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When you need quick funds, pledging your gold jewellery can help you meet urgent expenses without selling your precious assets. Bajaj Finance is now offering an exciting opportunity through the Gold Loan Carnival. Valid from 25 November 2025 to 28 February 2026, this offers rewards customers who avail a gold loan of Rs. 1,00,000 or above. Each customer can receive one reward during the offer period. However, loans repaid within 180 days from disbursal are not eligible for rewards.
This is where the gold price becomes important. The gold price in Assam is influenced by local demand and global trends. These shifts directly affect the online gold loan value you receive when pledging your jewellery. A higher rate means better assessed value and potentially easier access to the Rs. 1,00,000 threshold for Carnival rewards. Top prizes include travel vouchers for foreign trips, 42" LED TVs, microwaves, and small electric appliances. Bajaj Finserv Gold Loan makes the process fast and transparent.
What does the Bajaj Finserv Gold Loan Carnival entail
Detail | Information |
Offer period | 25 November 2025 to 28 February 2026 |
Eligibility | Gold loan of Rs. 1,00,000 or above Not eligible if repaid within 180 days One reward per customer |
Top rewards | Foreign travel voucher (max 10), 42" LED TV (max 34), microwaves (max 272), small appliances (max 10,188) |
How the gold price in Assam functions
The gold price in Assam depends on several local and global factors. Regional demand rises during wedding seasons and major festivals. Import duties, currency exchange rates, and international gold markets also play a role. When these factors shift, rates like the local 20-carat gold rate change accordingly.
Gold purity is measured in karats. While 24 karat gold represents purest form of gold, the 20-carat gold rate represents gold that is about 83.3 per cent pure.
Most jewellery in India ranges between 18 and 22 karats. The 20-carat gold rate in Assam typically falls between the 18-carat and 22-carat rates. Lenders use this rate to assess the value of your pledged jewellery.
A small change in market price can affect your assessed loan amount:
Market change | Impact on assessed value (50 grams) |
Fall by 3% | Lower assessed value |
No change | Standard assessed value |
Rise by 3% | Higher assessed value |
This difference can help or hinder your ability to reach the Rs. 1,00,000 eligibility mark for the Gold Loan Carnival. Tracking the gold price in Assam before you pledge can help you time your application. If the 20-carat gold rate is climbing, waiting a few days might increase your loan offer. If it is falling, acting quickly can lock in a better value.
How changes in price affect the online gold loan value
Bajaj Finance uses the 30-day moving average of IBJA gold rates or the previous day's closing price to ensure fair valuation. The Reserve Bank of India sets a maximum loan-to-value ratio for gold loans. This means the loan amount cannot exceed a certain percentage of the gold's assessed value.
Suppose you have 60 grams of 20-carat gold. If the 20-carat gold rate in Assam is stable, your assessed value might qualify you for a loan of around Rs. 95,000. If the rate falls by 5%, your assessed value drops, and your loan offer might fall to around Rs. 90,000. However, if the gold price in Assam rises by 5%, your assessed value climbs and your loan offer might reach Rs. 1,00,000 or more. Timing your pledge when the 20-carat gold rate is favourable can make a real difference.
Why apply for a Bajaj Finserv Gold Loan
Bajaj Finserv Gold Loan offers a range of features that make borrowing against gold convenient and secure. Here are the key highlights:
Your loan amount is credited to your bank account instantly after approval.
No credit score dependency. Just basic KYC documents and your gold jewellery.
Your pledged gold is insured against theft or loss while in custody.
Borrow between Rs. 5,000 and Rs. 2 crore based on your gold's value.
Repay part of your loan and take back some of your jewellery before the loan ends.
Pay off your loan early or in full without any penalty costs.
Choose monthly, bi-monthly, quarterly, half-yearly, or annual interest payments.
Apply online or visit any of 1100+ branches across India.
For borrowers in Assam, these benefits mean quick access to funds for emergencies, education, medical needs, or home expenses. And if you meet the Carnival's eligibility requirements, it adds extra value.
Smart borrowing starts with understanding your gold's value and choosing a trusted lender. With the offer running until 28 February 2026, you have time to plan your application. Keep an eye on the gold price in Assam and the 20-carat gold rate. Use the Bajaj Finserv Gold Loan calculator to estimate your loan amount, and then apply online or visit a branch near you to see if you qualify for the Carnival rewards.