Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold loan in Dhanbad
If you're looking for a quick and reliable way to secure funds, a gold loan in Dhanbad from Shriram Finance offers a smart solution. Instead of selling your gold, you can use it as collateral and get a loan with interest rates starting at 10%* p.a. and flexible repayment options ranging from 1 to 12 months. The simple application process and fast approvals ensure you get access to funds when you need them the most. Keep reading to learn how a gold loan can effortlessly help you meet your financial needs.
Features and Benefits of Gold Loan in Dhanbad
Shriram Finance offers gold loan with customer friendly features, ensuring a smooth and hassle free borrowing experience:
Flexible Tenure
Choose a repayment period that suits your needs, with a minimum loan tenure of 1 month. The loan tenure ranges from 1 month to 1 year, providing flexibility to manage your finances effectively.
Minimal Documentation
The loan application process is simple and requires minimal paperwork for your convenience. This ensures that you can secure the funds you need without unnecessary delays or complications.
Borrow Smartly
Pay interest only at the time you utilise the gold loan, ensuring you borrow wisely and keep the overall cost low. This feature makes it a cost effective borrowing option.
Quick Approval
Benefit from fast and efficient loan approval with minimal documentation required. This means you can access the funds you need promptly, which is crucial during times of financial urgency.
Maximum Finance
You can avail up to 75%* of the market value of the gold pledged as security. This allows you to unlock significant value from your gold assets, providing substantial financial support.
Low Rate of Interest
The starting interest rate is 10%* p.a., making the loan an affordable solution for borrowers. This ensures that you get the best value for your gold while keeping your borrowing costs manageable.
Gold Loan Interest Rates in Dhanbad
| 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 Dhanbad
Address Proof
Aadhaar Card, Passport, Driver's License, Electricity Bill, Voter ID, Gas Connection Card, Water 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 Loan in Dhanbad
Applying gold loan in Dhanbad 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 Dhanbad
Gold Loan Customer Care in Dhanbad
Toll Free
Gold Loan Status in Dhanbad
To track your gold loan application in Dhanbad, visit our website and enter your reference number. For real time updates, you can also contact our customer care team. Shriram Finance is here to provide you with seamless support throughout the process. Whether you're applying for a gold loan or checking your application status, we're committed to making your experience smooth and hassle free. Secure your gold loan in Dhanbad with Shriram Finance and benefit from our dedicated customer service. Reach out to us today for any assistance you need!
Gold Loan FAQs
Can I apply for a gold loan online in Dhanbad?
Yes, you can apply for a Shriram Gold Loan online by visiting our official website or using the mobile application.
What is the interest rate on gold loan in Dhanbad?
Gold loan interest rates start from 10%* p.a. The final rate is subject to the market value of the pledged gold.
What is the tenure for a gold loan in Dhanbad?
The tenure for gold loan ranges between 1 month and 12 months, giving you repayment flexibility.
Can I get a gold loan for any type of gold in Dhanbad?
Shriram Finance offers gold loan against jewellery and coins of 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Dhanbad?
You can avail of a loan of up to 75%* of your pledged gold's current market value.
What documents are required to apply for a gold loan in Dhanbad?
Applicants must provide identity proof (Driver's Licence/Aadhaar Card/Passport/Voter ID/PAN Card) and address proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/Utility Bills).
Are there any prepayment penalties on gold loan in Dhanbad?
Shriram Finance generally does not charge prepayment penalties, but borrowers should verify the specific terms in their loan agreement.
How can I check the status of my gold loan application in Dhanbad?
Once you have applied, our representatives will process your request and notify you about the status of 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.
