೂನುಗಳ ಪ್ರಕಾರ ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ ಮತ್ತು ಲೋನ್ ಮೊತ್ತದಿಂದ ಮುಂಗಡವಾಗಿ ಕಡಿತಗೊಳಿಸಲಾಗುತ್ತದೆ

ನಗದು ನಿರ್ವಹಣಾ ಶುಲ್ಕಗಳು

Rs. 50/- (inclusive of applicable taxes). Applicable for cash disbursement only.

ದಂಡದ ಬಡ್ಡಿ

ಬಾಕಿ ಉಳಿಕೆಯ ಮೇಲೆ ವರ್ಷಕ್ಕೆ 3%

ದಂಡದ ಬಡ್ಡಿ ಮಾರ್ಜಿನ್/ ದರವು ಮೇಲೆ ತಿಳಿಸಲಾದ ಬಡ್ಡಿ ದರದ ಶ್ರೇಣಿಗಿಂತ ಅಧಿಕವಾಗಿರುತ್ತದೆ, ಇದು ಮೆಚ್ಯೂರಿಟಿಯ ನಂತರ ಬಾಕಿ ಉಳಿಕೆಗಳ ಮರುಪಾವತಿಯಲ್ಲಿ ಡೀಫಾಲ್ಟ್ ಸಂದರ್ಭದಲ್ಲಿ ಅನ್ವಯವಾಗುತ್ತದೆ/ ವಿಧಿಸಲಾಗುತ್ತದೆ.

ಭಾಗಶಃ ಮುಂಪಾವತಿ ಶುಲ್ಕಗಳು

ಇಲ್ಲ

ಫೋರ್‌ಕ್ಲೋಸರ್ ಶುಲ್ಕಗಳು

Minimum 7 days interest

Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged.

ಹರಾಜು ಶುಲ್ಕಗಳು

Charge for physical notice – Rs. 40/- (inclusive of applicable taxes) per notice

Recovery charges – Rs. 500/- (inclusive of applicable taxes)

Advertisement fee – Rs. 200/- (inclusive of applicable taxes)


The interest rates applicable on gold loans are dynamic and frequently change due to external factors.

ನೀವು ಹುಡುಕುತ್ತಿರುವುದು ಇನ್ನೂ ಸಿಕ್ಕಿಲ್ಲವೇ?? ಈ ಪುಟದ ಮೇಲ್ಭಾಗದಲ್ಲಿರುವ ಯಾವುದೇ ಲಿಂಕ್‌ಗಳ ಮೇಲೆ ಕ್ಲಿಕ್ ಮಾಡಿ.

What is gold loan interest rate?

The gold loan interest rate represents the cost of borrowing against your gold jewellery. With Bajaj Finance, you can avail of gold loan interest rates starting at 9.50% per annum, ensuring a cost-effective and flexible solution to meet your financial needs.

ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರಗಳ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುವ ಅಂಶಗಳು

A gold loan can be a valuable financial tool in times of need. However, it is essential to consider certain factors that can impact your borrowing experience.

  • Market conditions: Fluctuations in market demand can impact interest rates as well as the value of the gold loan per gram
  • Gold rates: The market rate of gold also affects the interest rates on gold loans, as they directly impact the value of the gold jewellery offered as collateral
  • Repayment frequency: The frequency of the interest payments on your gold loan also impacts the interest rate

Gold loan repayment options

We offer 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.

Gold loan interest calculator

You can use a gold loan calculator when planning your loan application. It allows you to know your repayment liability and helps you make affordable borrowing decisions.

If you wish to know the interest rate applicable to your loan amount, you can simply use our handy online gold loan calculator. It will give you the exact interest amount based on the applicable interest rate and your preferred loan tenure.

Types of Gold Loan Interest Rate

Gold loan rate of interest are usually categorised into two types: Fixed and floating interest rates.

ನಿಗದಿತ ಬಡ್ಡಿ ದರ:

This type of interest rate remains constant throughout the entire duration of your loan. In other words, the interest you are charged on the loan amount remains unchanged, resulting in a consistent repayment throughout your loan tenure. This can provide you with stability in your financial planning, as you know exactly how much you need to pay each month.

