Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Dhamtari
Are you a resident of Dhamtari seeking a reliable and convenient way to support your agricultural needs, small business, or personal needs? Do you possess gold jewellery that you could use as security to access vital funds? A Gold Loan in Dhamtari from Shriram Finance provides a secure and readily accessible solution to unlock the financial potential held within your valuable gold possessions, without the stress and uncertainty of selling those cherished family treasures. Shriram Finance understands the unique economic landscape of Dhamtari, particularly the importance of agriculture to the local community, and we are proud to offer tailored gold loan services to meet the diverse financial requirements of our valued customers. We are committed to combining modern financial solutions with the enduring values of trust, reliability, and community support. With transparent processes, manageable repayment options tailored to agricultural cycles, and competitive interest rates, a Gold Loan in Dhamtari from Shriram Finance can be the ideal financial instrument to help you achieve your individual goals, support your family, enhance your farming operations, and contribute to the ongoing prosperity of our community.
Features and Benefits of Gold Loans in Dhamtari
Choosing a Gold Loan with Shriram Finance in Dhamtari offers a range of compelling benefits, specifically designed with your needs and agricultural cycles in mind:
Maximise the Financial Power of your Gold
Secure a loan of up to 75% of the current market value of your gold ornaments and jewellery.
Access Fair and Affordable Interest Rates
Our interest rates starts from just 10%* per annum, ensuring that the overall cost of your borrowing remains manageable, predictable, and transparent.
Flexible Repayment Plans
We work with you to create a repayment schedule that perfectly aligns with your income, your seasonal agricultural cycles, and your individual financial circumstances.
Simple Application Process
Experience a streamlined and efficient application process with minimal paperwork, designed to respect your time and simplify access to the funds you need.
Borrow Smartly and Pay Only for What You Use
Pay interest only for the precise duration that you utilise the gold loan. This enables you to borrow responsibly and cost effectively.
Fast and Reliable Loan Approval
Benefit from our swift loan approval process, ensuring that you receive the funds you require quickly and efficiently.
Gold Loan Interest Rates in Dhamtari
| 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 Dhamtari
Proof of Address
Any one of the following: Aadhaar Card, Passport, Driver's Licence, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Proof of Identity
Any one of the following: Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card (If you don't have a PAN Card, you can submit Form 60). Age You must be between 18 and 75 years old. Who Can Apply Anyone who is employed, self employed, a business owner, or other individuals.
Step by Step Application Process for Gold Loans in Dhamtari
Getting a gold loan from Shriram Finance in Dhamtari is a simple, four step process:
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 Dhamtari
Gold Loan Customer Care in Dhamtari
Toll Free
Gold Loan Status in Dhamtari
Stay updated on the status of your gold loan application in Dhamtari. Visit our website and enter your application reference number to see how it's progressing or contact our customer care team for updates.
Gold Loan FAQs
Can I apply for a gold loan online in Dhamtari?
Yes, you can apply for a gold loan online. Visit our website or mobile app to apply for Shriram Gold Loan.
What is the interest rate on gold loans in Dhamtari?
The interest rate starts from 10%* p.a. However, the final gold loan interest rates offered by the lender may depend on the market value of the gold pledged as security.
What is the tenure for a gold loan in Dhamtari?
You can choose a loan tenure starting from 1 month up to 12 months.
Can I get a gold loan for any type of gold in Dhamtari?
Shriram Finance provides gold loans for 18 to 22 carats gold ornaments and coins.
Is there a maximum or minimum limit for a gold loan in Dhamtari?
The loan amount will depend on your gold. Loans up to 75% of your gold value are offered.
What documents are required to apply for a gold loan in Dhamtari?
You typically need identity proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/PAN Card), and address proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/Gas Connection Card/Water Bill/Electricity Bill/Prepaid Mobile Bill/Landline Bill).
Are there any prepayment penalties on gold loans in Dhamtari?
Shriram Finance typically does not impose prepayment penalties on gold loans. This allows you to prepay your loan without incurring extra charges, potentially reducing the overall interest you pay. However, it's essential to confirm the specific terms and conditions in your loan agreement to ensure there are no prepayment penalties applicable to your loan
How can I check the status of my gold loan application in Dhamtari?
After completing the registration process, representatives will evaluate your profile and revert back to you regarding your gold loan.
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.
