Maintain a steady income: Maintaining a steady income can bolster an application process for a gold loan. While some lenders may demand income proof, Bajaj Finance solely requests any one of the borrowers KYC documents. These include the Aadhaar Card, Voter ID card, passport, driving licence, NREGA job card, or a letter from the National Population Registration. Anyone can apply for a Bajaj Finserv Gold Loan, if they are Indian citizens aged between 21-70 years, without requiring income proof.