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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Still haven’t found what you are looking for? Click on any of the links at the top of this page.
How to apply for Gold Loan
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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.
