✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Apply Now

indiagold is a digital platform that offers instant gold loans and secure gold locker services across India. You can repay your loan amount in a flexible tenure ranging from 61 Days to 12 Months. You can now also apply for indiagold loan on Bajaj Markets.

indiagold Loan Interest Rate & Charges

indiagold interest rates starts from 9.24% p.a. Nil foreclosure charges and processing fee will be applicable.

How to Apply for indiagold Loan at Bajaj Markets

Here’s how you can get started with indiagold loan application on:

  • Visit the gold loan application page on the Bajaj Markets website.

  • Enter your name, mobile number, date of birth, required loan amount, pincode, etc.

  • Once you’ve filled in the details, a loan representative will get in touch with you for further processing.

Features and Benefits of indiagold Loans

Loan Amount

For a fresh loan, you can get an amount starting from as low as Rs. 20,000 to meet your immediate financial requirements. For Balance Transfer, the amount starts from Rs. 50,000 onwards.

Attractive Interest Rates

indiagold offers attractive interest rates on its gold loan, with interest rates starting from 9.24% p.a.

Free Insurance

When you avail a gold loan from indiagold, your gold jewellery is automatically insured against transit and fidelity by indiagold, free of any cost.

High Loan to Value Percentage

The loan to value percentage offered by indiagold is 75%.

No Hidden Fees and Charges

There will be no hidden fees and charges levied on your indiagold loan.

Simple Process

The processing of your indiagold loan application is simple and can be done at your doorstep.

Instant Money Transfer

Once your application has been processed, your loan amount will be credited to your bank account instantly.

Balance Transfer Facility

The indiagold balance transfer facility allows you to switch over to indiagold from another bank, this will help you save up on higher interest rates.

Disclaimer: Terms and conditions apply to the above-mentioned benefits, and these may vary based on the lender.

indiagold Loan Eligibility

Here’s the eligibility criteria for indiagold loan:

  • Applicant must be over the age of 21
  • In case of balance transfer, the applicant's CIBIL score must be over 550.

indiagold Loan Documents

1. Fresh Loan

  • PAN Card

  • Aadhaar Card

2. Balance Transfer

  • PAN Card

  • Aadhaar Card

  • Income Proof (Bank statement, ITR, GST certificate)

Factors That Determine Your Gold Loan Interest Rate

It’s crucial that you look into your interest rate before making any borrowing. A number of factors are considered when the lender determines your interest rates. Here are some factors that could affect your gold loan rates:

  • Credit Score

An important determinant of the interest rate offered to you is your credit score and credit history. If your credit score is high and the lender can verify your creditworthiness, they will automatically consider you to be a low-risk borrower. This means that the lender is likely to give you a lower interest rate.

  • Market Price of Gold

When the market price of gold is high, then naturally the value of gold is also higher. This makes gold an attractive security for lenders, causing your interest rates to be lower.

  • Principal Loan Amount

Generally, when your loan amount is higher and you pledge higher quantities of gold, the interest rates are also lower. However, depending on your lender’s policies, this can differ. You may use the indiagold EMI calculator to determine your loan amount, interest rate and EMI.

  • External Benchmark Lending Rates

The benchmark lending rates impact the general economic condition tremendously. Hence, if the benchmark lending rate is quite high, your lender’s interest rates may also be higher.

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Compare indiagold Loan with other Financial Institutions

Here are the gold loan interest rates for leading banks and NBFCs in India to help you make an informed decision.

Name of the Partner

Interest Rate

Repayment Tenure


Bajaj Finserv

9.5% - 28% p.a.

Up to 12 Months

Apply Now


9.24% p.a. onwards

61 Days - 12 Months

Apply Now

Muthoot Finance

9.96% p.a onwards

7 Days - 36 Months

Apply Now

Muthoot FinCorp ONE

9.96% p.a onwards

3 Months – 12 Months

Apply Now


8.88% p.a. onwards

3 Months – 12 Months

Apply Now

IIFL Finance

11.88% p.a. onwards

1 Month – 60 Months

Apply Now

Disclaimer: Above mentioned rates are subject to change at the discretion of the bank/NBFC.

indiagold Customer Care

Here’s how you can get in touch with the indiagold customer care team:

  • Request a call back through the indiagold app or website.

  • Phone No: 080-68495878

  • Email ID: hello@indiagold.co

FAQs on indiagold Loan

Yes, it is 100% safe. The gold that you pledge with Indiagold is stored in a safe and secure vault till the maturity period. Additionally, your pledged gold is also protected with insurance (free of cost), and easy withdrawable, at any time.

indiagold is currently functional in Indore, Mumbai, Noida, Faridabad, Ghaziabad, Chennai, Pune, Gurgaon, Visakhapatnam, Delhi NCR, Hyderabad and Surat.

Any kind of gold jewellery, which is 18K – 22k are accepted. Gold coins, bars, biscuits are not accepted.

For a fresh loan, all you need is a PAN Card and Aadhaar Card. While for balance transfer, you need to submit PAN Card, Aadhaar Card, and additionally Income Proof (Bank statement/ITR/GST certificate).

Yes, indiagold provides Balance Transfer facility.

With ‘Gold Loan At Home Service’, you need not visit the branch to apply for the loan. After filling the basic details, you get to choose the option of your application being processed either from your home or the nearest branch. Our loan manager visits your home to process the loan application.

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