07 January, 2026 : Gold has long held a place of trust in Indian households, valued not only as jewellery but also as a dependable source of financial security during urgent needs. From unexpected medical expenses to education-related payments, gold has often helped families access funds without parting with cherished assets. Building on this tradition, Bajaj Finance offers the Gold Loan Carnival, a limited-period initiative running from 25 November 2025 to 28 February 2026, designed to combine timely financial support with attractive rewards.
Under the Carnival, customers who opt for a Bajaj Finserv Gold Loan of ₹1,00,000 or more can become eligible for rewards such as travel vouchers, LED televisions, microwaves, and other electric appliances. While the rewards add excitement, borrowers often focus on one critical aspect before pledging their jewellery: understanding the actual cost of the loan.
Bajaj Finance offers an interest calculator for gold loans that estimates costs using loan amount, tenure, and interest rate, helping borrowers plan better and set clear repayment expectations.
Why do people worry about gold loan costs?
Concerns around gold loan interest rate outgo, repayment pressure, and hidden charges are common when taking a loan against gold. Access to an interest calculator helps ease these worries by offering transparency early in the decision-making process. During the Gold Loan Carnival, this tool becomes especially useful, allowing customers to compare loan amounts and tenures while ensuring the loan remains active for the required minimum period.
By encouraging thoughtful borrowing and clear planning, Bajaj Finance aims to help customers enjoy Carnival benefits with confidence, while keeping their finances balanced and their gold secure.
What an interest calculator for gold loans really does
An interest calculator for gold loans is a simple online tool designed to provide clarity before borrowing. It uses three key inputs—the loan amount, selected tenure, and the applicable gold loan interest rate—to estimate the repayment amount.
The calculation is indicative and not final. Actual interest rates and repayment terms depend on factors such as the purity, weight, and market value of the pledged gold, along with the lender’s assessment. However, the calculator allows individuals to compare different loan scenarios in advance, supporting informed and confident decisions during the Gold Loan Carnival.
How the calculator helps during the Gold Loan Carnival
Careful planning plays an important role during the three-month Carnival period. An interest calculator for gold loans allows individuals to explore different loan options without visiting a branch. It helps compare loan amounts or assess how shorter and longer tenures affect repayments.
This advance planning helps avoid common errors. Since the Carnival requires the loan to remain active for at least 180 days, the calculator assists in selecting a suitable tenure while keeping repayments manageable. It also discourages over-borrowing by clearly showing the total interest cost. As a result, borrowers can choose an amount that meets their needs while maintaining financial stability and protecting their gold.
Gold Loan Carnival at a glance
Detail | Information |
Offer name | Gold Loan Carnival |
Offer period | 25 November 2025 to 28 February 2026 |
Eligible loan amount | Rs. 1,00,000 and above |
Eligible loan tenure | Active for 180 days or longer |
Applicable lender | Bajaj Finance Ltd |
Reward limit | One reward per customer |
Reward categories | ● 1st reward: Travel voucher for foreign trip – Maximum 10 winners ● 2nd reward: 42″ LED TV – Maximum 34 winners ● 3rd reward: Microwave – Maximum 272 winners ● 4th reward: Small electric appliances – Maximum 10,188 winners |
Total winners | Maximum 10,504 customers |
These rewards are designed to celebrate responsible borrowing. They add value without changing the loan terms.
Who can take part in the Gold Loan Carnival?
- Any Indian citizen
- Age between 21 and 80 years
- Gold purity between 18 and 22 karat
- Gold loan amount of Rs. 1,00,000 or more
- Loan must not be repaid within 180 days
- All Bajaj Finance Ltd criteria must be met
Bajaj Finserv Gold Loan accepts applications from salaried individuals, self-employed people, housewives, students, and pensioners. No credit score dependency, which makes the process faster and easier.
Why Bajaj Finserv Gold Loan fits the Carnival theme
The Gold Loan Carnival is about smart borrowing, transparency, and added benefits. Bajaj Finserv Gold Loan delivers all three.
Key features and benefits:
- Competitive interest rates based on gold value and tenure.
- Borrow between Rs. 5,000 and Rs. 2 crore, depending on the needs.
- Only basic KYC documents are needed for approval.
- Loans are often disbursed on the same day with just one branch visit.
- Free insurance for pledged gold against theft or loss during custody.
- Transparent valuation of gold using advanced instruments for fair pricing.
- Multiple payment options, ranging from monthly, bi-monthly, quarterly, half-yearly or annual interest payments.
- Repay early or partially without extra fees.
How to apply
- Start the application online through the Bajaj Finserv website or app.
- Enter the 10-digit mobile number and verify with OTP.
- Fill in the personal details and choose the nearest gold loan branch.
- Download the in-principal eligibility letter.
- Visit the selected branch with the gold and KYC documents.
- Receive quick disbursal after gold evaluation and document verification.
Therefore, careful planning before pledging gold is essential. Using an interest calculator for gold loans helps borrowers understand costs clearly, compare repayment options, and take informed decisions with confidence. Bajaj Finserv Gold Loan supports this approach through competitive interest rates, flexible repayment choices, and transparent terms with no hidden charges. By applying during the Carnival period and keeping the loan active for more than 180 days, customers can benefit from both reliable financial support and attractive rewards.
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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.
