Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Achlapur
Are you living in Achlapur and need access to funds to fulfil a pressing need? Do you own gold items that could help you to reach your objectives? Taking out a Gold Loan in Achlapur from Shriram Finance provides a dependable and accessible way to release the value held within your gold. Instead of choosing to sell your treasured gold jewellery or coins, you have the option of utilising their value to address any immediate financial demands. Shriram Finance is known for being a trustworthy financial institution, and it provides accessible gold loan services starting at just 10%* p.a., specifically designed to meet your needs. With a range of repayment options and appealing interest rates, taking out a Gold Loan in Achlapur could be the perfect solution to meet your financial needs. The team at Shriram Finance prides themselves on keeping the loan application process straightforward, making it simple for residents to get access to the funds that they require.
Features and Benefits of Gold Loans in Achlapur
Opting for a Shriram Gold Loan in Achlapur unlocks a range of advantageous features:
Interest Optimisation
You only pay interest for the time that you are using the loan.
Swift Loan Approval
Experience a fast and efficient loan approval process, ensuring you receive the funds you need without unnecessary delays.
Optimised Loan to Value Ratio
Borrow as much as 75% of the true value of your gold.
Competitive Interest Rates
Benefit from competitive interest rates, starting from 10%* per year.
Flexible Repayment Options
Decide how you want to make the repayments, making the loan straightforward and manageable. Our minimum loan duration is 1 month, and our maximum loan duration is 1 year.
Simplified Documentation
Our hassle free application process requires minimal paperwork.
Gold Loan Interest Rates in Achlapur
| Type of Fees | Applicable Charges |
|---|---|
| Interest Rate | Starting from 10%* p.a. |
| Processing Fees | Up to 5% |
| Late Payment Fees | 36%* p.a. on the Overdue Amount |
| Foreclosure Charges | NIL |
How to Use the Gold Loan EMI Calculator
Loan
Loan Amount
₹5000
Interest Payable
₹ 42
Monthly EMI
₹ 5,042
Eligibility and Documentation Criteria for Gold Loans in Achlapur
Proof of Address:
Any one of the following: Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Proof of Identity:
Any one of the following: Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card. (If you do not have a PAN Card, you can submit Form 60). Age Requirement: Applicants must be between 18 and 75 years* of age. Applicant Type: Individuals who are salaried, self employed, professionals, business owners, and others, are eligible to apply.
Step by Step Application Process for Gold Loans in Achlapur
Here are the 4 steps to getting a loan with us:
Step 1:
Register using your phone number.
Step 2:
Receive a verification call from them.
Step 3:
Visit their branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Achlapur
Gold Loan Customer Care in Achlapur
Toll Free
Gold Loan Status in Achlapur
Track your gold loan application status effortlessly online by simply inputting your unique reference number on our secure website portal. For immediate status updates, our professional support team is available to assist you via phone or email. If you're considering a gold loan in Achlapur, Shriram Finance provides a hassle free and efficient application process designed with your convenience in mind. Our gold loans feature loan to value ratios of up to 75%, ensuring you receive maximum value for your gold assets. We offer loan tenures ranging from 3 months to 36 months, providing flexibility based on your repayment capacity. Our transparent fee structure means no hidden charges or unexpected costs during your loan term.
Gold Loan FAQs
Can I apply for a gold loan online in Achlapur?
Absolutely! Shriram Finance offers a convenient online application process for gold loans in Achlapur. Visit our official website or download our mobile app to start your application. You can complete the entire process digitally, saving time and avoiding unnecessary branch visits.
What is the interest rate on gold loans in Achlapur?
Our gold loan interest rates start from 10%* per annum. The final rate depends on the market value of the gold you pledge, the loan amount, and current market conditions. We offer transparent and competitive rates tailored to your specific financial needs.
What is the tenure for a gold loan in Achlapur?
We provide flexible loan tenures ranging from 1 month to 12 months. Choose a repayment period that best suits your financial situation. You can also discuss prepayment or tenure extension options with our loan counsellors.
Can I get a gold loan for any type of gold in Achlapur?
Shriram Finance accepts gold ornaments and coins between 18 to 22 carats. Our expert team will carefully evaluate the purity and weight of your gold to determine the loan amount you qualify for.
Is there a maximum or minimum limit for a gold loan in Achlapur?
We offer loans up to 75% of your gold's current market value. The loan amount is directly linked to the quantity and quality of gold you pledge as security. Our transparent valuation ensures you get the maximum possible loan.
What documents are required to apply for a gold loan in Achlapur?
You typically need identity proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/PAN Card), and address proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/Gas Connection Card/Water Bill/Electricity Bill/Prepaid Mobile Bill/Landline Bill).
Are there any prepayment penalties on gold loans in Achlapur?
Shriram Finance typically does not impose prepayment penalties on gold loans. This allows you to prepay your loan without incurring extra charges, potentially reducing the overall interest you pay. However, it's essential to confirm the specific terms and conditions in your loan agreement to ensure there are no prepayment penalties applicable to your loan
How can I check the status of my gold loan application in Achlapur?
After completing the registration process, representatives will evaluate your profile and revert back to you regarding your gold loan.
Disclaimer
The information provided in this guide is for educational purposes only and should not be considered financial advice. Always consult with a financial advisor before making investment decisions related to fixed deposits or any other financial products.
