Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Bikaner
Gold has always been a reliable financial asset in Bikaner, appreciated for its stability. Now, you can use your gold to get a loan for urgent needs without selling it. Whether it's for education, business growth, or personal use, a gold loan from Shriram Finance is the perfect solution. With quick approvals, minimal paperwork, and flexible terms from 1 to 12 months, we ensure a smooth experience. Our competitive interest rates start as low as 10%* per annum, letting you access funds while keeping your gold secure. We offer loans up to 75%* of your gold's market value, ensuring you get the best value for your asset. Our process includes fast disbursal and the convenience of paying interest only for the period you use the loan. To track your application, visit our website and enter your reference number. For live updates or help, our customer care team is always ready to assist. Applying for a gold loan in Bikaner with us is a smart way to meet your financial goals without touching your savings. Discover how Shriram Finance can support your financial needs today!
Features and Benefits of Gold Loan in Bikaner
Find details on the features of gold loan from Shriram Finance that are available in Bikaner in the section below.
Minimal Documentation:
Get funds with ease through a minimal documentation process. This streamlined approach ensures you can access your loan quickly without unnecessary paperwork.
Flexible Tenure:
Repay the loan whenever required, with a minimum term of one month and a maximum of one year. This flexibility allows you to align repayments with your financial plans.
Borrow Smartly:
Interest is charged only for the duration you use the loan. This feature helps you save on costs by paying interest only for the period the loan is active.
Quick Approval:
Benefit from a smooth and quick loan approval process with minimal paperwork. Our efficient system ensures prompt access to funds when you need them most.
Maximum Finance:
Obtain up to 75%* of your pledged gold's market value as a loan. This allows you to leverage your gold effectively while keeping it safe.
Low Rate of Interest:
Gold loan interest rates start at 10%* p.a., making borrowing cost effective and affordable. Whether it's for personal needs, education, or business expansion, our gold loans are tailored to support your goals.
Gold Loan Interest Rates in Bikaner
| 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 Bikaner
Address Proof:
Aadhaar Card, Passport, Driver's License, 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 Bikaner
Applying gold loan in Bikaner 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 Bikaner
Gold Loan Customer Care in Bikaner
Toll Free
Gold Loan Status in Bikaner
Easily track the status of your gold loan application with Shriram Finance by entering your reference number on our website. This convenient online feature allows you to stay updated on your loan progress at any time. For immediate assistance or further queries, our dedicated customer care team is always ready to help. Apply for a gold loan in Bikaner today and experience quick approvals, competitive interest rates, and a hassle free process with Shriram Finance!
Gold Loan FAQs
Can I apply for a gold loan online in Bikaner?
Yes, applying for a gold loan online is quick and easy. Use our website or mobile app to get started.
What is the interest rate on gold loans in Bikaner?
The starting interest rate is 10%* p.a., but the final rate depends on the market value of the gold you pledge.
What is the tenure for a gold loan in Bikaner?
You can choose a tenure between 1 month and 12 months based on your repayment preference.
Can I get a gold loan for any type of gold in Bikaner?
Shriram Finance provides gold loans for ornaments and coins ranging from 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Bikaner?
The loan amount is determined based on your gold's value, with financing available up to 75%* of the pledged gold.
What documents are required to apply for a gold loan in Bikaner?
You will need address proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/Utility Bills) and identity proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/PAN Card).
Are there any prepayment penalties on gold loans in Bikaner?
Shriram Finance generally does not charge prepayment penalties, allowing you to repay early without extra costs. Check your loan agreement for specific details.
How can I check the status of my gold loan application in Bikaner?
Once your application is submitted, our team will review it and update you on the status accordingly.
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.
