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Get an instant gold loan in Patna. Check eligibility, interest rates, and key features before applying.
Patna, the capital of Bihar, deeply values gold as a symbol of wealth and tradition, especially during weddings and festivals. Getting a gold loan offers a quick and reliable way to meet urgent financial needs without selling your assets.
On Bajaj Markets, you can get a gold loan of up to ₹2 Crores with flexible repayment options. You do not have to sell your gold to receive funds, as your pledged gold remains safe and securely stored until you fully repay the loan.
Gold loans are a convenient solution to meet financial needs. They are secure, easy to obtain, and come with flexible options tailored to different requirements:
Gold loans are processed quickly because your pledged gold serves as collateral. With minimal eligibility checks, you can access funds promptly, making them highly suitable for emergencies or urgent financial needs.
On Bajaj Markets, you can compare gold loan offers from multiple lenders with interest rates starting at 9.48% p.a. Choose the lender offering the lowest rate for your needs.
You only need to submit basic KYC documents, such as ID and address proof. Since income or credit score checks are generally not required, you can get your loan without unnecessary delays.
Lenders store your gold securely in insured vaults until you repay the loan. This keeps your asset protected throughout the loan tenure and gives you complete peace of mind.
You can select a repayment plan that suits your financial situation, including EMIs, part payments, or bullet payments. On Bajaj Markets, flexible tenures of up to 24 months allow you to manage repayments comfortably.
You can use the loan amount for any purpose, such as medical emergencies, education, weddings, or other personal needs. This flexibility ensures that you can meet your financial requirements without constraints.
Follow these simple steps to apply for a gold loan in Patna, on Bajaj Markets:
Visit the official Bajaj Markets website gold loan page and click on ‘CHECK ELIGIBILITY’
Select either the ‘Gold Loan’ or ‘Gold Loan Balance Transfer’ option
Provide your personal information, including name, mobile number, date of birth, and desired loan amount
Enter your PIN code, email address, and choose your gender
Agree to the terms and conditions, then click ‘SUBMIT’ to complete your application
Follow the instructions for submitting documents and completing the verification process
Before applying for a gold loan, make sure you meet the following eligibility criteria:
Nationality: You need to be an Indian citizen
Age: You need to be at least 18 years old
Employment: You can be a salaried employee, self-employed individual, entrepreneur, farmer, or trader
Gold Purity: The gold you pledge as collateral needs to be at least 18 karats
You will also need to provide the following documents when applying online:
| Document Type | Details |
|---|---|
PAN card |
Voter ID |
Aadhaar card |
Aadhaar card |
Voter ID |
Passport |
Passport |
Driving licence |
Driving licence |
Electricity bill |
Disclaimer: You may be asked to submit additional documents beyond the mentioned ones. Requirements may vary by lender.
When you apply for a gold loan, interest rates and fees may vary depending on the lender. On Bajaj Markets, you can access competitive rates and choose from loan offers provided by partner lenders with flexible terms.
| Partner | Starting Interest Rate | Loan Amount | Max. Tenure | Processing Fee |
|---|---|---|---|---|
Rupeek |
9.48% p.a. |
₹1.5 Crores |
12 months |
Up to 1% |
Bajaj Finserv |
9.50% p.a. |
₹2 Crores |
12 months |
₹99 |
Muthoot FinCorp ONE |
9.96% p.a. |
₹50 Lakhs |
12 months |
NIL up to ₹250 |
indiagold |
10.20% p.a. |
No Limit |
12 months |
Up to 1% + GST |
IIFL Finance |
11.88% p.a. |
₹30 Lakhs |
24 months |
NIL |
Fedfina |
12% p.a. |
₹10 Lakhs |
12 months |
Up to 1.25% |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
The gold loan amount depends on several factors, including the current gold rate, as well as the purity and weight of the gold you pledge. Higher purity and greater weight allow you to secure a larger loan amount.
To estimate your eligible loan:
Determine the Gold Weight: Check the weight of the gold you intend to pledge (in grams)
Check Gold Purity: Ensure the gold is at least 18 karats for most lenders
Find the Current Gold Rate: Refer to the prevailing market rate per gram of gold
Apply the LTV Ratio: Lenders typically offer up to 75% of your gold’s value
Calculate the Loan Amount: Multiply the gold value by the LTV ratio to determine your eligible loan amount
To simplify the process, you can use the gold loan calculator available on Bajaj Markets. This tool provides an instant and accurate estimate of your loan amount, helping you plan your finances more effectively.
On Bajaj Markets, you can easily compare loan offers from multiple lenders and choose the one that fits your needs. The platform is simple to use and provides a secure way to apply for gold loans online. Here are the benefits:
Quick Processing
The digital application process allows lenders to review and verify your loan swiftly. You can receive approval in a short time, making it ideal for urgent financial requirements.
Online documentation simplifies the gold loan application process. You only need to submit essential KYC documents, reducing time and effort.
Lenders partnered with Bajaj Markets maintain complete transparency, with all fees disclosed upfront. You can be assured that there are no hidden charges throughout the loan process.
Security and Trustworthiness
Your gold is stored securely in advanced vaults with surveillance and insurance. The entire loan process is transparent, providing peace of mind and confidence in your lender.
You can obtain a gold loan of up to ₹2 Crores in Patna through lenders available on Bajaj Markets. The final loan amount depends on the weight and purity of your gold, along with other factors, such as:
Current market value of gold
Loan-to-value (LTV) ratio set by the lender
Lender’s policies and appraisal methods
When you apply for a gold loan offered by lenders on Bajaj Markets, your application is quickly approved, and the funds are disbursed if your documents are verified and if you meet the eligibility criteria.
You can choose a gold loan tenure ranging from 12 months to 36 months with lenders on Bajaj Markets, depending on your requirements.
Yes, lenders securely store your gold in insured vaults with robust safety measures until you repay the loan.
Yes, you can prepay your gold loan anytime without prepayment or foreclosure charges. However, this may vary depending on the lender and their policies.
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