Apply for a Bajaj Finserv Gold Loan on Bajaj Markets at interest rates starting from 9.50% p.a.* with flexible repayment options.
Last updated on: February 02, 2026
The Bajaj Finserv Gold Loan interest rate and applicable charges are as follows:
| Fees and Charges | Amount (₹) / Percentage (%) |
|---|---|
Minimum Loan Amount |
₹5,000 |
Maximum Loan Amount |
₹2 Crores |
Interest Rates |
From 9.50% p.a.*up to 24% p.a.* |
Processing Fee |
0.15% of the loan amount (inclusive of applicable taxes) Subject to a minimum ₹99/- (inclusive of applicable taxes) & maximum of ₹600/- (inclusive of applicable taxes) and deducted upfront from loan amount. |
Stamp duty (as per respective state) |
Payable as per state laws and is deducted upfront from the loan amount |
Cash Handling Charges |
Nil effective from 1st Oct’25 |
Penal Charge |
3% per annum on outstanding balance. Penal interest will be over and above the interest rate, which shall be applicable/chargeable in case of default in repayment of the outstanding dues post-maturity |
Part Prepayment Charges |
Nil |
Foreclosure Charges |
Nil, any time post-disbursement of the loan |
Convenience Fee |
A convenience fee of ₹149 (inclusive of applicable taxes) shall be levied for part release of ornament(s) pledged. |
Disclaimer: The rates are subject to change at the lender’s discretion.
You can get substantial financing of up to ₹2 Crores to seamlessly fulfil your financial requirements.
You can benefit from attractive interest rates starting at just 9.50% p.a., ensuring cost-effective borrowing.
Choose from various repayment schedules — monthly, bi-monthly, quarterly, half-yearly, or annually. You can also make partial payments at your convenience.
You can repay your gold loan ahead of schedule without incurring any prepayment or foreclosure penalties.
You can withdraw a portion of the pledged gold by depositing the equivalent value of the released collateral.
Bajaj Finserv uses advanced and standardised equipment across all their branches to ensure you receive the best possible value for your gold.
Your gold jewellery is protected with free insurance coverage against theft or loss while it remains in our custody.
You may renew your gold loan with Bajaj Finserv at the end of the loan tenure, provided the loan-to-value (LTV) ratio complies with regulatory norms
a) Renewal prior to actual loan maturity date
Borrowers may renew Gold Loans at the end of loan tenor subject to LTV being as per regulatory norms. A fresh credit appraisal will be done by the company prior to renewal.
b) Renewal post actual loan maturity date
The company has restricted renewal of gold loans post loan maturity.
You can apply for a top-up on your existing gold loan before it matures in case you need additional funds.
a)Top-up prior to loan maturity
Top-up of existing gold loans are allowed to customers prior to maturity, provided LTV is as per regulatory norms. A fresh credit appraisal will be done by the company prior to top-up.
b) Top-up post loan maturity but loan still active due to outstanding dues
The same is not allowed.
To apply, the following gold loan eligibility criteria are applicable:
Age: Your age must be between 21 and 80 years
Purity of Gold: The gold should have a purity between 18 and 22 karats
Here are the documents you need to submit (any one of the following):
Aadhaar card
Passport
Driving licence
NREGA job card
A letter issued by the National Population Register
Voter ID Card
Step-by-step guide to apply for a Bajaj Finserv Gold Loan on Bajaj Markets through the official app or website:
To start, click on the ‘CHECK ELIGIBILITY’ button available on this page, or download the Bajaj Markets App from the Google Play Store or App Store
Choose ‘New Gold Loan’ as your loan type
Fill in your personal details, such as your name, mobile number, and date of birth
Enter the loan amount you require and your pincode
Select your gender (male, female, or other) and provide your email address
Click on ‘SUBMIT’ to complete your request
After this, a representative of the lender will reach out to you and schedule a date to appraise your gold’s value.
You can get a repayment tenure of up to 12 months with a Bajaj Finserv Gold Loan. It offers multiple gold loan 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 if any, will be due for payment at the time of loan maturity.
There are two ways in which you can repay. These are as follows:
Pay your gold loan instalments using the official mobile app of Bajaj Finserv by following these simple steps:
Head over to the App Store or Google Play Store and download the Bajaj Finserv Loans App
Log in to the app using your credentials or register as a new user
Navigate to the ‘BILLS AND RECHARGES’ section, then choose the ‘LOAN REPAYMENT’ option
Next, choose your loan issuer from the options provided
Provide your loan number and select ‘FETCH YOUR BILL’
Choose your preferred payment method from the list provided
Enter the required payment details, then click on ‘PAY NOW’
After the transaction is completed, you will receive a notification from Bajaj Finserv confirming your payment.
