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Get High Value for your Gold with Shriram Finance Gold Loan
  • Interest Rates
    Interest Rates Now Starting Only at 10%*
  • Quick Loan Disbursal
    Quick Loan Disbursal
  • Flexible Repayment
    Flexible Repayment options
  • No Credit Check
    No Credit Check Required
Gold Loan

Apply for a Gold Loan from Your Trusted Partner for Over 45 Years

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Gold Loans in Ayodhya

Gold has always held great significance in Ayodhya, not just as an asset but as a symbol of prosperity and tradition. Families here have cherished gold for generations, passing it down as a sign of security and stability. Beyond its cultural and emotional value, gold also serves as a practical financial resource, helping individuals manage urgent monetary needs without parting with their precious assets. A gold loan is a simple way to access funds by pledging gold jewellery as collateral. It provides immediate liquidity, making it an ideal option for handling unexpected expenses, business investments, medical emergencies, or educational costs. Instead of selling your gold, you can leverage its value while retaining ownership, ensuring financial flexibility without long term commitments. At Shriram Finance, we offer gold loans in Ayodhya with customer friendly terms, ensuring quick and easy access to funds. Our flexible repayment options, ranging from 1 to 12 months, allow you to choose a tenure that suits your financial situation. With competitive interest rates starting at 10%* p.a., borrowing remains affordable. Our simple online process and minimal documentation make applying for a loan hassle free. Plus, we prioritise quick approval, ensuring you receive funds when you need them the most. If you are looking for a reliable and efficient way to unlock the value of your gold, Shriram Finance is here to help. Apply today and secure a gold loan with ease, benefiting from convenient terms and a trusted financial partner.

Features and Benefits of Gold Loans in Ayodhya

Shriram Finance offers gold loans in Ayodhya with customer friendly features to ensure a hassle free borrowing experience. Our gold loan solutions provide easy access to funds while allowing you to retain ownership of your gold.

Minimal Documentation

Borrow Smartly

With Shriram Finance, you pay interest only for the period you use the loan. This ensures that you do not have to bear unnecessary costs when repaying your loan early.

Flexible Tenure

Low Rate of Interest

Our gold loans come with competitive interest rates starting at 10%* p.a., making borrowing affordable. This helps you manage your financial needs without excessive repayment burdens.

Borrow Smartly

Flexible Tenure

We offer repayment flexibility ranging from 1 month to 12 months, allowing you to choose a tenure that suits your financial situation. This gives you the convenience to repay comfortably without stress.

Quick Approval

Minimal Documentation

Our loan process requires only essential paperwork, making it simple and hassle free. With minimal documentation, you can get your loan processed quickly without unnecessary formalities.

Maximum Finance

Maximum Finance

You can get a loan of up to 75% of your gold's market value, ensuring maximum financial assistance. This allows you to unlock the true worth of your gold without having to sell it.

Low Rate of Interest

Quick Approval

We provide fast and reliable loan approvals, ensuring that you get funds when you need them the most. With our streamlined process, you can access your loan without delays.

Gold Loan Interest Rates in Ayodhya

At Shriram Finance, gold loan interest rates begin at 10%* p.a. The final rate depends on the market value of your pledged gold. Refer to the details below for applicable fees and charges.
Type of Fees Applicable Charges
Interest RateStarting from 10%* p.a.
Processing FeesUp to 5%
Late Payment Fees36%* p.a. on the Overdue Amount
Foreclosure ChargesNIL

How to Use the Gold Loan EMI Calculator

Determine your monthly instalments using our Gold Loan EMI Calculator by entering the loan amount, interest rate, and tenure. Modify the loan amount and repayment period to find an EMI that fits your budget. This tool allows you to compare loan options, plan your finances wisely, and make well informed choices. It ensures accuracy, saves time, and simplifies loan management.
STEP 01
Required loan amount
STEP 02
Interest rate
%
STEP 03
Tenure up to
month
Loan Summary
Loan

Loan

Loan Amount

₹5000

Interest Payable

₹ 42

Monthly EMI

₹ 5,042

Eligibility and Documentation Criteria for Gold Loans in Ayodhya

The eligibility criteria for availing gold loans are as follows:
  • Address Proof

    Address Proof

    Aadhaar Card, Passport, Driver's Licence, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.

  • Identity Proof

    Identity Proof

    Aadhaar Card, Driver's Licence, Passport, 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 Ayodhya

Our easy to apply process will help you get a gold loan quickly in 4 steps:

How to apply
  • Step 1:

    Register using your phone number.

  • Step 2:

    Receive a verification call from us.

  • Step 3:

    Visit our branch with your gold assets.

  • Step 4:

    Complete verification and receive the loan amount.

Our Gold Loan Branches in Ayodhya

For dependable gold loan services in Ayodhya, you can easily find and visit your closest Shriram Finance branch. Our online branch locator tool is readily available to help you find the nearest branch.

Locate Us

or

  • Andhra pradesh
  • Assam
  • CHHATTISGARH
  • DELHI
  • Gujarat
  • Haryana
  • Himachal Pradesh
  • KARNATAKA
  • Kerala
  • MAHARASHTRA
  • Madhya pradesh
  • Odisha
  • Punjab
  • Punjab/Haryana
  • Rajasthan
  • Tamil Nadu
  • Telangana
  • UTTAR PRADESH
  • UTTRAKHAND
  • West Bengal

Gold Loan Customer Care in Ayodhya

If you have any inquiries or require assistance concerning gold loans in Ayodhya, our dedicated customer care team at Shriram Finance is readily available to provide support. You may contact us by telephone to speak with our knowledgeable representatives who will address your queries. Check our customer care numbers below:

Gold Loan Status in Ayodhya

To check your gold loan application status, visit our website and enter your reference number. You can also contact our customer support for real time updates. Experience the ease of Shriram Finance's gold loan services in Ayodhya.

Gold Loan FAQs

Can I apply for a gold loan online in Ayodhya?

Yes, you can apply online by visiting Shriram Finance's official website or mobile app.

What is the interest rate on gold loans in Ayodhya?

Gold loan interest rates offered by Shriram Finance start from 10%* p.a. The final rate is based on the market value of your pledged gold.

What is the tenure for a gold loan in Ayodhya?

You can choose a loan tenure from 1 month to 12 months.

Can I get a gold loan for any type of gold in Ayodhya?

Shriram Finance offers loans against gold jewellery and coins with a purity between 18 to 22 carats.

Is there a maximum or minimum limit for a gold loan in Ayodhya?

The loan amount depends on your gold's market value, with up to 75% of that amount available.

What documents are required to apply for a gold loan in Ayodhya?

You will need identity proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) and address proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, or utility bills).

Are there any prepayment penalties on gold loans in Ayodhya?

Shriram Finance typically does not charge prepayment penalties, allowing you to repay early without extra costs. Please check your loan agreement for specific terms.

How can I check the status of my gold loan application in Ayodhya?

Once you apply, our team will review your profile and provide updates regarding your loan application.

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.