Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loan in Bathinda
If you need urgent funds but don't want to sell your gold, a gold loan in Bathinda from Shriram Finance is the perfect solution. You can pledge your gold jewellery and access cash with interest rates starting at 10%* p.a. and tenures ranging from 1 to 12 months. The process is quick, with minimal paperwork and fast disbursal, ensuring you get the funds when you need them. Whether for personal expenses, business investments, or unexpected emergencies, your gold can help you meet your financial needs. The minimal documentation required simplifies the application process, making it ideal for urgent financial situations. You won't have to deal with extensive paperwork, allowing you to focus on your immediate financial requirements. By leveraging the value of your gold, you can access up to 75%* of its market value as a loan. This high loan to value ratio ensures you get the best possible value for your gold, providing substantial financial support based on its worth. The flexibility of our loan tenure allows you to repay the loan at your convenience without feeling pressured by rigid schedules. Our competitive interest rates make borrowing cost effective and affordable. The attractive rates ensure that you can manage your loan costs effectively, meeting your financial obligations without undue strain. By choosing a gold loan from Shriram Finance in Bathinda, you can leverage the value of your gold to meet your financial needs without parting with your valuable assets. Explore your loan options and apply with ease today. Our team is here to guide you through the process and ensure that you have a smooth and hassle free experience.
Features and Benefits of Gold Loans in Bathinda
Gold loans from Shriram Finance in Bathinda come with these features:
Maximum Finance
You can secure a loan up to 75%* of your gold's market value with Shriram Finance in Jammu. This means you can access substantial funds based on the value of the gold you pledge as collateral. Whether you need money for personal expenses, business investments, or unexpected emergencies, this high loan to value ratio provides the financial flexibility you need.
Low Rate of Interest
Shriram Finance offers competitive interest rates starting from 10%* p.a. These low rates make borrowing affordable, helping you manage your financial obligations without undue strain. The attractive interest rates ensure that you can repay the loan comfortably, making it easier to meet your financial needs.
Minimal Documentation
The loan process is designed to be hassle free, involving minimal paperwork. This streamlined approach saves time and effort, allowing you to access funds quickly and easily. It's an ideal solution for those who need immediate financial support.
Borrow Smartly
With Shriram Finance, you pay interest only for the period the gold loan is used. This means that if you repay the loan early, you save on interest costs, making it a cost effective borrowing option. This feature allows you to manage your finances more efficiently, ensuring that you only pay for the time the loan is active.
Flexible Tenure
You can repay your loan whenever you want, with a minimum loan duration of 1 month. The loan tenure ranges from 1 month to 1 year, providing you with the flexibility to choose a repayment schedule that best suits your financial situation. This flexibility ensures that you can manage your repayments comfortably, without feeling pressured by rigid schedules.
Quick Approval
Shriram Finance offers reliable and faster loan approvals with minimal documentation. The efficient approval process ensures that you get the funds you need promptly, which is particularly beneficial for urgent financial situations where time is of the essence. The streamlined approval process saves time and effort, allowing you to access funds swiftly.
Gold Loan Interest Rates in Bathinda
| 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 Bathinda
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). Who can apply? Salaried, self employed, self employed professionals, business owners, and other individuals. Age: 18* to 75* years.
Step by Step Application Process for Gold Loans in Bathinda
Getting a gold loan in Bathinda is simple and requires just four easy 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 Bathinda
Gold Loan Customer Care in Bathinda
Toll Free
Gold Loan Status in Bathinda
Track your gold loan application status on our website by entering your reference number. For instant updates, connect with our customer care team. Apply for a gold loan in Bathinda with Shriram Finance today!
Gold Loan FAQs
Can I apply for a gold loan online in Bathinda?
Yes, applying for a gold loan online is simple. Use our website or mobile app to complete the process.
What is the interest rate on gold loans in Bathinda?
The interest rate starts at 10%* p.a. The actual rate is based on the market value of the pledged gold.
What is the tenure for a gold loan in Bathinda?
You can choose a loan tenure ranging from 1 month to 12 months.
Can I get a gold loan for any type of gold in Bathinda?
Shriram Finance provides gold loans for jewellery and coins of 18 to 22 gold carats.
Is there a maximum or minimum limit for a gold loan in Bathinda?
The loan amount depends on your pledged gold's market value, with financing available up to 75%*.
What documents are required to apply for a gold loan in Bathinda?
You need to submit identity proof (Aadhaar Card/PAN Card/Passport/Voter ID/Driving Licence) and address proof (Aadhaar Card/Utility Bills/Passport/Driving Licence).
Are there any prepayment penalties on gold loans in Bathinda?
Shriram Finance does not usually impose prepayment charges, enabling you to repay early without additional costs. Check your loan agreement for full details.
How can I check the status of my gold loan application in Bathinda?
After submission, our representatives will review your details and keep you updated on your application status.
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.
