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BAJAJ FINSERV DIRECT LIMITED

Gold Loan in Delhi

A gold loan offers a quick and secure way to access credit with minimal risk. Since the loan is backed by gold as collateral, the approval process is smooth and hassle-free.

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Required Gold Weight

16 gms

Monthly EMI

₹ 8,367

Total Interest

₹ 401

Total Payment

₹ 100,401

Today’s Gold Rate @ ₹ 9053 / Gm for 22k purity

Select Type

Required Loan Amount

Interest Rate

- +

Tenure

- +

Check Eligibility

You can also make instant comparisons between gold loan offers from over 6 loan providers on Bajaj Markets

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Why Choose Bajaj Markets for Your Gold Loan in Delhi

Gold loan providers in Delhi may offer different interest rates and Loan-to-value (LTV) ratios. Instead of visiting multiple local gold dealers, Bajaj Markets allows you to compare multiple lenders in one place, helping you secure the best deal without unnecessary hassle.

Here are some key benefits:

Fast Processing

A seamless digital application ensures quick review and approval of your loan request.

Minimal Documentation

The simplified online process makes applying for a gold loan hassle-free.

No Hidden Fees

With Bajaj Markets, you get complete transparency without any undisclosed charge.

Trust and Reliability

The entire process is conducted with transparency, ensuring a secure and trustworthy experience.

Features and Benefits of Gold Loans

Gold loans are easy to qualify for, requiring minimal documentation. They come with affordable interest rates and flexible repayment options.

Here are some key features and benefits:

Part-release Facility

Repay a portion of your loan anytime and reclaim part of your pledged gold before the gold loan tenure ends.

High Loan Amount

Get up to 75% of your gold’s market value, ensuring easy access to funds.

Flexible Repayment Options

Choose a repayment schedule that suits you—monthly, bi-monthly, quarterly, half-yearly, or annually.

No Pre-closure Charges

Close your loan anytime without extra fees.

No Credit Score Requirement

Your credit score isn’t a deciding factor, making gold loans accessible to more borrowers.

*Disclaimer: Terms and conditions apply to the benefits mentioned above, and these may vary from one lender to another.

Eligibility Criteria

Before applying for a gold loan in Delhi, it’s important to understand the eligibility criteria for approval. Here’s what you need to qualify:

Employment Type: Salaried employees, self-employed individuals, entrepreneurs, farmers, and traders can apply
Age: You must be at least 18 years old
Citizenship: You need to be an Indian citizen
Gold as Collateral: The gold you pledge as collateral must be at least 18 karats

Documentation Required for a Loan against Gold

You also have to provide a list of documents when applying for a loan against gold in addition to fulfilling the gold loan eligibility requirements:

Any one of the following address proofs

Aadhaar card
Passport
Driving licence
Utility bills

Any one of the following identity proofs:

Driving licence
Voter ID
Aadhaar card
Passport

How to Apply for a Gold Loan in Delhi

Applying for a gold loan through Bajaj Markets is quick and simple. Follow these steps to get started:

1. Visit the Bajaj Markets gold loan page

2. Click on ‘CHECK ELIGIBILITY’

You can use the Gold Loan Calculator available on the page. Enter the weight of your gold to estimate the loan amount you may be eligible for.

3. Fill in the application form with your basic details:

Select the loan type
Enter your name, mobile number, date of birth, email address, and pincode
Specify the loan amount you need
Select your gender
Agree to the terms and conditions

4. Click on ‘SUBMIT’

Once submitted, your application will be reviewed, and an executive will contact you for the next steps.

Gold Loan Interest Rates in Delhi

Our Partners	Minimum Interest Rate	Minimum Loan Amount	Loan Tenure
Bajaj Finserv	9.50% p.a.	₹5,000	Up to 12 Months Check Eligibility
IIFL Finance	11.88% p.a.	₹3,000	24 Months Check Eligibility
indiagold	9.24% p.a.	₹ 20,000	61 Days - 12 Months Check Eligibility
Muthoot Finance	9.96% p.a.	₹1,500	7 Days - 36 Months Check Eligibility
Muthoot FinCorp ONE	9.96% p.a	₹1,550	3 Months - 12 Months Check Eligibility
Rupeek	8.88% p.a.	₹25,000	3 Months - 12 Months Check Eligibility

*Disclaimer: The rates are subject to change at the lender’s discretion.

Frequently Asked Questions (FAQs)

What is a gold loan, and how does it work?

A gold loan is a secured loan where you pledge your gold ornaments (18-24 karats) as collateral to borrow funds from a lender.

Who is eligible to apply for a gold loan in Delhi?

Any Indian citizen above 18 years of age with at least 18-karat gold to pledge can apply.

What documents are required to apply?

You need identity and address proofs such as Aadhaar card, utility bills, passport, driving licence, or voter ID card.

How is my gold’s value determined?

Lenders assess purity (e.g., 22K or 24K), weight, and the current market price. The loan amount is then calculated using the Loan-to-value (LTV) ratio.

What are the current interest rates for gold loans in Delhi?

Gold loan interest rates on Bajaj Markets start from 8.88%. Applying online is convenient, whether you are in Delhi or any other city.

How long does loan processing and disbursement take?

Once your gold and documents are verified, the loan is processed and disbursed quickly.

What repayment options are available?

Repayment options include EMIs, bullet payments, and part payments, allowing flexibility as per your preference.

What happens if I default on repayment?

If payments are missed despite reminders, the lender may impose penalties or auction your pledged gold.

Can I prepay or foreclose my loan? Are there charges?

Many lenders allow prepayment or foreclosure, though some may charge a fee based on loan terms.

How do gold price fluctuations impact my loan?

If gold prices rise, your loan eligibility may increase. If prices fall, the amount you can borrow may reduce.

How much loan can I get per gram in Delhi?

The loan amount per gram in Delhi is based on the current gold rate (per gram for 22K gold), on Bajaj Markets.

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Gold Loan in Delhi

Why Choose Bajaj Markets for Your Gold Loan in Delhi

Features and Benefits of Gold Loans

Eligibility Criteria

Documentation Required for a Loan against Gold

How to Apply for a Gold Loan in Delhi

Gold Loan Interest Rates in Delhi

Frequently Asked Questions (FAQs)

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