Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Aligarh
Aligarh is a city with thriving industries and a rich cultural heritage. It has a strong tradition of gold ownership. Instead of selling your gold, you can use it as collateral to secure a gold loan in Aligarh, giving you access to instant funds for any financial need. At Shriram Finance, we offer a seamless loan process with minimal paperwork and quick approvals. This ensures that you get funds without unnecessary delays. With flexible repayment tenures from 1 month to 12 months and competitive interest rates starting at 10%* p.a., you can manage your financial needs with ease. Find out how a gold loan can provide the financial flexibility you need.
Features and Benefits of Gold Loan in Aligarh
Find details on the features of the gold loan from Shriram Finance that are available in Aligarh in the section below:
Flexible Tenure
Repay the loan whenever needed, with a minimum tenure of one month and a maximum of 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 quick and straightforward, requiring minimal paperwork. This means you can enjoy a hassle free experience with fast and easy processing, saving you time and effort.
Borrow Smartly
Interest applies only to the period you utilise the gold 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
Experience fast loan processing 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
Secure 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
Gold loan interest rates begin 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 Aligarh
| 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 Aligarh
Address Proof
Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile 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 Aligarh
Applying gold loan in Aligarh can be done 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 Aligarh
Gold Loan Customer Care in Aligarh
Toll Free
Gold Loan Status in Aligarh
Check your gold loan application status by visiting our website and entering your reference number. For real time updates and assistance, reach out to our customer care team. Choose Shriram Finance for a gold loan in Aligarh and experience a seamless and efficient loan process tailored to your needs.
Gold Loan FAQs
Can I apply for a gold loan online in Aligarh?
Yes, applying for a gold loan online is quick and easy. Use our website or mobile app to get started.
What is the interest rate on gold loans in Aligarh?
The starting interest rate is 10%* p.a., but the final rate depends on the market value of the gold you pledge.
What is the tenure for a gold loan in Aligarh?
You can choose a tenure between 1 month and 12 months based on your repayment preference.
Can I get a gold loan for any type of gold in Aligarh?
Shriram Finance provides gold loans for ornaments and coins ranging from 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Aligarh?
The loan amount is determined based on your gold's value, with financing available up to 75%* of the pledged gold.
What documents are required to apply for a gold loan in Aligarh?
You will need identity proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/PAN Card) and address proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/Utility Bills).
Are there any prepayment penalties on gold loans in Aligarh?
Shriram Finance generally does not charge prepayment penalties, allowing you to repay early without extra costs. Check your loan agreement for specific details.
How can I check the status of my gold loan application in Aligarh?
Once your application is submitted, our team will review it and update you on the status accordingly.
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.
