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  • Bajaj Finserv Gold Loan

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  • Bajaj Finserv offers gold loan at affordable rates of interest starting at 12% p.a with tenure going up to 20 years. The process to apply for a gold loan from Bajaj Finserv is extremely simple and hassle-free. You can either apply for a gold loan from Bajaj Finserv online or visit the nearest branch of the company to avail a gold loan.

    Features of availing gold loan from Bajaj Finserv

    • You can avail loan up to Rs.10 lakh to fulfil your needs.
    • A carat meter is used to get the accurate value of your loan based on which you will be able to avail gold loan from the company.
    • Special security measures are taken by the company in order to ensure that your gold remains safe and secure with them.
    • Tenure for which you will be availing the gold loan is extremely flexible. The maximum repayment tenure that the company offers is up to 20 years.
    • You will not be charged any pre-payment or foreclosure charges which makes your loan even more affordable.
    • You are offered a wide range of mode of repayment. There are three modes or repayment offered to you by Bajaj Finserv:
    • You can pay the interest on a monthly or a quarterly basis and pay the outstanding amount at the end of the tenure or
    • Repay the loan by paying regular EMIs or
    • Pay the interest at the beginning of your loan tenure and pay the rest of the amount at the end of the tenure.
    • You can also withdraw a part of your gold ornament in case of any financial need.

    Eligibility criteria

    Given below is the eligibility criteria you will have to fulfil in order to avail gold loan from Bajaj Finserv:

    • The minimum age of the applicant must be 21 years and the maximum age of the applicant should be 70 years.
    • The applicant can be a salaried individual, self-employed, farmer, trader, or a businessman.

    Documents required

    Given below is the list of documents you will have to submit in order to avail gold loan from Bajaj Finserv:

    • Proof of address such as Aadhaar Card, utility bills, etc.
    • Proof of identity such as PAN Card, Passport, Aadhaar Card, etc.
    • If you wish your EMI or interest to be directly deducted from your bank account, you will have to produce a cancelled cheque.

    Fees and Charges

    Charges Fees applicable
    Interest rate 12% p.a. onwards
    Processing fee Rs.25 to Rs.50 inclusive of the taxes
    Penal interest 3% and exclusive of all taxes
    DOCUMENT/STATEMENT CHARGES Statement of Account/ Repayment Schedule/No Objection Certificate/ Foreclosure Letter/ Interest Certificate/List of documents You can either get the following documents by logging into the customer portal of Bajaj Finserv called Experia. You can also visit the branch of Bajaj Finserv and get the following documents by paying Rs.50 per document.
    Part payment NIL
    Foreclosure NIL

    Frequently Asked Questions (FAQs)

    How can I apply for a gold loan from Bajaj Finserv?

    You can either visit the official website of Bajaj Finserv and under ‘Products’, you will find ‘Loan’. Click on ‘Loan’ and under it find ‘Gold Loan’. You will be directed to a separate page which will be the application form. Enter the details as required and click on the box which states that you authorise the company to get in touch with you via phone call or SMS. Click on ‘Submit’. A customer care executive from the company will get in touch with you and assist you with the process of applying for a gold loan.

    You can also visit the nearest branch of Bajaj Finserv with the necessary documents and apply for a gold loan.

    What will happen in case the gold gets stolen from the branch of Bajaj Finserv?

    The company ensures that the gold given to them by you as security is insured. Hence, in the event your gold gets stolen, the company will reimburse you the full value of your gold based on the current gold prices.

    I have a doubt related to gold loan. How can I get it cleared?

    In case of any query related to gold loan, you can either call on the number 020-3957-5152 or send an email to wecare@bajajfinserv.in. A customer care official will get in touch with you and assist you with your queries. You can also visit the nearest branch of Bajaj Finserv where an official will help you and clear your queries.

    I have opted for the interest repayment scheme. Do I have the option of part payment?

    Yes, you have the option of part payment. You can make a part payment whenever you want to.

    What is gold loan WOW?

    Under this facility, the customer will not be required to visit the branch of Bajaj Finserv. Under this facility, a representative from the company will visit your residence and help you with the process of availing a gold loan. However, it must be noted that in order to avail this facility, the applicant will have to avail a minimum loan of Rs.2 lakh. The testing of gold and other processes involved before the loan is approved will be carried out at the branch. If the customer wishes to release the gold submitted, he/she will have to visit the branch to get it done.

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