Customers can unlock quick funds at attractive interest rates and make the most of their gold this July with Bajaj Finance. Avail funds up to ₹2 crore, enjoy low interest rates, convenient repayment options, and more.

PUNE, India, July 14, 2025 /PRNewswire/ -- Gold has always held emotional and financial value in Indian households. Today, it is doing more than just sitting in lockers—it is helping people meet their urgent and planned financial needs. One of the easiest ways to unlock its value is through a gold loan.

This July, Bajaj Finance launched the Gold Loan Utsav, a special campaign offering attractive benefits for those looking to borrow against their gold jewellery. Whether it is for medical emergencies, school fees, home repairs, or festive purchases, a gold loan offers a quick, safe, and practical solution.

Gold loans: A trusted financial tool With rising awareness, more people are turning to gold loans as a smarter borrowing option. It allows individuals to pledge their gold jewellery and receive funds without selling their precious belongings. Unlike other loans, gold loans come with convenient terms, quick approvals, and simple documentation.

The gold interest rate is another major advantage. During the Gold Loan Utsav, customers can enjoy competitive interest rates, making repayment more affordable. Bajaj Finance offers a range of interest repayment options to suit different needs—monthly, bi-monthly, quarterly, half-yearly, or annual repayment, with any principal or interest due to be paid before the end of the tenure.

Why Gold Loan Utsav stands out The Gold Loan Utsav by Bajaj Finance provides an ideal opportunity for individuals to manage their finances with confidence. Backed by a strong network of branches, trained personnel, and secure storage facilities, Bajaj Finance ensures customers experience a smooth borrowing journey.

Here are some highlights of the Gold Loan Utsav: • Quick loan approval: Borrowers can receive funds in just one branch visit after submitting their application and gold for evaluation.

• Minimal documentation: Only provide any one of the basic KYC documents, like an Aadhaar card, Voter ID, Driving licence, passport, NREGA job card, or a letter from the NPR, for verification.

• Transparent gold evaluation: Industry-grade tools used for accurate weight and purity checks.

• Attractive gold interest rate: Enjoy competitive interest rates during the Utsav period.

• Multiple repayment options: Borrowers can choose a repayment schedule that works best for their budget.

• Easy foreclosure: Prepay or foreclose the loan at no additional cost.

How to apply for a gold loan with Bajaj Finance The application process is simple and customer-friendly. Individuals can visit the nearest Bajaj Finance branch in Visakhapatnam or apply online. The pledged gold (18–22 karat) is evaluated using advanced tools, and once verified, the eligible loan amount is quickly disbursed to the borrower's bank account.

Prospective borrowers can also use the gold loan calculator on the Bajaj Finserv website to estimate their loan amount based on gold weight and purity—helping them plan better.

This helps in planning expenses and repayment better, making the entire process transparent and stress-free.

To apply for gold loan, borrowers just need to follow these simple steps: • Visit the Bajaj Finserv Gold Loan page.

• Click on 'Apply' to start the application • Enter a 10-digit mobile number and click on "Get OTP." • Submit the OTP to verify the identity • Fill in personal details and choose the nearest gold loan branch • Download the in-principle loan eligibility letter Once done, the Bajaj Finance representative will get in touch with the applicant to guide them with the next steps.

Helping people make smart choices Bajaj Finance continues to empower individuals with easy-to-access financial solutions. The Gold Loan Utsav stands as a testament to this commitment—offering value, speed, and transparency. For anyone looking to address a financial need without selling their gold, this is a timely and trustworthy option.

Borrowers retain ownership of their gold, which is securely stored and returned in its original condition after repayment. Now is an ideal moment to benefit from the Gold Loan Utsav and put idle gold to productive use. Interested individuals can walk into their nearest Bajaj Finserv Gold Loan branch or apply online today.

T&C Apply 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 a 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.

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NBFC deposit-taking registration enables secured gold loans with pledge-based valuation, flexible repayment and no-cost foreclosure. Bajaj Finance, a deposit-taking NBFC registered with the Reserve Bank of India and classified as an NBFC Investment and Credit Company, offers secured gold loans using pledged jewellery as collateral. The scheme relies on minimal KYC documentation, industry-grade weight and purity evaluation, secure storage of pledged items, rapid disbursement after branch evaluation, multiple repayment schedules, and a no-cost foreclosure option, with gold returned in original condition upon repayment.