Bajaj Finance Gold Loan Interest Rate Today, 10 October 2026: Slabs, Per-Gram Cost & Schemes

Bajaj Finance gold loan interest rate 9.5% – 26% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹792 – ₹2,167 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹813 – ₹2,224 On ₹1,02,660 advance · gold price updated 2026-10-09

Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.

How much will an Bajaj Finance gold loan cost?

Set your own figures against Bajaj Finance's 9.5%–26% band and up to 12 months (renewable) window. Most gold-loan calculators show only an EMI; this one also prices the bullet structure, which is how a large share of NBFC gold borrowing is actually repaid.

A Indore pathology-lab owner timing a ₹12 lakh equipment pledge to a zero-fee campaign — Bajaj’s drive pricing beating her bank’s gold desk that quarter.

Bajaj Finance gold loan EMI calculator

Repayment structure
Monthly EMI
₹18,312
Total interest
₹19,747
Total repayment
₹2,19,747

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at Bajaj Finance's mid-board 17.75%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,578/mo₹2,490/mo₹1,801/mo
₹1,00,000 ₹9,156/mo₹4,980/mo₹3,603/mo
₹2,00,000 ₹18,312/mo₹9,961/mo₹7,205/mo
₹5,00,000 ₹45,781/mo₹24,902/mo₹18,014/mo

EMI figures at 17.75% — Bajaj Finance's mid-board slab. On a bullet structure the monthly outgo is interest only (₹1,479 a month on ₹1,00,000), with the principal due in full at closure.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹18,312 to ₹7,205, but you carry the pledge three times as long and pay roughly ₹39,636 more in total interest. Because an NBFC prices speed rather than patience, a long carry at Bajaj Finance is the expensive way to use it: the rate does not fall with time, so every extra month adds interest against jewellery you would rather have back.

How much gold loan can I get from Bajaj Finance?

Speed cuts both ways at an NBFC. Enter your weight and purity below so the per-gram figure quoted to you has something to be checked against. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

Bajaj Finance gold loan amount calculator

Appraised value
₹2,73,756
LTV tier applied
85%
Eligible loan (max)
₹2,32,692

Indicative, on the 2026-10-09 reference of ₹14,943/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two Bajaj Finance-specific limits sit around that figure: it lends from ₹5,000 to ₹2 crore stated, so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

Two deductions decide the gap between calculator and counter at Bajaj Finance — what the appraiser judges your purity to be, and how much of the gross weight is not gold at all. Plain chains and bangles survive both almost intact.

Where Bajaj Finance helps: app-grade servicing: statements, alerts, payments without branch visits. Where it does not: gold network still thinner than Muthoot/Manappuram’s street density.

The calculator assumes clean metal weight. Subtract stones, and treat an unhallmarked piece as likely to appraise a karat lower than you expect.

See Bajaj Finance gold loan per gram →
Today's gold rate, city-wise →

Bajaj Finance gold loan schemes

A Bajaj Finance gold loan is really 2 products sharing a counter. The spread from 9.5% to 26% is the distance between them, and nobody will pick the cheapest one on your behalf.

Bajaj Gold Loan

The consumer-finance giant’s gold counter: aggressive campaign pricing to win pledges, layered onto its trademark digital servicing rails.

High-value pledge desk

Large-ticket appetite (crore-plus stated) unusual among non-specialist NBFCs.

Repayment structures offered

  • •Interest-serviced with principal at closure
  • •Part-payment anytime
  • •Bullet within tenure

Charges beyond interest

  • •Campaign-waived processing common
  • •Standard custody/renewal terms
  • •Default-path fees per schedule
  • •MTM provisions

Processing: nil to nominal in campaigns.

Where Bajaj Finance is genuinely strong rather than merely available: campaign floor pricing (from ~9.5%) can genuinely undercut gold-NBFC peers. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the bank tables on our hub will serve you better.

Is an Bajaj Finance gold loan cheaper than a personal loan?

Cheaper, yes — a gold loan is secured and a personal loan is not, and pricing follows collateral. But cheaper money against your jewellery is a different bargain from cheaper money against your signature.

Bajaj’s gold loan rewards the timing-aware: campaign windows put bank-adjacent pricing on an NBFC-convenience counter, and the app rails suit borrowers who want their pledge as visible as their credit card. Off-campaign, it’s one more NBFC quote to compare. Watch the calendar, decline the cross-sells, and it can be the sharpest convenience-tier deal running.

On ₹3 lakh, 24 months Bajaj Finance gold loan Unsecured personal loan
Indicative rate 9.5%–26% 10.5%–24%
EMI at the typical rate ₹14,941 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure up to 12 months (renewable) Up to 5–6 years

The NBFC case is not that it is cheapest. It is that it is open — on a Sunday, at a small ticket, to someone with no score — and a personal loan is none of those things.

On the numbers above, the gold route costs roughly ₹-252 a month less on ₹3 lakh over two years — about ₹-6,048 in total.

The case reverses on two facts. First the tenure mismatch: Bajaj Finance caps gold at up to 12 months (renewable) while a personal loan runs five or six years, so a genuinely multi-year need does not fit a pledge and forcing it means serial rollovers with fresh appraisal and stamp costs. Second, what is at stake: default on an unsecured loan damages a credit file, which recovers; default on a pledge ends with jewellery at auction, which does not.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares Bajaj Finance against every other counter on one table.

