Gold loans have become a highly preferred financial option in Guwahati, providing a combination of flexibility and convenience for those needing immediate funds while retaining ownership of their valuable jewellery. Here are the key features and benefits of taking gold loans in Guwahati:
- Partial release facility:
With the gold loan part release facility, you can repay a portion of your loan and retrieve some of your gold jewellery before the end of the loan term, offering greater financial management flexibility.
- No part-prepayment or foreclosure fee*
Repay a part or pay the entire amount of your loan in advance at no extra cost.
- Transparent evaluation
We use advanced karat meters across all our branches to make sure you get the most value for your gold.
- Free insurance for gold
Our free insurance covers against theft or loss of your gold jewellery while it is with us.
- 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.
- 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.
- 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.
- 800 branches and growing
We have recently opened 60 new branches and are adding more across India in the cities that we operate in.
Eligibility criteria and documents required to apply for gold loans in Guwahati
Individuals can apply for a gold loan to meet various needs such as farming, business requirements, medical emergencies, and more, given they fulfil the essential eligibility criteria. Applicants should be Indian citizens aged between 21 and 70. To complete the application process, one needs to provide any of the following KYC documents:
- Aadhaar card
- Voter ID card
- Passport
- Driving licence
- NREGA job card
- Letter issued by National Population Registration
Submission of the PAN card is mandatory for a gold loan of Rs. 5 lakh or more. Click here to check your gold loan eligibility and apply for a gold loan today.
Gold loan interest rates and charges in Guwahati
With us, you can get a gold loan interest rate starting at just 9.50% per annum. You can stay assured of zero hidden charges with our 100% transparent terms and conditions.
Know all about our gold loan interest rates and charges before applying.
How to calculate gold loan in Guwahati
The Bajaj Finserv Gold Loan Calculator is an online tool that you can use to calculate your gold loan interest rate and loan term. One of the key advantages of using our gold loan calculator is that it provides you with precise loan estimates based on the gold loan rate per gram. The calculator simplifies the process. Input your gold's weight or desired loan amount, and it provides an immediate estimate of the maximum loan amount available.
Why choose Bajaj Finance to avail a gold loan in Guwahati?
Bajaj Finance offers a hassle-free application process, requiring minimal documentation and guaranteeing quick approval, making it an ideal choice for those in urgent need of funds. With additional benefits like multiple repayment options and transparent terms, we ensure a smooth borrowing experience, making it the preferred choice for availing of a gold loan in Guwahati.
How to apply for a gold loan in Guwahati?
Here is a detailed guide to apply for a gold loan
- Click on ‘APPLY’ located at the top of this page to open our online
- application form
Enter your 10-digit mobile number and click on ‘GET OTP’
- Submit the OTP to verify your identity
- Select your state and city to find the branch nearest to you
- Enter your full name and date of birth as per your PAN
- Set up your appointment at our branch
Once done, you will receive a call from our representative to confirm your appointment and guide you on the next steps.
Uses of loan against gold in Guwahati
A loan against gold in Delhi is a flexible financial solution that allows individuals to manage both planned and unexpected expenses without selling their gold. With minimal documentation and fast disbursal, it serves multiple purposes efficiently.
- Business growth – Entrepreneurs can use a gold loan in Delhi to invest in inventory, equipment, or working capital, ensuring smooth business operations.
- Educational needs – Whether for domestic or international studies, a loan against gold in Delhi provides immediate funds for tuition fees and academic expenses.
- Medical emergencies – Urgent healthcare costs can be met quickly with a gold loan, offering instant financial support during critical situations.
- Wedding expenses – With weddings in Delhi being elaborate affairs, a gold loan helps cover venue costs, jewellery purchases, and other related expenses.
- Debt repayment – Borrowers can consolidate high-interest debts by availing funds at competitive gold loan rates in Delhi, reducing their overall financial burden.
The today gold loan rate in Delhi is influenced by gold purity and prevailing market prices, ensuring borrowers get the best possible value. Bajaj Finance offers competitive interest rates, flexible repayment options, and a smooth application process, making it a reliable choice for a gold loan in Delhi.
Why is a gold loan a suitable credit option in Guwahati?
A gold loan is a suitable credit option in Guwahati due to its quick processing, minimal documentation, and flexible repayment options. With a strong cultural significance attached to gold, many households in Guwahati prefer leveraging their gold assets for financial needs instead of selling them.
Key reasons why a gold loan is ideal:
- Quick approval – Quick processing ensures immediate access to funds.
- Minimal paperwork – Borrowers need only basic KYC documents for approval.
- Convenient repayment – Options include monthly, bi-monthly, quarterly, half- yearly or annual interest repayment with any pending interest or principal due to payment at maturity.
- No credit score dependency – Eligibility is based on gold value, not credit history.
- Competitive interest rates – Borrowers benefit from favourable gold loan rates in Guwahati.
Bajaj Finance offers a hassle-free gold loan process, enabling borrowers in Guwahati to access funds conveniently while retaining ownership of their gold assets.
Know more about gold Loan in Indian states and Union Territories
Gold loan in other cities