Gold has always been more than just a precious metal in India. For most households, gold jewellery is not only an emotional asset but also a financial backup during times of need. In recent years, many families have discovered the practical value of using their gold to access funds through a gold loan. It is a quick and simple way to manage expenses without having to sell your jewellery.At present, Bajaj Finance is running its Prime Loan Festival from 1st August to 31st August 2025, making this the right time to explore how a gold loan can support both planned and unplanned financial needs. Before applying, it is essential to understand how the gold rate impacts your loan and how a gold rate calculator can be a useful tool to guide you in making an informed decision.