The Bajaj Finance slab logic: lower LTV → lower rate

Every rung on Bajaj Finance's board answers one question — how much of the appraised value are you taking? Less drawn, thicker margin, cheaper rate; the ladder below frames the 9.5%–26% band on exactly that.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%9.5%₹792
~60–70%17.75%₹1,479
Max (75% cap)26%₹2,167

*Indicative framing of Bajaj Finance's 9.5%–26% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

Translate before you sign: at Bajaj Finance's floor, every ₹1 lakh costs ₹792 a month; at its ceiling, ₹2,167. Across a ₹5 lakh pledge that's ₹6,875 of monthly difference for the same bangles.

Drawn@9.5%/mo@17.75%/mo@26%/mo
₹2 lakh ₹1,584 ₹2,958 ₹4,334
₹5 lakh ₹3,960 ₹7,395 ₹10,835
₹10 lakh ₹7,920 ₹14,790 ₹21,670

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
Bajaj Finance9.5%26%₹792
Axis Bank 9.5% 17% ₹792
HDFC Bank 9.3% 17.9% ₹775
CSB Bank 9.7% 13% ₹808

Bands overlap more than logos suggest — scheme choice inside Bajaj Finance's ladder often matters more than switching counters. Where a neighbour's floor genuinely undercuts, refinancing after release is routine.

Bajaj Finance full guide· Bajaj Finance per-gram· Rate today· All lenders

Bajaj Finance गोल्ड लोन — हिंदी में जानकारी

Bajaj Finance सोने पर कर्ज लगभग 9.5% से 26% सालाना की दर पर देता है, और अवधि up to 12 months (renewable) तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

Bajaj Finance गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

Bajaj Finance गोल्ड लोन की ब्याज दर कितनी है?
Bajaj Finance की गोल्ड लोन दर 9.5% से शुरू होकर 26% तक जाती है। यह आपकी आय या नौकरी से नहीं, बल्कि गिरवी रखे सोने के मुकाबले ली गई रकम से तय होती है। इसलिए जरूरत से कम उठाना सीधे-सीधे सस्ती दर देता है — यही इस उत्पाद की सबसे कम इस्तेमाल होने वाली सौदेबाजी है।
Bajaj Finance से एक ग्राम सोने पर कितना लोन मिलता है?
आज के भाव पर 22 कैरेट सोने की कीमत लगभग ₹13,688 प्रति ग्राम है। इस पर RBI की तय सीमा लागू होती है — ₹2.5 लाख तक के लोन पर 85%, ₹5 लाख तक 80%, उससे ऊपर 75%। यानी छोटे लोन पर प्रति ग्राम ज्यादा पैसा मिलता है। Bajaj Finance में कर्ज ₹5,000 से ₹2 crore stated तक दिया जाता है। नग और पत्थरों का वजन काटा जाता है।
Bajaj Finance गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
EMI में हर महीने ब्याज के साथ मूलधन भी कटता है, इसलिए कुल ब्याज कम बैठता है। बुलेट में हर महीने सिर्फ ब्याज देना होता है और पूरा मूलधन आखिर में एक साथ चुकाना पड़ता है — मासिक बोझ हल्का, पर कुल ब्याज ज्यादा। बुलेट तब सही है जब पैसा किसी तय तारीख पर आना हो। अगर वह पैसा समय पर न आया और लोन बार-बार बढ़ाना पड़ा, तो हर बार नई जाँच और स्टांप खर्च लगता है।
Bajaj Finance से गोल्ड लोन कितनी जल्दी मिल जाता है?
Bajaj Finance जैसी NBFC में सोना जाँचने से पैसा मिलने तक का काम अक्सर आधे घंटे में पूरा हो जाता है, और कई शाखाएँ रविवार को भी खुली रहती हैं। यही इसकी असली खूबी है। बदले में दर बैंकों से ऊँची रहती है — 9.5% से 26% तक। अगर आपको पैसा उसी दिन चाहिए तो यह कीमत समझदारी हो सकती है; अगर एक दिन रुक सकते हैं तो बैंक का काउंटर सस्ता पड़ेगा।
अगर मैं Bajaj Finance का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
Bajaj Finance तुरंत नीलामी नहीं करता। पहले नोटिस भेजा जाता है, चुकाने का समय दिया जाता है, और उसके बाद ही सार्वजनिक सूचना देकर नीलामी होती है, जिसमें न्यूनतम कीमत तय रहती है। बकाया चुकाने के बाद बची रकम आपको लौटाई जाती है। अगर भाव तेजी से गिरे तो अतिरिक्त सोना या आंशिक भुगतान भी माँगा जा सकता है।

Bajaj Finance gold loan — FAQs

Why does Bajaj Finance charge different gold-loan rates on different schemes?
Same gold, different draw: Bajaj Finance's cheaper schemes simply lend a smaller share of appraised value, and the extra buffer flows back as basis points. That's the whole spread from 9.5% to 26% — LTV appetite, priced honestly.
What does a Bajaj Finance gold loan cost per month per ₹1 lakh?
Per lakh per month at Bajaj Finance: ₹792 on the floor slab, ₹1,479 mid-board, ₹2,167 at the ceiling. A ₹3 lakh pledge therefore meters between ₹2,376 and ₹6,501 monthly — scheme choice is that gap.
Are Bajaj Finance's advertised gold-loan rates guaranteed?
Treat 9.5%–26% as the honest map, not the contract: scheme, ticket size, tenure and payment-discipline conditions position you inside it. The binding number arrives on your Key Fact Statement before acceptance — read it against whatever the counter said aloud.
Can I move my gold loan from Bajaj Finance to a cheaper lender later?
It's a normal move: settle Bajaj Finance's outstanding, verify and collect your sealed packet, walk it to the cheaper counter. Plan the day so the gold is never uninsured in a drawer overnight, and let a multi-point rate gap — not a fraction — justify the fresh pledge costs.
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