What is loan against gold jewellery?

2 ನಿಮಿಷದ ಓದು
07 ನವೆಂಬರ್ 2023

A loan against gold jewellery, also known as a jewel loan, is a type of secured loan where you can borrow money by using your gold jewellery as collateral.

Like any other secured loan, a jewel loan is easy for you to avail with minimum eligibility criteria and simple documentation. Accessing financing is quick and easy because you just need to offer your gold as collateral.

With us, you can get high per-gram financing in the form of a jewel loan. When you need immediate funds, you can utilise the underlying value of your idle gold jewellery to avail of a gold loan.

You just need to follow a few simple steps to apply for a loan with ease.

ಚಿನ್ನದ ಆಭರಣಗಳ ಮೇಲೆ ಲೋನ್ ಪಡೆಯಲು ಹಂತಗಳು

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

Step 2: Enter your 10-digit mobile number and click on ‘GET OTP.’

Step 3: Submit the OTP to verify your identity.

Step 4: Select your state and city to find the branch nearest to you.

Step 5: Enter your full name and date of birth as per your PAN.

Step 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.

ಆಭರಣ ಲೋನಿನ ಫೀಚರ್‌ಗಳು ಮತ್ತು ಪ್ರಯೋಜನಗಳು

ಗೋಲ್ಡ್ ಲೋನ್‌ನ ಕೆಲವು ಸಾಮಾನ್ಯ ಫೀಚರ್‌ಗಳು ಮತ್ತು ಪ್ರಯೋಜನಗಳು ಇಲ್ಲಿವೆ.
  • High loan amount: You can easily meet any planned or unplanned needs with a high-value gold loan of up to Rs. 2 crore. You can avail up to 75% of your gold’s value as the loan amount.
  • Accuracy and transparency: During gold jewellery evaluation, you can rest assured of accuracy and transparency in the evaluation of your jewellery. We utilise industry-grade karat metres, so you get the right financing value for your gold.
  • Convenient repayment: You can choose from a range of repayment options to suit your budget. You can pay interest monthly, bi-monthly, quarterly, half-yearly, or annually 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.
  • ಭಾಗಶಃ ಬಿಡುಗಡೆಯ ಸೌಲಭ್ಯ: ನಿಮಗೆ ಅಡವಿಡಲಾದ ಆಭರಣಗಳ ಭಾಗದ ಅಗತ್ಯವಿದ್ದರೆ, ಚಿನ್ನದ ವಸ್ತುಗಳ ಭಾಗಶಃ ಬಿಡುಗಡೆಯನ್ನು ಪಡೆಯಲು ಆಯ್ಕೆ ಇದೆ ಆದರೆ ಅದಕ್ಕಾಗಿ ನೀವು ಸಮಾನ ಮೊತ್ತವನ್ನು ಮರುಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ.
  • Prepayment options: You have the option to part-prepay or foreclose your loan account anytime before the end of the tenure at no additional cost.
  • Free insurance of pledged gold: We offer free insurance of the pledged gold, which covers it against theft, fire, and other natural calamities, providing added protection. Your gold ornaments are kept in highly secure vaults under 24/7 surveillance.

ಜ್ಯುವೆಲ್ ಲೋನ್ ಬಡ್ಡಿ ದರಗಳು ಮತ್ತು ಶುಲ್ಕಗಳು

You can get access to the necessary funds by pledging your gold jewellery and repaying the interest at competitive jewel loan interest rates.

ನಿಮ್ಮ ಹಣಕಾಸನ್ನು ಸರಿಯಾಗಿ ಲೆಕ್ಕ ಹಾಕಲು ಗೋಲ್ಡ್ ಮಾರುಕಟ್ಟೆ ದರಗಳು ಮತ್ತು ಹಣದುಬ್ಬರದ ದರಗಳನ್ನು ಪರಿಶೀಲಿಸಿ. ನಿಮ್ಮ ಅಪ್ಲಿಕೇಶನ್ನಿನ ತೊಂದರೆ ರಹಿತ ಪ್ರಕ್ರಿಯೆಯನ್ನು ಅನುಭವಿಸಲು ಆಭರಣಗಳ ಮೇಲಿನ ಲೋನಿಗೆ ಅಪ್ಲೈ ಮಾಡುವ ಮೊದಲು ಎಲ್ಲಾ ಅಗತ್ಯ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ವ್ಯವಸ್ಥೆ ಮಾಡಿ.

ಇನ್ನಷ್ಟು ಓದಿರಿ ಕಡಿಮೆ ಓದಿ

ಆಗಾಗ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು

ಜ್ಯುವೆಲ್ ಲೋನ್ ಎಂದರೇನು?

A jewel loan is a secured form of finance, where you can get funds against your 18-22 karat gold jewellery, which is submitted to the lender as collateral.

ಜ್ಯುವೆಲ್ ಲೋನ್ ಮೇಲಿನ ಬಡ್ಡಿ ದರ ಎಷ್ಟು?

Bajaj Finance charges nominal jewel loan interest rates, starting from 9.50% per annum.

ಜ್ಯುವೆಲ್ ಲೋನ್ ಬಡ್ಡಿಯನ್ನು ಹೇಗೆ ಲೆಕ್ಕ ಹಾಕಲಾಗುತ್ತದೆ?

ನಿಮ್ಮ ಮರುಪಾವತಿ ಯೋಜನೆಯ ಆವರ್ತನವು ನಿಮ್ಮ ಜ್ಯುವೆಲ್ ಲೋನ್ ಮೇಲೆ ವಿಧಿಸಲಾಗುವ ಬಡ್ಡಿಯ ಮೇಲೆ ಪ್ರಭಾವ ಬೀರುತ್ತದೆ. ಹೆಚ್ಚು ಆಗಾಗ್ಗೆ ಮತ್ತು ನಿಯಮಿತ ಬಡ್ಡಿ ಪಾವತಿಗಳೊಂದಿಗೆ ಮರುಪಾವತಿ ಯೋಜನೆಯನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಮೂಲಕ, ನೀವು ಕಡಿಮೆ ಆಭರಣ ಲೋನ್ ಬಡ್ಡಿ ದರವನ್ನು ಪಡೆಯುತ್ತೀರಿ.

ನಾವು ಆಭರಣಗಳ ಮೇಲೆ ಲೋನ್ ಪಡೆಯಬಹುದೇ?

Yes, you can get a loan up to Rs. 2 crore against 18-22 karat gold jewellery. Note that other forms of gold are not acceptable as collateral.

Can I take gold loan against gold coins?

Gold is usually accepted as collateral more readily when it is in the form of gold jewellery rather than a gold loan against gold coins. This is because jewellery has a standardised value and is easier to assess for its purity and authenticity, making it a preferred choice for gold-backed loans.

ಇನ್ನಷ್ಟು ತೋರಿಸಿ ಕಡಿಮೆ ತೋರಿಸಿ