Apply For Gold Loan Online

A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). You can pledge your gold jewellery as collateral and get a loan against the gold by following our hassle-free process. 

The loan amount is decided after checking the weight and purity of your gold jewellery. The loan amount provided by the lender is up to 85% of the value of your gold jewellery. The value is based on the current market value of gold. The gold rate is calculated by 30-day moving average of 22K gold as per rate quoted by India Bullian and Jewellers Association Limited (IBJA). 

Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a gold loan from Bajaj Finance ltd, you can apply online, and we will call you and guide you on the next steps or you could simply visit the nearest gold loan branch in your city.  

From salaried and self-employed individuals to traders, farmers, and business persons, anyone can apply for a gold loan from Bajaj Finance Ltd.  

You must be between 21 and 80 years of age and have gold jewellery of 18 – 22 karat. 

You should apply for a gold loan when you need money for your planned or unplanned expenses. A gold loan is a form of a secured loan. It may be a good option if you already have an ongoing loan. You can apply for one by pledging the gold jewellery you may have at your home.  

Walk into the nearest Bajaj Finserv Gold Loan Branch in your city. You can also start by completing the simple application form. 

BFL shall not grant any advance or loan against the following:

• For purchase of gold in any form including primary gold, ornaments, jewellery, or coins, or for purchase of financial assets backed by gold, e.g., units of Exchange-traded funds (ETFs) or units of Mutual Funds


• Primary gold or financial assets backed by primary gold

Yes, you can get a loan against gold jewellery at an attractive interest rate. Bajaj Finserv gold loan interest rates start from 9.5% p.a. onwards. To get a loan against gold jewellery, click on the ‘APPLY’ option on the top of this page. You could also walk into the nearest Bajaj Finserv Gold Loan branch in your city.  

The minimum limit that Bajaj Finance Ltd offers for a Gold Loan is Rs. 5,000. 

With Bajaj Finance Ltd, you can get a Gold Loan maximum limit of Rs. 2 crore. 

Fluctuations in gold prices directly influence your gold loan value. As the gold price changes, so does the collateral’s worth, affecting the loan amount. It’s essential to monitor the gold rate to understand these variations and make informed decisions about your gold loan, ensuring financial stability. 

We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis as per your convenience. Please note that the principal amount and pending interest for your loan against gold jewellery, if any, will be due for payment at the time of loan maturity. 

To foreclose your loan against gold, follow these simple steps: 

1. Visit your nearest BFL gold loan branch.


2. Pay the outstanding amount.


3. Submit the Original Gold Delivery Receipt (GDR).

The loan amount for gold loan is calculated by evaluating the weight and purity of your pledged gold, often between 18-22 karats. We apply a gold loan per gram rate to establish the gold’s then provide up to 85% of this value as the loan, as per the guidelines set by RBI. 

Below is the list of fees and charges associated with Gold Loan

Documents required to apply for Gold loan includes-  

Any one of the following KYC documents: 

• Aadhaar card


• Voter’s Identity card


• Passport


• Driving licence


• NREGA job card 


• Letter issued by Na-tional Population Registration