Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Basti
Gold has been an integral part of traditions in Basti, valued not only for its beauty but also for the financial security it provides. Families here have long considered gold a dependable asset, preserving it for future needs. Beyond its cultural and personal significance, gold can serve as a valuable financial tool, offering immediate liquidity during times of need. A gold loan allows individuals to pledge their gold jewellery in exchange for funds, providing a simple and efficient way to manage urgent expenses. Whether it is for medical bills, business expansion, education fees, or other personal financial requirements, a gold loan ensures quick access to cash without selling your precious gold. It is a practical solution that offers financial flexibility while keeping your gold ownership intact. At Shriram Finance, we offer gold loans in Basti with convenient terms designed to meet your needs. Our flexible repayment options, ranging from 1 to 12 months, give you the freedom to repay at your convenience. With competitive interest rates starting at 10%* p.a., borrowing remains affordable. Our minimal documentation requirement and simple online application process make securing a loan hassle free. Plus, we ensure quick approval, helping you access funds without delays. If you are looking for a reliable financial solution, Shriram Finance is here to assist you. Apply for a gold loan today and make the most of your gold's value while enjoying a seamless borrowing experience.
Features and Benefits of Gold Loans in Basti
At Shriram Finance, we provide gold loans in Basti with a seamless borrowing experience, ensuring you get funds quickly while keeping your gold safe. Our loan features are designed to offer convenience, flexibility, and affordability.
Borrow Smartly
Pay interest only for the period you use the loan, helping you manage your repayments efficiently. This way, you avoid unnecessary interest charges when repaying early.
Low Rate of Interest
Our gold loans start at 10%* p.a., making borrowing more affordable. This ensures that you can meet your financial needs without excessive interest costs.
Flexible Tenure
Choose a repayment period ranging from 1 month to 12 months based on your financial capacity. This flexibility allows you to plan your repayments comfortably.
Minimal Documentation
We require only basic paperwork, ensuring a smooth and hassle free loan process. This makes it easier for you to access funds without lengthy formalities.
Maximum Finance
Get up to 75% of your gold's market value, providing substantial financial support. You can make the most of your gold's value without selling it.
Quick Approval
Our fast processing ensures that you receive your loan without unnecessary delays. This allows you to meet urgent financial needs promptly.
Gold Loan Interest Rates in Basti
| 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 Basti
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
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 Basti
Our 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 us.
Step 3:
Visit our branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Basti
Gold Loan Customer Care in Basti
Toll Free
Gold Loan Status in Basti
Keeping you informed about the progress of your application is a priority at Shriram Finance. For your convenience, you can easily monitor its status online by utilising the unique reference number. You may also reach out to our dedicated customer care team is readily available to provide you with the latest information.
Gold Loan FAQs
Can I apply for a gold loan online in Basti?
Yes, you can apply for a gold loan online with Shriram Finance using our website or mobile app.
What is the interest rate on gold loans in Basti?
Interest rates start from 10%* p.a. The final rate depends on the market value of your pledged gold.
What is the tenure for a gold loan in Basti?
You can choose a loan repayment tenure from 1 month to 12 months.
Can I get a gold loan for any type of gold in Basti?
Shriram Finance provides loans against gold jewellery and coins with a purity from 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Basti?
The loan amount is determined based on the gold's market value, allowing financing up to 75% of its worth.
What documents are required to apply for a gold loan in Basti?
You 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 Basti?
Shriram Finance generally does not charge prepayment penalties, allowing you to repay the loan early without extra costs. However, you should confirm the specific terms in your loan agreement.
How can I check the status of my gold loan application in Basti?
After applying, you can track your application status online using your reference number or contact our customer support team.
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.
