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Unexpected expenses can make it difficult to plan your finances. If you own eligible gold jewellery, ornaments or gold coins, a gold loan can help you access funds by pledging your gold as security instead of selling it.
The amount you may be eligible to borrow depends on factors such as the purity, weight and assessed value of your gold, along with the applicable loan-to-value (LTV) limit. Under the current RBI framework, the maximum LTV is up to 85% for loans up to Rs. 2.5 lakh, 80% for loans above Rs. 2.5 lakh and up to Rs. 5 lakh, and 75% for loans above Rs. 5 lakh.
A gold loan calculator can help you estimate your potential loan amount, interest and repayment obligations before you apply. Bajaj Finance provides an online calculator that you can use to understand your borrowing requirements and plan your repayment more effectively.
Use the calculator as a planning tool, then check your final eligibility, applicable interest rate, charges and loan terms before proceeding with your application.
Key takeaways
Use an online gold loan calculator to estimate the loan amount you may be eligible for based on the value of your gold. The calculator considers factors such as the applicable gold rate and loan-to-value (LTV) ratio to help you understand your potential loan amount.
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.
Here's how you can use a gold loan calculator:
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.
When you go for a Bajaj Finance 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 24.25% 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.
Getting a Bajaj Finance 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 gold jewellery or ornaments of 18-22 purity. You can also pledge gold coins up to 24 karat purity. There is no need to worry about a high credit score or long paperwork. If you have gold jewellery, ornaments or coins 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 Finance Gold Loan.
Applying for a Bajaj Finance Gold Loan with your gold is quick and hassle-free. You can either visit the nearest branch with your gold pieces and valid KYC documents. The team will verify the purity and weight of your gold, 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 Finance App or website. This way, whether you prefer visiting a branch or applying from home, getting a loan against your gold jewellery is simple, fast, and stress-free.
It takes just 2 steps to check your eligibility for a Bajaj Finance Gold Loan. Enter your mobile number now.
Our gold loan valuation process is transparent and quick. Once your gold has been valued and your loan is sanctioned, your pledged gold is kept with us in our facilities for the entire gold loan tenure, with state-of-the-art security protocols to ensure its safety.
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *
