Customers can unlock the value of their gold with attractive gold loan interest rates and a chance to win exciting prizes from 25th Nov’25 to 28th Feb’26.
Bajaj Finance gold loan
Gold has always been a prized asset in Indian homes. It is worn as jewellery during special occasions, but it is also seen as a form of savings and financial security. Today, instead of letting gold sit idle in lockers, many people are choosing to unlock its value through a gold loan. In line with this growing preference, Bajaj Finance has announced its limited-period gold loan carnival, valid from 25th Nov’25 to 28th Feb’26, offering customers not only competitive gold loan interest rates but also a chance to win exciting rewards.
As part of the gold loan carnival, eligible customers who avail a gold loan of Rs. 1,00,000 or above may qualify for attractive rewards, subject to the applicable terms and conditions. A gold loan continues to emerge as a reliable financial tool for managing both planned and unplanned expenses. Whether it is for education, medical needs, business expansion, or household requirements, customers can pledge their gold jewellery and receive funds quickly without selling their treasured assets.
Details of the gold loan carnival
The gold loan carnival is valid from 25th Nov’25 to 28th Feb’26. During this limited period, eligible customers can not only access funds but also stand a chance to receive exciting rewards.
Eligibility criteria:
- Select customers who avail a gold loan of Rs. 1,00,000 or above from BFL may be eligible for rewards
- The offer is not applicable to customers who repay the gold loan within 180 days from the date of disbursal
- Each customer is eligible for the reward only once during the offer period
Upon fulfilment of all specified criteria, eligible customers may receive rewards such as:
|
Reward rank |
Reward description |
|
1st reward |
Travel voucher for foreign trip |
|
2nd reward |
42 inch LED TV |
|
3rd reward |
Microwave |
|
4th reward |
Small electric appliances |
These rewards add an extra layer of value for customers who are already benefiting from competitive gold loan interest rates and quick access to funds.
Why a gold loan is a smart financial choice
A gold loan allows customers to borrow against their gold jewellery while retaining ownership. The process is simple. The lender checks the purity and weight of the gold and offers a loan amount based on the prevailing gold rate and regulatory loan-to-value (LTV) norms.
Unlike unsecured loans, a gold loan is backed by collateral. This often results in faster approval and easier eligibility. It is particularly helpful during urgent financial needs because documentation is minimal. In most cases, customers only need basic KYC documents such as identity proof and address proof.
Key benefits of a gold loan include:
- Quick loan approval and fast disbursal
- Convenient tenure options, generally up to 12 months
- Multiple repayment options, including monthly or periodic interest payments
- Secure storage and insurance of pledged gold
- Transparent process with clear terms and conditions
These features make gold loans a practical solution for individuals seeking liquidity without long processing times.
How to get a competitive gold loan interest rate
One of the main reasons customers prefer a gold loan is the competitive gold loan interest rate compared to many unsecured borrowing options. Since the loan is secured against gold, lenders offer attractive interest rates.
To secure a favourable gold loan interest rate, customers are advised to:
- Apply when gold prices are stable or high, as this may improve eligibility
- Choose a repayment option that matches their cash flow
- Borrow only the amount required
- Understand all fees and charges before confirming the loan
Bajaj Finserv Gold Loan from Bajaj Finance is designed to offer competitive pricing along with a simple and transparent structure. Customers benefit from clear communication about interest rates, charges, and repayment terms, helping them make informed decisions.
Easy application process with Bajaj Finserv Gold Loan
Bajaj Finance has simplified the application process to make it convenient and time-saving. Customers can begin the process online and complete it at a nearby branch.
The application steps include:
- Entering a mobile number online and verifying it with an OTP
- Filling in basic details and selecting the nearest branch
- Receiving in-principle eligibility confirmation
- Visiting the branch with gold jewellery for evaluation
- Receiving quick disbursal after verification
The focus remains on speed, safety, and transparency. The entire journey is designed to reduce paperwork and provide a smooth borrowing experience.
As gold continues to hold emotional and financial value in Indian households, using it strategically through a gold loan can help individuals maintain financial stability while keeping their cherished jewellery safe.
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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 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.
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