Depending on your convenience and preference, you can choose to repay your gold loan on the lender’s official website. Here’s how:
Visit the official website of Bajaj Finserv - https://www.bajajfinserv.in/
Select ‘LOAN REPAYMENT’ under the ‘PAYMENTS’ section and click on ‘PAY NOW’
From the drop-down list, select your issuer
Provide your loan number and select ‘FETCH YOUR BILL’
From the list of payment options, choose the one that suits your preferences
Next, enter the payment details as requested and click on the ‘PAY NOW’ option
Pledging your gold jewellery offers a quick and efficient way to access funds in times of need. You can use 18 to 22 karat gold as collateral, assessed for purity and weight to determine its value. Following a successful valuation, minimal documentation is required for verification.
Once approved, the loan amount is disbursed directly to your account. You can receive up to 75% of your gold’s value as a loan, based on its weight and purity. The ownership of the gold remains with you while it is securely stored. This process allows you to unlock your gold’s financial potential without giving up ownership.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
Reviewer
A Bajaj Finserv Gold Loan has a fixed repayment tenure of up to 12 months.
You can get a gold loan from Bajaj Finserv at interest rates starting from just 9.50% p.a. However, do note that the rate offered to you is subject to your eligibility for the loan and the lender’s policies
Yes, you can prepay your loan amount. Also, there are no charges or penalties levied on the prepayment.
Bajaj Finserv Gold Loan offers several benefits, including a high loan amount of up to ₹2 Crores, part-release facility, minimal documentation, and fast disbursal. You also enjoy zero charges on part-prepayment or foreclosure, along with the option to top up your existing loan when needed.
All salaried & self-employed individuals, housewives, students and pensioners can apply for a Bajaj Finserv Gold Loan. You must be between 21 and 80 years of age and have gold jewellery of 18 to 22 karat.
You can repay your Bajaj Finserv Gold Loan using UPI, net banking, debit card, e-wallets, or through the Bajaj Finserv mobile app.
You can repay your Bajaj Finserv Gold Loan at any branch or online through various modes. Partial repayment is allowed through the part-payment facility, covering both principal and interest.
Once you repay the full loan amount, you can collect your gold from the Bajaj Finserv branch after verification. Partial release of ornaments is also available on partial payments.
The minimum loan amount available under a Bajaj Finserv Gold Loan is ₹5,000.
Yes, your pledged gold is stored in secure vaults with 24x7 surveillance and strong safety protocols at Bajaj Finserv.
You can apply for a maximum loan amount of ₹2 Crores, enabling you to meet both planned and unforeseen expenses with ease.
To apply for a Bajaj Finserv Gold Loan, you can navigate to the official Bajaj Markets website. Log in using your credentials, navigate to the loans section, and apply through the online application form.
Bajaj Finserv offers up to 75% of your gold’s market value as a loan, based on the purity, weight, and valuation of the pledged gold.
You can reach Bajaj Finserv through customer care on 8698010101 (Monday to Sunday, 9 AM to 9 PM), email, mobile app, or by visiting the nearest branch.
The purity of the gold offered as collateral must be between 18 and 22 karats.
Your pledged gold is stored in secure, surveillance-equipped vaults to protect it from theft, damage, or loss.
No, you do not need a co-applicant. The pledged gold itself serves as security for the loan.
No, a guarantor is not a mandatory requirement for a Bajaj Finserv Gold Loan. This is subject to the lender’s policies and your loan eligibility.
On Bajaj Markets, you can get up to 75% of your gold amount as a loan-to-value (LTV) ratio in a gold loan.
Timely repayment of a gold loan can help maintain or improve your credit score. However, missed or delayed payments may lead to defaults, negatively impacting your credit report.
Yes, you can renew your gold loan once the original tenure ends, subject to lender approval and evaluation.
Gold loan proceeds are not treated as income, so they are not taxable. However, there are no specific tax exemptions on the interest paid.
Failure to repay the gold loan may result in auctioning of the pledged gold jewellery. It can also impact your credit history and lead to legal consequences. Therefore, exploring the repayment options is essential to avoid these situations.