Discover how the Bajaj Finserv Gold Loan empowers smart, confident, and timely financial decisions this festive season.
MUMBAI, IN / ACCESS Newswire / November 19, 2025 / In 2025, gold is no longer confined to lockers or display cases-it has evolved into a source of financial strength. Beyond its cultural and emotional value, gold now offers practical financial support through gold loans. With the Bajaj Finserv Gold Loan, individuals can unlock the hidden value of their jewelry to access funds quickly, without parting with their treasured possessions.
To celebrate this growing financial awareness, Bajaj Finance has launched the ‘Dhan Ki Dhun' campaign, live from 1st to 15th November. The campaign promotes the importance of making smart financial choices and encourages people to stay in tune with their financial rhythm. With quick loan approval, competitive interest rates, and an easy online process, Bajaj Finance helps customers handle both planned and unplanned expenses effortlessly.
Understanding gold loans and how they work
A gold loan is a secured financial product where an individual pledges gold jewellery as collateral to access funds. The loan amount is determined by the purity and ongoing market value of the gold. Once the loan and interest are repaid, the gold is safely returned to the borrower, making this a secure and convenient financial option.
Applying for a Bajaj Finserv Gold Loan is simple, quick, and completely secure. The gold loan process is designed to make borrowing stress-free and convenient for every customer. Here are some key benefits borrowers can enjoy:
Loan amount: Borrowers can avail funds ranging from Rs. 5,000 to Rs. 2 crore, depending on their need at competitive interest rates.
Quick and transparent process: The application process with Bajaj Finance is easy to understand and hassle-free. One can apply online via the Bajaj Finserv App or website or simply visit their nearest branch.
Quick approval and disbursal: After a quick evaluation of gold, the loan gets approved almost instantly, and the amount is transferred directly to the bank account often on the same day*.
Top-notch security: Bajaj Finance ensures complete safety of the pledged gold by keeping it in secure vaults under constant surveillance and free insurance coverage against theft and misplacement.
Flexible use of funds: Borrowers can use the loan amount for various needs such as education, healthcare, or home renovation-without selling their precious gold asset.
No prepayment charges: Borrowers can easily part-prepay or foreclose their loan without incurring any additional cost.
Gold loan process and eligibility criteria
Understanding the eligibility requirements makes applying for a gold loan even easier. Bajaj Finance ensures a straightforward experience for all applicants.
An individual is eligible for a Bajaj Finserv Gold Loan if they:
Are an Indian citizen aged between 21 and 70 years.
Own 18-22 karat gold jewellery to pledge.
Once the gold is evaluated, the loan amount is sanctioned often in just one branch visit. Borrowers can choose from multiple repayment options-monthly, bi-monthy, quarterly, half-yearly, or annual interest repayment. Any pending interest or principal to be paid by the end of the tenure.
To simplify planning, the gold loan calculator on Bajaj Finance's website allows users to estimate their eligible loan amount and interest payable in advance. This feature supports better financial planning.
Documents required for gold loan approval
Getting a gold loan does not require heavy documentation. Bajaj Finance requires any one of the basic KYC documents for verification. Applicants only need to provide:
Aadhaar
Passport
Voter ID
Driving licence
NREGA job card
Letter from the NPR
Once these documents are submitted, the gold is evaluated, and loan approval follows. The simplicity of this process highlights why Bajaj Finance remains a trusted choice for gold loans across India.
How to apply for a Bajaj Finserv Gold Loan online
Applying for a gold loan with Bajaj Finance is simple and hassle-free with Bajaj Finserv App or website:
Click on "Apply" to start your online application
Enter your 10-digit mobile number and click on "Get OTP"
Submit the OTP to verify your identity
Fill in your personal details and choose the nearest gold loan branch
Download the in-principal loan eligibility letter
Once the application is submitted, Bajaj Finance representative contacts them and guides them on the next steps.
Making the right financial decision in 2025
As personal and family expenses evolve, gold loans remain a dependable solution for quick liquidity. Whether it is funding education, managing healthcare costs, or upgrading a home, pledging gold provides immediate access to funds without financial strain.
Choosing a Bajaj Finserv Gold Loan means enjoying quick approval, secure storage, and convenient repayment-all backed by Bajaj Finance's commitment to trust and transparency.
This November, during the ‘Dhan Ki Dhun' campaign, Bajaj Finance invites individuals to let their gold work for them and stay in sync with their financial rhythm. In 2025, financial wisdom is all about making informed decisions-and with a Bajaj Finserv Gold Loan, individuals can truly stay tuned to their own Dhan Ki Dhun.
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About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL', ‘Bajaj Finance', or ‘the Company'), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 80.41 million customers. Bajaj Finance has a credit rating of AAA/Stable for its Fixed Deposit program from CRISIL and ICRA, AAA/Stable for long-term borrowing from CRISIL, India Ratings, CARE and ICRA, and A1+ for short-term borrowing from CRISIL, India Ratings and ICRA. It has a long-term issuer credit rating of BBB-/Stable and a short-term rating of A-3 by S&P Global ratings.
To know more, visit www.bajajfinserv.in.
Media Contact:
Media Team
contact@bajajfinserv.in
SOURCE: Bajaj Finance Limited
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