Bajaj Finance Gold Loan Carnival Offers Rewards in India
PUNE, Maharashtra — February 14, 2026 — Leads & Copy —
In India, gold serves as both a prized possession and a trusted method for securing funds. Gold loans are designed to provide quick and efficient access to money by unlocking the value of gold. Bajaj Finance aims to simplify this process with its Bajaj Finserv Gold Loan, which offers fast approval, competitive interest rates, and minimal documentation.
The Gold Loan Carnival, an initiative by Bajaj Finance, allows borrowers to potentially earn rewards while leveraging their gold during the festive season. The carnival is valid from November 25, 2025, to February 28, 2026.
Customers who avail a gold loan in India of Rs. 1,00,000 or more may be eligible for rewards such as travel vouchers, a 42” LED TV, microwaves, and other electric appliances. The offer does not apply if the gold loan is repaid within 180 days from disbursal, and each customer can benefit from the reward only once during the carnival period.
To be eligible, applicants must be Indian citizens aged between 21 and 80 years with gold purity between 18 and 22 karats. The minimum gold loan amount is Rs. 1,00,000, and the loan should not be repaid within 180 days from the date of disbursal. Bajaj Finance may specify additional criteria. Borrowers can estimate their loan eligibility by keeping track of the current gold rate and using tools such as a gold loan calculator.
Bajaj Finance offers benefits that include secured loans where borrowers pledge their gold jewellery as collateral, competitive interest rates based on the purity and value of the gold, and flexible repayment options such as monthly, bi-monthly, quarterly, half-yearly, or annually. Applications can be submitted online via app or website, or at any of the 1,100+ branches across India, with minimal documentation required (Aadhaar, voter ID, passport, driving licence, NREGA job card, or NPR letter are accepted). Pledged gold is securely stored and insured at no additional cost. Borrowers can release part of their gold or close the loan early.
The gold loan process through Bajaj Finserv involves initiating the application on the Bajaj Finserv website, verifying identity with a received OTP, entering personal details, and selecting the nearest gold loan branch. After downloading the in-principal loan eligibility letter, a Bajaj Finserv representative will provide guidance on the next steps. Disbursal occurs after document verification and agreement on terms, with reward eligibility tracking commencing post-disbursal.
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 with a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. 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.
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Source: Bajaj Finance
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