Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold loan in Bhubaneswar
Do you need money fast? A gold loan in Bhubaneswar from Shriram Finance could be the answer. It's a simple way to use your gold to get the cash you need. Instead of selling your gold jewellery or coins, you can use them to get a loan. At Shriram Finance, we make it easy to apply for a gold loan, ensuring you get the money quickly and efficiently. Our streamlined process involves minimal documentation, allowing you to access funds without unnecessary delays. We offer flexible repayment options, making it convenient for both individuals and businesses in Bhubaneswar who need money fast. Shriram Finance understands the unique needs of Bhubaneswar residents and provides loan tenures ranging from 1 month to 1 year. Our competitive interest rates start at just 10%* p.a., making it an affordable option for accessing funds. Whether you need money for personal expenses, business investments, or urgent financial needs, our gold loan services are designed to meet your requirements. We value our customers and strive to offer tailored financial solutions that are both dependable and accessible. Contact Shriram Finance today to learn more about how our gold loan services in Bhubaneswar can help you achieve your financial goals. Our dedicated team is ready to assist you every step of the way.
Features and Benefits of Gold Loan in Bhubaneswar
Explore the key features of Shriram Finance Gold Loan, designed to offer financial flexibility and quick access to funds:
Quick Approval
Fast and efficient loan approval with minimal documentation required. Our streamlined process ensures you receive the funds you need without unnecessary delays.
Maximum Finance
You can borrow up to 75%* of your pledged gold's market value. This high loan to value ratio provides substantial financial support based on your gold's worth.
Minimal Documentation
Enjoy a hassle free process with minimal paperwork required for the loan application. We keep documentation requirements to a minimum, ensuring a smooth and efficient experience.
Flexible Tenure
You have the freedom to pay back your loan within a flexible duration, with a minimum period of 1 month. Loan tenures range from 1 month to 1 year, allowing you to choose a repayment schedule that suits your needs.
Borrow Smartly
Pay interest only for the time the gold loan is used, keeping the cost lower. This means you only incur interest costs for the duration you actually utilise the loan.
Low Rate of Interest
Interest rates begin at 10%* p.a., offering a competitive option for borrowers. Our affordable rates ensure that your borrowing costs remain manageable.
Gold Loan Interest Rates in Bhubaneswar
| 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 loan in Bhubaneswar
Address Proof
Aadhaar Card, Electricity Bill, Prepaid Mobile Bill, Passport, Driver's License, Voter ID, Gas Connection Card, Water 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 Loan in Bhubaneswar
Applying gold loan in Bhubaneswar 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 Bhubaneswar
Gold Loan Customer Care in Bhubaneswar
Toll Free
Gold Loan Status in Bhubaneswar
Check the status of your gold loan application by entering your reference number on our website. For instant updates, connect with our customer care team. Apply for a gold loan in Bhubaneswar with Shriram Finance now.
Gold Loan FAQs
Can I apply for a gold loan online in Bhubaneswar?
Yes, you can apply for a Shriram Gold Loan online through our website or by using our mobile app.
What is the interest rate on gold loan in Bhubaneswar?
Gold loan interest rates begin at 10%* p.a. The final applicable rate depends on the gold's market valuation.
What is the tenure for a gold loan in Bhubaneswar?
You can choose a flexible loan tenure ranging from 1 month to a maximum of 12 months.
Can I get a gold loan for any type of gold in Bhubaneswar?
Shriram Finance offers gold loan against jewellery and coins that are between 18 and 22 carats.
Is there a maximum or minimum limit for a gold loan in Bhubaneswar?
The maximum loan amount is based on your gold's value, with up to 75%* financing available.
What documents are required to apply for a gold loan in Bhubaneswar?
Applicants need to submit identity proof (Passport/Driver's Licence/Voter ID/Aadhaar Card/PAN Card) and address proof (Aadhaar Card/Driver's Licence/Voter ID/Passport/Utility Bills).
Are there any prepayment penalties on gold loan in Bhubaneswar?
Shriram Finance does not usually impose prepayment penalties, but it is recommended to check your loan terms for details.
How can I check the status of my gold loan application in Bhubaneswar?
Once your application is processed, our team will review it and provide updates on your loan 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.
