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Get a gold loan today
Get a gold loan today at
₹ /gm

Your Gold Loan with us

Check details and make payments on your gold loan

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Gold Loan Balance Transfer

Exclusive offers | No income documents | No hidden charges
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100% safe and secure

Gold Loan Balance Transfer
Exclusive offers | No income documents | No hidden charges

Transfer your gold loan balance in 2 steps

  1. Fill your details Fill in your personal details and current loan details
  2. Visit gold loan branch Select the nearest gold loan branch and take your loan documents there for further processing

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Disbursal in 15 minutes*

Your bank account will be credited with your loan amount in just 15 minutes*.

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Disbursal in just one branch visit

Get an instant gold loan without the need for multiple branch visits.

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Attractive interest rates

Get a gold loan at interest rates starting 9.5%* p.a.

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Loan up to ₹2 crore

Get a gold loan of up to ₹2 crore

Features and benefits of our gold loan

  • Part-release facility

    With our part release facility, you can repay a part of your loan and take part of your gold jewellery back before the end of your loan tenure.

  • No part-prepayment fee or foreclosure fee*

    Repay a part of your loan in advance or pay the entire amount at no extra cost.

  • Transparent evaluation

    We use best-in-class karat meters across all our branches to make sure you get the most value for your gold.

  • Free insurance of gold

    Our free insurance covers against theft or misplacement of your gold jewellery while it is in our custody.

  • Convenient repayment option

    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, if any, will be due for payment at the time of loan maturity.

  • Easy application process

    Apply for a gold loan online. Our representative will help you with your application when you visit our Gold Loan branch in your city.

  • Gold loan of up to Rs. 2 crore

    We offer instant gold loans starting from Rs. 5,000 up to Rs. 2 crore. You can choose the amount that suits you best from the offer extended to you.

  • 800 branches and growing

    We have recently opened 60 new branches and are adding more across India. We are also opening new branches in the cities that we operate in.

*Terms and conditions apply

A loan for all your goals


A gold loan can be an excellent financial tool for various purposes. Whether you need funds for home renovation, medical expenses, or any other unplanned expenses, a gold loan provides the financial flexibility needed to meet your goals. With competitive interest rates, minimal documentation, and flexible repayment options, a gold loan can help you cover immediate expenses and invest in opportunities, ensuring that you can manage your financial needs efficiently without losing ownership of your jewellery.

Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Eligibility criteria and documents required

Anyone can apply for our gold loan, as long as they meet the basic gold loan eligibility criteria mentioned here. They will be asked to submit a few basic documents to complete their application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 to 70 years
  • Gold purity: 18-22 karat

Documents required

Any one of the following:

  • Aadhaar card
  • Voter ID card
  • Passport
  • Driving licence
  • NREGA job card
  • Letter issued by National Population Registration

PAN card is not required. However, if you apply for a gold loan of Rs. 5 lakh or above you will be asked to submit your PAN card.

How to apply for a Gold Loan

Step-by-step guide to applying for a gold loan

  1. Click on “Apply” to initiate online application.
  2. Enter your 10-digit mobile number and click on “Get OTP.”
  3. Submit the OTP to verify your identity.
  4. Fill in your personal details and select the nearest gold loan branch.
  5. Download In-principal loan eligibility letter.

Once done, you will receive a call from our representative and guide you on the next steps.

Gold loan interest rate and applicable charges

Types of fee

Applicable charges

Interest rate

9.50% to 24% per annum

Processing fees

0.15% of the loan amount (inclusive of applicable taxes).
Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount

Cash handling charges

Rs. 50 (inclusive of applicable taxes) applicable for cash disbursement only.

Penal charge

3% per day on Outstanding Balance - Penal charge will be over and above the interest rate slab mentioned above which shall be applicable/chargeable in case of default in repayment of the Outstanding Dues post maturity. 

Cash deposit charges

Customers will incur a cash deposition charge of Rs. 50 (Inclusive of Applicable taxes) when making cash payments at our branch offices

PG facility charges

Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties

Convenience fee

Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for release of ornament/s out of multiple ornaments securing the Gold Loan.

Part-prepayment charges

NIL

Foreclosure charges

Minimum 7 days interest

Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged.

Auction charges

Charge for physical notice – Rs. 40 (inclusive of applicable taxes) per notice

Recovery charges – Rs. 500 (inclusive of applicable taxes)

Advertisement fee – Rs. 200 (inclusive of applicable taxes)


The interest rates applicable on gold loans are dynamic and frequently change due to external factors.


Still have not found what you are looking for? Click on any of the links at the top of this page.

Frequently asked questions

What is gold loan balance transfer?

A gold loan balance transfer is a process where you move your gold loan balance from your current lender to another lender. People often transfer gold loans with the aim of getting a lower interest rate, better repayment terms, or if they are not happy with the service of their current lender.

What are the benefits of transferring a gold loan?

Transferring a gold loan can offer several benefits, like lower interest rates, free insurance of gold, multiple repayment options, high loan amount per gram of gold, and more. Gold loan balance transfer features can also include improved security, part release facility and no part-prepayment or foreclosure fee. Overall, gold loan transfer can help borrowers save money and get better loan terms.

what are the eligibility criteria for gold loan balance transfer?

To transfer gold loan balance from one lender to another you need to meet a few simple eligibility parameters. You must be an Indian citizen aged between 21 and 70 years, and have your basic KYC documents ready before applying for a transfer. Also, the gold jewellery you pledge must be between
18-22 karats.

Why should you choose gold loan balance transfer?

A gold loan takeover allows you to transfer your gold loan balance from your current lender to another lender. Transferring your outstanding gold loan allows you to repay the advance at reduced rates, allowing savings on unnecessary interest payments. You can also get benefits like free insurance of gold, part-release facility, multiple repayment options and high loan amount per gram of gold.

What is the gold loan balance transfer process?

Follow the given steps to complete your gold loan balance transfer with Bajaj Finance:

 

  • Check if you meet all eligibility requirements for a balance transfer.
  • Next, apply for a gold loan foreclosure with your existing lender.
  • Fill out a simple form to apply for a gold loan transfer to Bajaj Finance.
  • Submit the minimum necessary documents required to complete the paperwork.
  • Obtain pledged gold from the previous lender and deposit it with Bajaj Finance under industry-best vault security.
  • Obtain a new loan agreement with low gold loan interest rate and other favourable terms.
  • Receive the gold loan amount in your bank account.
  • Once received, you can start repaying the advance as per the agreed schedule.

 

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Bajaj Finance's Gold Loan online Top-Up facility
 
 

Bajaj Finance's Gold Loan online Top-Up facility

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.