Make Smart Financial Decisions with our Online Gold Loan Calculator

Make Smart Financial Decisions with our Online Gold Loan Calculator

Use the free online Bajaj Finserv Gold Loan calculator to make smart borrowing decisions and get the funds you require.
Calculator

Calculator

FAQs

FAQs

Videos

Videos

Rs. 5,000 - Rs. 2 crore

Calculate Loan Interest

To find the nearest gold loan branch,

click here

Enter phone and OTP | Check amount you can get | Apply for quick funds

Plan your gold loan effectively with a calculator

When unexpected expenses pop up, taking a loan can help, but unsecured loans often come with high interest rates. A smarter alternative is a gold loan, where your gold jewellery acts as collateral. The loan amount usually depends on the value of the gold you pledge.


To manage repayments and understand your loan better, a gold loan calculator is a handy tool. Bajaj Finance offers a free gold loan calculator that lets you estimate your loan, interest, and repayment schedule.


Keep reading to see how using a gold loan calculator can make borrowing simple, transparent, and easier to plan.


Calculate the loan amount

By using an online gold loan calculator, you can easily calculate the loan amount you qualify for based on the value of your gold. This calculator takes into account the current market value (the rate offered by IBJA) of gold and the loan-to-value (LTV) ratio to assess your eligibility for the loan.


Plan your repayment

Using an online calculator, you can easily determine your interest payment for a gold loan. This calculator takes into account factors such as loan amount, tenure, and interest rate to provide an accurate estimate. By adjusting repayment options, you can find the most suitable plan based on your income and ability to repay.


How to use an online gold loan calculator?

Here's how you can use a gold loan calculator:


  • Check your loan amount: Determine the value of the gold you are pledging.
  • Know the interest rate: Bajaj Finance offers competitive rates starting from 9.50% to 24% per annum.
  • Decide your repayment tenure: Interest is calculated based on how long you take to repay.
  • Use a gold loan interest calculator: Enter your loan details and tenure to see the exact interest payable.

By entering these details into the calculator, you will obtain the interest amount for your gold loan. You can then customise the repayment option based on your repayment capacity.

If you need a loan to handle your planned or unplanned expenses, you can look at the gold loan offered by Bajaj Finance. You can get with funds as low as Rs. 5,000 and enjoy multiple part-prepayment options and a part-release facility. Use your idle gold at home to get the funds you require. 


You can use our online gold loan calculator on our website to get an estimate before visiting a branch. This helps you plan better and understand your loan eligibility.

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Gold loan interest rates

When you go for a Bajaj Finserv Gold Loan, the interest rate is the main part that affects how much you repay, and it stays competitive to keep borrowing affordable. We offer interest rate ranging from 9.50% to 24% p.a. There is a small processing fee on the loan amount, along with a few other minimal charges, all of which is mentioned upfront on our gold loan interest rate page. The best part is that there are no foreclosure charges, so you can repay your loan early without paying anything extra. Everything is clear and upfront, making it easy to plan your repayments.


Turn your gold into instant support—handle any expense with ease. Check your gold loan eligibility and access funds when you need them most.

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Locate your nearest branch

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Gold loan eligibility criteria

Getting a Bajaj Finserv Gold Loan against your gold jewellery is simple and stress-free. The eligibility rules are very straightforward. You only need to be an Indian citizen between 21 to 80 years old and have rose gold jewellery of 18-22 purity or higher. There is no need to worry about a high credit score or long paperwork. If you have gold jewellery to pledge, you can quickly qualify and access funds with ease.


Checking your gold loan eligibility takes just 2 steps. Simply enter your mobile number, and you are all set to explore how much value your rose gold jewellery can unlock through a Bajaj Finserv Gold Loan. 

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Latest RBI updates

Section

Parameter

Applicable Details

 

Eligibility Criteria

Gold purity accepted

18-22 Karat for jewellery and ornaments

24 karat for gold coins

Eligible collateral types

Gold ornaments, jewellery, and coins

 

 

 

 

 

 

 

 

 

Eligible limit for each collateral type

Ornaments

Total pledged weight across all loans must not exceed 1 kilogram

Gold coins

The total weight of gold coins pledged cannot be more than 50 grams.

Gold Jewellery

As per maximum loan amount.

Overall exposure limit

The total loan exposure across ornaments, jewellery, and gold coins together must not exceed the maximum loan limit of Rs. 2 crore.

Collateral protection

 

Any loss, damage, or discrepancy in the quantity or purity of your pledged gold identified during audit, return, or auction will be recorded and promptly communicated to you or your legal heirs. The reimbursement or compensation process, as per company policy and SOP, will be clearly explained. Delays in collateral release due to lender fault will attract compensation of ₹5,000 per day.

 

 

 

Gold loan renewal

Renewal parameter

You can request renewal of your gold loan before maturity if it remains in standard status and within permissible LTV limits. This facility is available only to existing customers. For bullet repayment loans, accrued interest must be cleared. Renewals are subject to credit checks, fresh applicable charges, and are not allowed after maturity.

 

 

Gold loan top up

Top up parameter

Top-up is allowed before maturity, subject to regulatory LTV limits, credit assessment, and customer eligibility. Fresh fees and charges apply. Top-up after maturity is not permitted, even if dues are outstanding. Top up facility is available only to existing users.

 

 

 

LTV (Loan to Value)

For loans up to Rs.2.5 lakh

85%

For loans between more than Rs.2.5 lakh to Rs.5 lakh

80%

For loans from more than Rs. 5lakh to Rs. 2 crore

75%

 

 

 

Gold Value

Evaluation parameter

As per the latest guidelines, gold loans are offered against specific purity of gold jewellery, ornaments and gold coins, valued using lower of the average closing price for your gold's specific purity over the last 30 days or the previous day's closing price, as published by IBJA or a SEBI-regulated commodity exchange, within prescribed limits and subject to KYC and timely repayment.

How to apply for a gold loan with Bajaj Finance

Applying for a Bajaj Finserv Gold Loan with your rose gold jewellery is quick and hassle-free. You can either visit the nearest branch with your rose gold pieces and valid KYC documents. The team will verify the purity and weight of your jewellery, calculate your eligible loan amount, and process it on the spot. In most cases, the funds are credited to your account the same day, so you can access money exactly when you need it.


For extra convenience, you can also apply online through the Bajaj Finserv App or website. This way, whether you prefer visiting a branch or applying from home, getting a loan against your rose gold jewellery is simple, fast, and stress-free. 


It takes just 2 steps to check your eligibility for a Bajaj Finserv Gold Loan. Enter your mobile number now.

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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. *