Gold Loans in Agra
In a historic city like Agra, gold is more than just an asset-it's an investment that holds significant cultural and financial value. A gold loan in Agra allows you to access funds instantly without the need to sell your precious gold jewellery, preserving your valuable assets while meeting your financial requirements. With Shriram Finance, you can benefit from a streamlined loan process that ensures quick approvals and minimal paperwork. Our flexible repayment options allow you to choose a tenure that suits your financial situation, ranging from 1 to 12 months. This flexibility helps you manage your repayments comfortably and without stress. Our competitive interest rates starting at 10%* p.a. make borrowing against your gold cost effective, ensuring that you get the best possible terms for your loan. Shriram Finance is committed to providing transparent and reliable financial solutions, with no hidden charges and a straightforward application process. By opting for a gold loan with Shriram Finance in Agra, you can enjoy the convenience of accessing funds quickly while keeping your gold jewellery safe and secure. Our dedicated customer care team is always available to assist you, ensuring a smooth and hassle free experience. Explore how a gold loan from Shriram Finance can support your financial needs in Agra. Read on to understand how a gold loan can be the perfect way to manage your financial needs.
Features and Benefits of Gold Loans in Agra
In Agra, the features of the gold loan provided by Shriram Finance are detailed as follows:
Flexible Tenure
Repay your loan at your convenience, with a tenure ranging from one month to one year. This flexibility allows you to choose a repayment schedule that best fits your financial situation, ensuring you can manage your finances without undue stress.
Minimal Documentation
The loan process is designed to be straightforward, requiring minimal paperwork. This means you can enjoy a hassle free experience with quick and easy processing, saving you time and effort.
Borrow Smartly
Interest is applicable only for the period you utilise the loan. This feature ensures that you only pay interest for the duration you actually need the loan, making it a cost effective borrowing option.
Quick Approval
Receive quick loan approvals with minimal documentation. This ensures that you can access the funds you need promptly, without unnecessary delays, making it ideal for urgent financial requirements.
Maximum Finance
Get a loan of up to 75%* of your pledged gold's market value. This allows you to unlock a significant portion of your gold's value, providing you with substantial funds based on the current market rate.
Low Rate of Interest
Interest rates start at 10%* p.a. This competitive rate ensures that borrowing against your gold remains affordable, helping you manage your finances efficiently.
Gold Loan Interest Rates in Agra
| 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 Agra
Address Proof
Passport, Prepaid Mobile Bill, Aadhaar Card, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, or Landline Bill.
Identity Proof
Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card (In case you do not have a PAN Card, you can submit Form 60). Age 18* to 75* years. Who can apply? Salaried, self employed, self employed professionals, business owners, and other individuals.
Step by Step Application Process for Gold Loans in Agra
Their easy to apply process will help you get a gold loan quickly in 4 steps:
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 Agra
Gold Loan Customer Care in Agra
Toll Free
Gold Loan Status in Agra
To check the status of your gold loan application, visit our website and enter your application reference number. You can also contact customer care for real time updates. Choose Shriram Finance and easily apply for a gold loan in Agra.
Gold Loan FAQs
Can I apply for a gold loan online in Agra?
Yes, you can apply for a gold loan online. Visit our website or mobile app to apply for Shriram Gold Loan.
What is the interest rate on gold loans in Agra?
The interest rate starts from 10%* p.a. However, the final gold loan interest rates offered by the lender may depend on the market value of the gold pledged as security.
What is the tenure for a gold loan in Agra?
You can choose a loan tenure starting from 1 month up to 12 months.
Can I get a gold loan for any type of gold in Agra?
Shriram Finance provides gold loans for 18 to 22 carats gold ornaments and coins.
Is there a maximum or minimum limit for a gold loan in Agra?
The loan amount you can receive will depend on the value of your gold. Shriram Finance offers loans up to 75%* of your gold's market value, ensuring you get substantial funds based on the current market rate.
What documents are required to apply for a gold loan in Agra?
You typically need identity proof (Driver's Licence/Aadhaar Card/Passport/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 Agra?
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 Agra?
After completing the registration process, representatives will evaluate your profile and get 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.