ಫ್ಲೋಟಿಂಗ್ ಬಡ್ಡಿ ದರ:

Unlike a fixed interest rate, a floating interest rate is not constant. This means that interest rates on your gold loan can change based on these benchmarks, which are influenced by market conditions. Consequently, the interest rate on your gold loan can increase or decrease unpredictably as these benchmarks fluctuate.

With Bajaj Finserv Gold Loan, you get the stability in payments with fixed interest rates, which can be beneficial if you want to plan your finances accurately.

ಗೋಲ್ಡ್ ಲೋನಿಗಾಗಿ ಹೇಗೆ ಅಪ್ಲೈ ಮಾಡಬೇಕು

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Step-by-step guide to apply for a gold loan

  1. ನಮ್ಮ ಆನ್ಲೈನ್ ಅಪ್ಲಿಕೇಶನ್ ಫಾರ್ಮ್ ತೆರೆಯಲು 'ಅಪ್ಲೈ' ಮೇಲೆ ಕ್ಲಿಕ್ ಮಾಡಿ
  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.

ಆಗಾಗ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು

ನಾನು ಗೋಲ್ಡ್ ಲೋನ್ ಮೇಲೆ ಬಡ್ಡಿಯನ್ನು ಮಾತ್ರ ಪಾವತಿಸಬಹುದೇ?

Yes, you have the flexibility to choose how you want to repay your gold loan. Bajaj Finance offers multiple repayment options for your convenience. Here are the options you can consider:

  1. Pay only the interest amount: You can choose to pay only the interest portion of the loan on a monthly, bi-monthly, quarterly, half-yearly, or annual basis. Then, at the end of the loan tenure, you can settle the principal amount.
  2. Repay both interest and principal: Another option is to make regular instalments that include both the interest and principal components of the loan. This allows you to gradually repay the entire loan amount over time.
  3. Interest-first repayment: Alternatively, you can opt to pay the interest amount at the beginning of the loan tenure and repay the principal amount throughout the loan duration.

To make the right choice, it's advisable to discuss the available repayment options. This will help you plan your financial journey effectively and minimise the interest rate on your loan.

ನನ್ನ ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ ನನ್ನ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರದ ಮೇಲೆ ಯಾವುದೇ ಪರಿಣಾಮ ಬೀರುತ್ತದೆಯೇ? 

There is no minimum credit score required for a gold loan and it does not influence your gold loan eligibility.

How much gold is required to get a gold loan of Rs. 1 lakh?

To obtain a gold loan of Rs. 1 lakh, the quantity of gold needed depends on the current gold rate and the loan-to-value ratio provided. Bajaj Finance offers a loan-to-value of up to 75%, and since gold loan rates fluctuate, the amount of gold required will change with the prevailing market rate.

I am a farmer. Do you offer a discount on gold loan interest rates?

With Bajaj Finserv, you can get one of the lowest gold loan interest rates starting at just 9.50% p.a. The interest rates are the same for everyone and we do not provide any discount for any specific section of borrowers.

ನನ್ನ ಗೋಲ್ಡ್ ಲೋನ್ ಮೊತ್ತವನ್ನು ಭಾಗಶಃ ಮರುಪಾವತಿಸಲು ಸಾಧ್ಯವೇ?

Yes, Bajaj Finance offers you the option to repay the entire amount or a part of your gold loan at no additional cost. Also, with our part-release facility, you can repay a part of your loan and take part of your ornaments back before the end of your gold loan tenure.

ಕೃಷಿ ಗೋಲ್ಡ್ ಲೋನಿಗೆ ಬಡ್ಡಿ ದರ ಎಷ್ಟು?

Since the agricultural gold loan is secured against physical gold jewellery, the interest levied on such loans is generally on the lower side. Bajaj Finance offers agricultural gold loan interest rates to farmers, starting from 9.50% p.a.

ನನ್ನ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿಯನ್ನು ನಾನು ಹೇಗೆ ಕಡಿಮೆ ಮಾಡಬಹುದು?

