✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.79% p.m. ✓ Minimal Documentation Apply Now


Get a Bajaj Finserv Gold Loan of up to ₹2 Crores on Bajaj Markets and enjoy affordable interest rates starting at 9.5% p.a. Choose a convenient repayment timeline of up to 1 year. Apart from these benefits, you can enjoy additional perks like industry-grade standards of operation and security and zero foreclosure charges.

Interest Rates & Charges

Bajaj Finserv Gold Loan interest rates and charges are as follows:

Types of Charges

Applicable Charges

Interest Rates

9.5% - 28%

Stamp Duty

  • Payable according to state laws
  • Deducted from loan amount.

Processing Fees

  • Min- 0.12% of loan amount or ₹99 (inclusive of applicable taxes)
  • Max- 0.12% of loan amount or ₹600  (inclusive of applicable taxes)

Penal Interest

3% p.a. on outstanding balance

Cash Handling Charges

₹50 (inclusive of applicable taxes). Applicable for cash disbursement only

Foreclosure Charges


Part Prepayment Charges


Auction Charges

  • Recovery Charges: ₹500
  • Physical Notice Charges: ₹40 per notice.
  • Advertisement Fee: ₹200


  • The values given above may vary according to the policies and regulations of the financial organisation

  • Penal interest rates will be over and above the interest rates mentioned above

  • It shall be chargeable to the borrower in case of non-payment of dues after maturity

  • Cash handling charges are applicable if disbursement is made in cash

  • Although foreclosure charges are zero, you will have to pay interest for at least 7 days if you have closed the loan within 7 days of booking

  • Auction charges are inclusive of applicable taxes

EMI Calculator

gold loan calculator

Today get gold loan at


Gold to be pledged (in grams)

GM 1 tola=10 gm
gold calculator icon

Required Loan Amount


Select Interest Repayment Frequency

Rate of Interest ( Per Annum )
7 25
Gold EMI Calculator

Gold weight required

0 grams

Repayment Frequency


Interest Repayment

tenure Gold Loan have a fixed tenure of 12 months

Gold Loan have a fixed tenure of 12 months

Features and Benefits

Check out the attractive features and benefits of the gold loan by Bajaj Finserv:

Higher Loan Amount

Get ample funding of up to ₹2 Crores to meet your financial obligations effortlessly

Competitive Interest Rates

Enjoy high affordability with interest rates starting at just 9.5% p.a

Multiple Repayment Options

Repay the gold loan through regular EMIs or partial payments based on your convenience

No Prepayment or Foreclosure Charges

Close the gold loan anytime without worrying about any prepayment or foreclosure charges

Gold Withdrawal

Take a part of the pledged gold by depositing money equivalent to the value of the collateral

Eligibility Criteria and Documents Required

You need to meet the following eligibility criteria to apply for the gold loan: 

  • Age Criteria: Your age must be between 21 and 70 years 

  • Eligibility of Gold: The gold must be between 18 to 24 carats. Gold bars or gold coins do not qualify as collateral


Here are the documents you need to submit:

  • Address Proof: Any one of the following   

  1. Aadhaar Card

  2. Valid Passport

  3. Valid Driving Licence

  4. NREGA Job Card

  5. An issued letter from the National Population Register

  6. Voter ID Card

  • * Identity Documents: Any one of the following

  1. Aadhar Card

  2. NREGA Job Card

  3. Valid Passport

  4. Voter ID Card

  5. Valid Driving Licence

Given above are OVDs (Officially Valid Documents) and often, address discrepancies exist in such documents. As a temporary solution, the applicant can provide the following documents to register an address for a Bajaj gold loan. However, the borrower is required to submit OVDs with the updated address within three months of application.

  • Pension or family pension document

  • Utility bill of the current or previous month

  • Property or Municipal tax receipt

  • Letter of allotment of accommodation from employer

How to Apply?

You can apply for a Bajaj Finserv Gold Loan online by following these simple steps:

  • Click on ‘APPLY NOW’ at the top of the page

  • Enter your personal details, such as your name, mobile number, date of birth, required loan amount, pincode, email address, etc.

  • Once all the details have been filled in accurately and submitted, a representative will contact you to continue with the process

Gold Loan


This type of credit has a fixed tenure of 12 Months.

Yes, you can prepay your loan amount, and there are no charges or penalties levied on prepayment.

The quality of the gold offered as collateral must be between 18 and 24 carats.

No, a guarantor is not required to authorise a gold loan.

Not being able to repay one’s loan amount or an EMI repayment brings numerous consequences upon the borrower. Some lenders could extend deadlines and due dates in favour of the borrower and allow them some more time. 

If the borrower extends 180 days without repaying the loan amount, the lender can take legal action against the borrower under the Negotiable Instrument Act of 1881. The lender also has the right to auction the collateral if the borrower fails to repay the loan. 

In conclusion, the borrower’s credit health would be severely impacted along with their legal records and history as a country citizen.

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