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 interest rates starts from 8.28% p.a. Nil foreclosure charges and processing fee will be applicable.
Here’s how you can get started with Indiagold loan application on :
Step 1: Visit the gold loan application page on the Bajaj Markets website.
Step 2: Enter your name, mobile number, date of birth, required loan amount and pincode.
Step 3: Once you’ve filled in the details, a loan representative will get in touch with you for further processing.
Here’s the eligibility criteria for Indiagold loan:
Here are the documents that you need to get started with your Indiagold loan application:
PAN Card
Aadhaar Card
PAN Card
Aadhaar Card
Income Proof (Bank statement, ITR, GST certificate)
Here are some of the features and benefits of the Indiagold loan:
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.
Indiagold offers attractive interest rates on its gold loan, with interest rates starting from 8.28% p.a.
When you avail a gold loan from Indiagold, your gold jewellery is automatically insured against transit and fidelity by Indiagold, free of any cost.
The loan to value percentage offered by Indiagold is 75%.
There will be no hidden fees and charges levied on your Indiagold loan.
The processing of your Indiagold loan application is simple and can be done at your doorstep.
The Indiagold loan processing requires only your identification proof, PAN card (or Form 60) and passport photographs.
Once your application has been processed, your loan amount will be credited to your bank account instantly.
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.
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:
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.
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.
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.
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.
Here are the gold loan interest rates for leading banks and NBFCs in India to help you make an informed decision.
Bank/NBFCs |
Rate of Interest |
Indiagold |
8.28% p.a. onwards |
Bank of Baroda |
8.85% p.a. onwards |
Bajaj Finserv |
9.50% - 28% p.a. |
SBI |
8.00% - 8.70% p.a. |
HDFC Bank |
7.60% - 17.05% p.a. |
Axis Bank |
17% - 19% p.a. |
Kotak Mahindra Bank |
8% - 17% p.a. |
ICICI Bank |
10% - 17.95% p.a. |
Union Bank of India |
7.90% - 10.05% p.a. |
Indian Bank |
9% - 10.15% p.a. |
Disclaimer: Above mentioned rates are subject to change at the discretion of the bank/NBFC.
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
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.