ಬಜಾಜ್ ಫೈನಾನ್ಸ್‌ನೊಂದಿಗೆ, ಲೋನ್ ಮೊತ್ತಗಳು ಹೆಚ್ಚಾಗಿದ್ದರೆ ಮತ್ತು ಮರುಪಾವತಿಗಳು ಆಗಾಗ್ಗೆ ಇದ್ದರೆ ನೀವು ಕಡಿಮೆ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿಯನ್ನು ಆನಂದಿಸಬಹುದು. ಆದ್ದರಿಂದ, ಲೋನ್ ಬಾಕಿ ಇದ್ದಾಗ, ನೀವು ಅಸಲು ಮೊತ್ತವನ್ನು ಒಂದೇ ಬಾರಿಗೆ ಪಾವತಿಸಬಹುದು ಮತ್ತು ನಿಮ್ಮ ಚಿನ್ನದ ಆಭರಣವನ್ನು ಮರಳಿ ಪಡೆಯಬಹುದು.

Can I get an interest free gold loan from Bajaj Finance?

ಇಲ್ಲ, ಆದರೆ ನೀವು ಹೆಚ್ಚಿನ ಲೋನ್ ಮೊತ್ತ ಅಥವಾ ಮರುಪಾವತಿಯ ಹೆಚ್ಚಿನ ಆವರ್ತನವನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಮೂಲಕ ಸಣ್ಣ ಪ್ರಮಾಣದ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರದಲ್ಲಿ ಗೋಲ್ಡ್ ಲೋನನ್ನು ಪಡೆಯಬಹುದು. ನಾವು ಯಾವುದೇ ಫೋರ್‌ಕ್ಲೋಸರ್ ಅಥವಾ ಮುಂಗಡ ಮರುಪಾವತಿ ಶುಲ್ಕಗಳನ್ನು ಕೂಡ ವಿಧಿಸುವುದಿಲ್ಲ, ಇದು ಉಂಟಾದ ವೆಚ್ಚಗಳನ್ನು ಇನ್ನಷ್ಟು ಕಡಿಮೆ ಮಾಡುತ್ತದೆ.

ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ದರಕ್ಕೆ ಫಾರ್ಮುಲಾ ಯಾವುದು?

ನೀವು ರೂ. 1,20,000 ಲೋನ್ ಆಯ್ಕೆ ಮಾಡಿ, ಅದನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಮರುಪಾವತಿ ಮಾಡುತ್ತೀರಿ ಎಂದುಕೊಳ್ಳೋಣ. ಈ ಸಂದರ್ಭದಲ್ಲಿ, ನೀವು ವಾರ್ಷಿಕ 10% ಬಡ್ಡಿ ಪಾವತಿಸಬೇಕಾಗಬಹುದು. ನಂತರ, ನಿಮ್ಮ ಗೋಲ್ಡ್ ಲೋನ್ ಬಡ್ಡಿ ಪಾವತಿಗಳು ಹೀಗೆ ಕಾಣುತ್ತವೆ:

ರೂ. 1,20,000 * 10% = ರೂ. 12,000 ವಾರ್ಷಿಕ ಬಡ್ಡಿ
ಮಾಸಿಕ ಬಡ್ಡಿ ಪಾವತಿ = ರೂ. 12,000/12 = ರೂ. 1,000 ಪ್ರತಿ ತಿಂಗಳು

How to get low interest gold loan with Bajaj Finance?

Your gold loan rate of interest is determined by the loan amount and repayment frequency of your loan instalments. With Bajaj Finance, you can enjoy a low jewel loan interest rate if loan amounts are high, and repayments are frequent.

What is the interest rate of a 10-gram gold loan?

When you pledge 10 grams of gold, you can secure a loan amount equal to up to 75% of the current market value. At Bajaj Finance, you can enjoy interest rates on gold loans ranging from 9.50% to 28% per annum.

What is the interest of 1 lakh in gold loan?

Typically, you can avail an amount equivalent to 75% of the current market value of your gold, as per the RBI guidelines. Bajaj Finance offers competitive gold loan interest rates, ranging from 9.50% to 28% per annum. To ensure accuracy while calculating interest rate on a gold loan worth 1 lakh, consider using our gold loan calculator to determine your exact interest amount.

ಇನ್ನಷ್ಟು ತೋರಿಸಿ ಕಡಿಮೆ ತೋರಿಸಿ