How Bajaj Finance Gold Loan Carnival Simplifies Borrowing

29 January 2026 : Indian families have long trusted gold as a symbol of security and lasting value. Today, this trust extends to modern finance with the Bajaj Finserv Gold Loan. Enhancing this, the Gold Loan Carnival offers quick access to funds along with exciting rewards. Running from 25 November 2025 to 28 February 2026, eligible customers can win prizes like travel vouchers, LED TVs, microwaves, and other home appliances. To qualify, you must avail a gold loan of Rs. 1 lakh or more and keep it active for at least 180 days. One reward per customer makes borrowing rewarding without added pressure. Discover efficient funding with trusted support and exciting rewards from Bajaj Finance during the Gold Loan Carnival.

Rewards available during the Gold Loan Carnival

The Gold Loan Carnival offers four categories of rewards to eligible customers. A maximum of 10,504 winners will be selected across all categories. Each customer can receive only one reward during the entire offer period. 

 

The gold loan process remains the same, but the benefits increase. These rewards are linked to the successful disbursal and fulfilment of all eligibility conditions. 

Who can take part in the Gold Loan Carnival?

Customers must meet the following straightforward and transparent conditions to qualify for the gold loan rewards:

 

• Indian citizens aged between 21 and 80 years
• Gold purity between 18 and 22 karats
• Minimum gold loan amount of Rs. 1,00,000
• Loan not repaid within 180 days from the date of disbursal
• One reward per customer during the entire offer period

 

Bajaj Finance may specify additional criteria at its sole discretion. Meeting these conditions ensures fair participation and clear outcomes for all eligible customers.

How the gold loan process works during the Carnival

The gold loan process is simple, speedy, and secure at every step:

 

• Initiate the application through the Bajaj Finserv website by clicking on ‘APPLY’
• Share 10-digit mobile phone number and complete identity verification with the received OTP
• Enter personal details and select the nearest gold loan branch
• Download the in-principal loan eligibility letter and await a call from a Bajaj Finserv representative for guidance on the next steps

Once the documents are verified and the terms are agreed upon, disbursal can take place. Reward eligibility tracking begins after successful disbursal.

Why choose Bajaj Finance for gold loan

Apart from a smooth, customer-friendly gold loan process, Bajaj Finserv Gold Loan offers features that allow customers to borrow with confidence and repay according to their convenience.

 

• Instant disbursal with just one branch visit
• Loan range from Rs. 5,000 to Rs. 2 crore to suit different needs
• Competitive interest rates, based on borrower’s profile and the purity and value of the pledged gold
• No income proof required or application
• Secure storage and free insurance for pledged gold against theft or loss
• Part release facility to reclaim some gold before full repayment
• Multiple repayment schedules that align with applicant’s cash flow to reduce stress and enable efficient budget management
• No prepayment or foreclosure charges for early repayment

 

With a simple, transparent, customer-focused gold loan process, Bajaj Finance serves as a reliable partner, while the Gold Loan Carnival offers a limited window to gain added value from this trusted source. Customers are encouraged to plan wisely, borrow responsibly, and apply during the Gold Loan Carnival to access immediate funds and enjoy long-term 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.