12 January 2026:-In India, gold represents trust, security, and years of family tradition. It has also always been a powerful financial tool that helps families meet urgent needs without having to sell their precious assets.
A gold loan in India offers fast and trusted solutions when funds are needed quickly. Bajaj Finserv Gold Loan stands out as a reliable option with transparent processes and customer-friendly features. Right now, the Gold Loan Carnival is running from 25th November 2025 to 28th February 2026. Customers who avail a gold loan of Rs. 1,00,000 or above during this period can win exciting rewards. Prizes include travel vouchers for foreign trips, 42-inch LED TVs, microwaves, and small electric appliances. To qualify, the loan should not be closed within 180 days. Each customer can win only once during the offer period.
However, before pledging gold, checking its value is important. This is where a gold loan calculator comes in handy.
What is a gold loan calculator?
A gold loan calculator is an online tool that helps estimate loan amounts. It uses details like gold weight, purity, and current market rates, as per IBJA. People use a gold loan calculator before applying for a loan to help them understand how much money they can borrow. The calculator also shows possible repayment schedules. This makes planning easier and reduces unwanted surprises later. For anyone seeking a gold loan in India, using a calculator is a smart first step. It gives clarity and builds confidence before visiting a branch.
How accurate is a gold loan calculator during the Carnival?
The accuracy of a gold loan calculator depends on the inputs used. The calculator considers gold weight, purity between 18 and 22 karats, and market gold rates. It also follows RBI loan-to-value norms. Most calculators use the 30-day average gold rate published by the India Bullion and Jewellers Association (IBJA). This ensures the estimate is based on stable market trends. However, final disbursal amounts may vary slightly. This happens because actual gold evaluation is done at the branch. Factors like design complexity and wear can affect the final value.
The Gold Loan Carnival does not change how the gold is valued or alter the calculator logic. Rewards are separate from the valuation process. In keeping with their focus on customer trust and clarity, Bajaj Finserv Gold Loan Calculator remains reliable for planning. It provides honest estimates that help customers prepare better.
What makes the Bajaj Finserv Gold Loan Calculator dependable?
The Bajaj Finserv Gold Loan Calculator is built with transparency in mind. It aligns with RBI guidelines and uses clear valuation methods. There are no hidden assumptions or complex formulas. Customers can input their gold details and instantly see an estimate. The calculator also helps estimate monthly repayments based on the chosen tenure. This makes it useful during the planning phase. Customers can decide if the loan amount meets their needs. They can also check if they meet the Rs. 1,00,000 minimum requirement for Carnival rewards.
Rewards that make the gold loan carnival exciting
The Gold Loan Carnival offers four categories of rewards. These are distributed among the winners:
Rank | Reward type |
1st | Travel voucher for foreign trip |
2nd | 42-inch LED TV |
3rd | Microwave |
4th | Small electric appliances |
These rewards are added value for customers who meet all eligibility criteria. They are not guaranteed returns, but they make the borrowing experience more exciting.
Who can participate in the gold loan carnival?
Not everyone who takes a gold loan qualifies for Carnival rewards. Bajaj Finance has set clear eligibility criteria to ensure fairness and transparency. These include:
- Indian citizenship
- Age between 21 and 80 years
- Gold purity between 18 and 22 karats
- Minimum gold loan amount of Rs. 1,00,000
- Loan should not be closed within 180 days from disbursal
- One reward per customer during the offer period
Customers are encouraged to use a gold loan calculator early to check if their gold value meets the minimum loan requirement.
Features that set Bajaj Finserv gold loan apart
- Quick disbursal with just one branch visit.
- Loan amounts ranging from Rs. 5,000 to Rs. 2 crore, depending on the gold value.
- No income documents required.
- Free insurance of pledged gold, protecting it from theft or loss.
- Transparent evaluation process using reliable instruments.
- Option for part-release and foreclosure without penalty.
- Multiple repayment options.
How to apply for a Bajaj Finserv Gold Loan
- Visit the Bajaj Finserv website or app and click on ‘APPLY’
- Enter 10-digit mobile number and verify with an OTP
- Fill in personal details and choose the nearest branch
- Download the in-principle loan eligibility letter
- A representative will call and guide the applicant on the next steps
- Visit the nearest branch with pledged gold and any one KYC document
- Gold is evaluated, and terms are explained clearly
- Once approved, the loan is disbursed to their account instantly
- Reward eligibility is confirmed if all Carnival criteria are met
A gold loan is preferable to many Indian families over unsecured loans. It offers faster approvals, requires minimal paperwork, and does not depend on credit scores. The process too is straightforward and customer-friendly. Borrowers can access funds without parting with their assets permanently, making gold loans in India both practical and emotionally reassuring.
Bajaj Finance offers a further layer of reliability, transparency, and customer-focused benefits. And the Gold Loan Carnival adds an extra layer of excitement, making the borrowing experience more rewarding. However, responsible borrowing should always come first. So, it is always best to check loan eligibility, using the gold loan calculator, and apply for the Bajaj Finserv Gold Loan during the Carnival to make the most of this opportunity.
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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.
