Gold has always been a treasured asset in India, not just for its beauty as jewellery but also as a source of financial security. Today, you can make your gold work for you with a Bajaj Finserv Gold Loan, converting your jewellery into instant funds for both planned and unexpected expenses. With a simple application process, competitive interest rates, and quick approval, a gold loan is a convenient financial tool. And now, the Gold Loan Carnival, valid from 25th November 2025 to 28th February 2026, makes this the perfect time to explore your options, check your gold loan eligibility, and maximise the benefits of your gold.
Why checking your gold loan eligibility matters during the Gold Loan Carnival
Understanding your gold loan eligibility is the first step to smart borrowing. During the Gold Loan Carnival, customers who avail a gold loan of Rs. 1,00,000 or more can unlock exciting rewards like travel vouchers for foreign trips, 42” LED TVs, microwaves, and small electric appliances. To qualify, you must meet the following eligibility criteria:
● Be an Indian citizen
● Be aged between 21 and 80 years
● Avail a gold loan of Rs. 1,00,000 or more
● Pledge gold jewellery of 18 to 22 karats
● Keep the loan active for at least 180 days from disbursal
● Repayment within 180 days disqualifies you from rewards
● Only one reward per customer during the entire offer period
● Bajaj Finance Ltd reserves the right to modify or extend the offer
Checking eligibility helps you know the maximum amount you can borrow against your gold and ensures that you can participate in the carnival rewards.
By knowing your gold loan eligibility, you can plan your finances better, access funds when you need them, and make informed decisions about the amount to borrow.
How gold loan works and why it is a wise financial choice
A Bajaj Finserv Gold Loan is a secured loan, which means your gold jewellery acts as collateral, allowing for faster approval and lower interest rates compared to unsecured loans. The loan amount you can avail depends on the value of your gold, which is influenced by the prevailing gold loan gram rate. By keeping track of the gold loan in Ahmedabad or other city rates, you can better understand your gold’s current market value and optimise the amount you borrow, ensuring you make informed financial decisions while leveraging your gold effectively.
Gold loans are ideal for both planned expenses like education, weddings, or home renovations, as well as unplanned needs such as medical emergencies. The multiple repayment options offered by Bajaj Finance—including monthly, quarterly, half-yearly, or annual interest payments—allow you to manage your finances comfortably. Your pledged gold is fully insured at no extra cost, giving you peace of mind while you access funds quickly.
Documents required and features of a Bajaj Finserv Gold Loan
Applying for a Bajaj Finserv Gold Loan is simple. You need basic KYC documents such as identity and address proof and your gold jewellery for pledging. Since the loan is secured, credit scores or extensive documentation are not primary factors, making it accessible to a wide range of customers.
Some key features include:
● Instant disbursal to your bank account
● Disbursal in just one branch visit
● Loan amounts from Rs. 5,000 to Rs. 2 crore that fit small and large financial needs
● Competitive interest rates starting at just 9.50% p.a.
● Loan tenure from 1 day to 12 months
● Multiple repayment options
● Part-release facility without prepayment penalties
● No foreclosure charges
● Secure storage with free insurance against theft or loss
During the carnival, this process becomes even more rewarding because eligible customers can participate in the reward program while availing a low-interest gold loan.
Why the gold loan carnival is a smart time to act
The Gold Loan Carnival is designed to reward customers for timely borrowing. By checking your gold loan eligibility during this period, you not only understand the maximum loan you can avail but also gain access to exclusive rewards such as travel vouchers, LED TVs, microwaves, and other appliances. The carnival creates a perfect opportunity to combine financial planning with festive benefits.
Moreover, availing a Bajaj Finserv Gold Loan ensures you get a low-interest loan, quick approval, and hassle-free documentation. Your gold remains secure, insured, and valued correctly based on the gold loan gram rate. This combination of rewards, convenience, and financial flexibility makes the carnival the ideal time to explore gold loans.
How to apply for a gold loan
You can start online or visit a branch. Follow these steps:
● Click on “Apply” on the Bajaj Finserv website or app
● Enter your mobile number and verify with OTP
● Fill in your personal details and choose the nearest Delhi branch
● Download the in-principle eligibility letter
● Visit the branch with your gold jewellery and KYC documents
● Gold is evaluated for purity and weight
● Loan amount is approved and disbursed instantly
Consider using the gold loan calculator to estimate your eligibility and plan better before applying.
The festival period from 25th November 2025 to 28th February 2026 is the perfect window to act. With quick approvals, secure processing, and added benefits, a Bajaj Finserv Gold Loan is a smart, convenient, and rewarding financial solution. Take this opportunity to leverage your gold and meet your financial goals with confidence.
Apply for a Bajaj Finserv Gold Loan today!
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