Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Bharuch
Gold has long been a symbol of prosperity and wealth in Bharuch, where families often hold onto gold jewellery as both an emotional and financial asset. However, when an unexpected financial situation arises, many individuals prefer not to part with their valuable gold but to leverage it instead to meet immediate needs. This is where gold loans come into play, offering a practical solution to access cash without losing ownership of your treasured possessions. Shriram Finance offers gold loans in Bharuch, enabling residents to unlock the value of their gold and access funds quickly. Whether you're facing a medical emergency, managing urgent expenses, or funding education, our gold loan options provide the flexibility and support you need. With competitive interest rates starting at 10% p.a., our loans are affordable and designed to help you manage your financial commitments. What sets Shriram Finance apart is our focus on providing flexible repayment options, with loan tenures ranging from 1 month to 1 year. This allows you to select a repayment schedule that aligns with your financial capacity. Additionally, our application process is simple and requires minimal documentation, ensuring that you can apply for a loan without unnecessary paperwork or delays. For residents of Bharuch, Shriram Finance offers a fast and reliable way to access funds with gold loans. Get in touch with us today to unlock the value of your gold and meet your financial needs with ease.
Features and Benefits of Gold Loans in Bharuch
Explore the features and advantages of gold loans provided by Shriram Finance in Bharuch:
Flexible Tenure
Choose a loan tenure that works for you, ranging from 1 month to 1 year. With flexible repayment terms, you can easily align your loan repayment schedule with your personal or business finances.
Quick Approval
The approval process is fast, ensuring that you get access to your loan funds quickly. This quick approval is ideal for those facing urgent financial situations who need immediate assistance.
Maximum Finance
Get up to 75% of your gold's value through Shriram Finance's gold loans, which means you can access a substantial amount of money when you need it. This high financing ratio makes it easier to cover larger financial obligations.
Minimal Documentation
The application process for a gold loan at Shriram Finance requires minimal paperwork, making the entire process quick and simple. This streamlined approach allows you to access funds without the hassle of extensive documentation.
Low Rate of Interest
Benefit from interest rates starting at 10% p.a. with Shriram Finance, ensuring that your gold loan remains affordable and manageable. This low rate allows you to borrow confidently without worrying about high repayment costs.
Borrow Smartly
With Shriram Finance, you only pay interest for the duration you use the loan, making it a smart way to borrow. This ensures that your borrowing costs are kept to a minimum, reducing the overall financial burden.
Gold Loan Interest Rates in Bharuch
| 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 Bharuch
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, 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 Bharuch
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 Bharuch
Gold Loan Customer Care in Bharuch
Toll Free
Gold Loan Status in Bharuch
Easily track your gold loan status in Bharuch. Simply use your reference number online or reach out to our support team for immediate updates. Choose Shriram Finance for a reliable and efficient gold loan experience in Bharuch.
Gold Loan FAQs
Can I apply for a gold loan online in Bharuch?
Yes, you have the option to apply through our website or the Shriram Finance mobile app, ensuring a speedy and convenient procedure.
What is the interest rate on gold loans in Bharuch?
Our gold loan interest rates commence at 10%* p.a. The precise rate determined by the current market valuation of the gold you pledge.
What is the tenure for a gold loan in Bharuch?
We provide repayment tenures that range from 1 month to 12 months, giving you flexible options.
Can I get a gold loan for any type of gold in Bharuch?
Yes, we offer loans against gold jewellery and coins that have a purity of 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Bharuch?
The loan amount is determined by your gold's current market value, and we can finance up to 75% of that value.
What documents are required to apply for a gold loan in Bharuch?
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, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill).
Are there any prepayment penalties on gold loans in Bharuch?
Shriram Finance generally does not charge prepayment penalties, allowing early repayment without additional costs. However, it's wise to review the loan agreement for exact terms.
How can I check the status of my gold loan application in Bharuch?
You can follow the application progress through online tracking or by contacting our customer care department for updates.
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.
