Why choose Bajaj Finserv Gold Loan

Gold loan: A wise financing solution

Sometimes, you may suddenly need funds—whether for something planned or completely unexpected. You might think of breaking a fixed deposit or using your savings, but why touch them? Instead, you can simply opt for a Bajaj Finserv Gold Loan and get the money you need while keeping your savings intact.

Advantages of opting for a Bajaj Finserv Gold Loan

Here are the key reasons why you should choose our gold loan when you need quick finance:

Loan of up to Rs. 2 crore

We provide gold loan ranging from Rs. 5,000 to Rs. 2 crore. Once your gold jewellery is evaluated for its value as per the last ongoing gold market rates, you can choose the amount that best meets your needs from your total offer.
 

Convenient repayment options

With us, you get multiple repayment options to repay your loan. You can make regular gold loan interest payments on monthly, bi-monthly, quarterly, half-yearly or annual basis. It is important to note that any pending interest or principal amount due is to be paid by the end of the tenure. 

Simple application procedure

The gold loan application process for our gold loan is fairly simple. You can apply online or in person at the nearest Bajaj Finserv Gold Loan branch. When you visit our nearest branch in your city to complete the process, we will evaluate your gold jewellery using the best-in-class carat metres and offer you an amount based on the current market rates for gold.
 

Part-release facility

You do not need to keep all your gold with us until you finish paying all your debt. You can repay a portion of your loan and retrieve some of your gold jewellery before the end of the tenure with easy our gold loan part release facility.
 

No part-prepayment or foreclosure fee

You will not be charged any additional charges if you want to prepay a part of your loan or foreclose the entire loan. This allows you to get your gold jewellery back into your possession without the stress of paying any additional prepayment costs.
 

Free gold insurance

Your gold jewellery is stored securely in advanced vaults with 24x7 surveillance. On top of that, our free insurance of gold offers extra protection, covering you against financial loss if it is ever misplaced or stolen.

Gold loan renewal

You may renew your gold loan at the end of loan tenure, subject to LTV being as per regulatory norms. A fresh credit appraisal will be done by us prior to renewal. However, renewal post actual loan maturity date is restricted.

Gold loan top-up

You can apply for a top-up on your existing gold loan before its maturity, as long as the loan-to-value (LTV) remains within regulatory limits and a fresh credit assessment is completed by us. However, if your loan has passed its maturity date but is still active due to outstanding dues, a top-up is not allowed.

Do not let your jewellery sit idle—tap into its value with a gold loan that suits your needs. Check your gold loan eligibility today!