Gold Loan Features and Benefits
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Features and benefits of our gold loan
Watch this video to know more about the key features and benefits of our gold loan.
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Part-release facility
With our part release facility, you can repay a part of your loan and take part of your gold jewellery back before the end of your loan tenure.
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No part-prepayment or foreclosure fee*
Repay a part of your loan in advance or pay the entire amount at no extra cost.
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Transparent evaluation
We use best-in-class karat meters across all our branches to make sure you get the most value for your gold.
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Free insurance of gold
Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.
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Convenient repayment options
We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis 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.
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Easy application process
Apply for a gold loan online. Our representative will help you with your application when you visit our Gold Loan branch in your city.
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Gold loan of up to Rs. 2 crore
We offer instant gold loans starting from Rs. 5,000 up to Rs. 2 crore. You can choose the amount that suits you best from the offer extended to you.
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800 branches and growing
We have recently opened 60 new branches and are adding more across India. We are also opening new branches in the cities that we operate in.
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Easy application process
When you go to the nearest Bajaj Finserv Gold Loan branch in your city to complete the process, we will have everything ready for you.
Gold loan of up to Rs. 2 crore
We provide gold loans ranging from Rs. 5,000 to Rs. 2 crore. You may select the amount that best meets your needs from the available offer.
800 branches and growing
We have recently opened sixty new branches across India and are adding more. We are also opening new branches in the cities where we operate.
A gold loan is a secured loan that lets you borrow money against your gold jewellery. You can then repay it over a tenure of 12 months.
When you apply for a gold loan from Bajaj Finserv, you get an offer based on the value of your gold ornaments. You can select the amount you need, or the full offer amount.
We use the best available meters to ensure that your jewellery is valued correctly. This way, you receive the best possible offer against it. Our advanced security protocols ensure that your valuables are kept safe while they are in our custody.
You can use your gold loan to fund a variety of planned and unplanned expenses, from a sudden medical emergency to home repairs.
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Frequently asked questions
Generally, income proof is not required for a gold loan. The primary benefit of a gold loan is its collateral-based nature, which means that your income or financial status is not a crucial factor in securing the loan. Instead, it's the value of your gold jewellery that determines eligibility.
The processing fee for a gold loan is charged at the time of booking the loan and is not included in your chosen interest repayment frequency. An advantage of a gold loan with Bajaj Finance is that you can select to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis, depending on your convenience.
