How to Transfer Gold Loan to Bajaj Finance

How to Transfer Gold Loan to Bajaj Finance

Know about the gold loan balance transfer and plan your repayments better. Benefit from a complimentary insurance on the pledged gold, competitive interest rates and more.
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Rs. 5,000 - Rs. 2 crore

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What is gold loan balance transfer?

A gold loan balance transfer simply means moving your current gold loan from one lender to another for better benefits. It is like switching to a plan that helps you save more. By doing this, you can get lower interest rates, flexible repayment options, and improved customer service. Many people choose a balance transfer when their existing loan feels too costly or inconvenient. The process is safe—your gold remains secure while the transfer happens smoothly. It is a smart way to reduce financial stress, manage repayments easily, and make the most of your gold loan without any extra hassle.
 

Steps to follow for gold loan transfer 

Complete the following steps to transfer your outstanding gold loan:


  • Check if you meet all eligibility requirements for a balance transfer.
  • Next, apply for a gold loan foreclosure with your existing lender.
  • Proceed to apply for a gold loan transfer with a simple application form fill-up.
  • Submit the minimum necessary gold loan documents required to complete paperwork.
  • Obtain pledged gold from the previous lender and deposit under industry-best vault security.
  • Obtain a new loan agreement with the lowest gold loan interest rate and other favourable terms.
  • Receive the gold loan amount in your bank account shortly.
  • Once received, you can start repayment of the advance as per the agreed schedule. 

Additionally, facilities like part-release of gold against equivalent repayment and gold loan multiple repayment options make this one of the most sought-after financial instruments in the market.
 

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Benefits of gold loan transfer and takeover with Bajaj Finance

Choosing a gold loan transfer or gold loan takeover with Bajaj Finance can help you enjoy lower interest rates, higher loan value, and better repayment flexibility. By transferring your existing gold loan, you can reduce your overall financial burden and save on interest costs. Bajaj Finance ensures a smooth and quick balance transfer process, allowing you to continue your repayments without any disruption. With transparent policies, multiple tenures, and minimal documentation, you can easily manage your loan and benefit from improved terms through a gold loan balance transfer, making your financial journey more convenient and rewarding.

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Gold loan fees and charges explained

Opting for a gold loan transfer or gold loan takeover with Bajaj Finance allows you to enjoy affordable interest rates and multiple repayment options. Since your loan is secured against gold jewellery, the interest rate is typically lower than other credit types, helping you save more over time. Bajaj Finance offers competitive gold loan interest rate starting from 9.50% to 24% per annum, ensuring that your borrowing remains economical. With a gold loan balance transfer, you can also restructure your repayment plan, reduce your monthly instalments, and make your overall financial management easier and more cost-effective.

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Eligibility criteria for gold loan balance transfer

A gold loan transfer with Bajaj Finance is designed to be simple and accessible for all eligible applicants. Any Indian citizen aged between 21 and 70 years can apply by pledging 18-22 karat gold jewellery that meets the required purity standards. The eligibility is evaluated based on the gold’s weight, purity, and your repayment capacity. Whether you need funds for planned expenses or sudden financial needs, transferring your existing loan ensures quicker access to better terms. Check your gold loan balance transfer eligibility today and unlock instant financial assistance with Bajaj Finance’s seamless process.
 

Quick-tip: It takes only 2 steps to check your eligibility for a Bajaj Finserv Gold Loan. Enter your mobile number now.

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.