Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Dharamshala
Looking for a quick and convenient way to access funds in Dharamshala? Gold Loans in Dharamshala could be your perfect solution! Instead of selling your cherished gold jewellery or coins, why not unlock their value to meet your immediate financial needs? With gold loans, you can leverage the worth of your gold assets without parting with them. At Shriram Finance, we pride ourselves on offering gold loan services that cater to your financial requirements. Our application process is smooth and straightforward, ensuring you can get the cash you need without any hassle. What makes us stand out? For starters, we understand the importance of quick disbursal times. You won't be left waiting around for your funds! Plus, we offer flexible repayment options tailored to suit your needs. With tenures ranging from just 1 month to a full 12 months and attractive interest rates starting from 10%* p.a. and we're here to support both individuals and businesses in Dharamshala looking for swift financial assistance. With Shriram Finance, you can unlock the value of your gold quickly and efficiently. Don't let your gold sit idle when it can work for you. Explore our gold loan options today and experience a seamless way to access funds when you need them most. Your financial needs deserve the best solutions-let us help you achieve that!
Features and Benefits of Gold Loans in Dharamshala
Shriram Gold Loans come with many features and benefits:
Flexible Tenure
With Shriram Finance in Guntur, you have the flexibility to choose a repayment period that suits your financial situation. You can select a tenure ranging from a minimum of one month to a maximum of one year. This flexibility allows you to manage your repayments comfortably, without feeling pressured by rigid schedules.
Minimal Documentation
The loan process is designed to be simple and hassle free, requiring very little paperwork. This minimal documentation ensures that you can access the funds you need quickly and without unnecessary delays. It's an ideal solution for those who need immediate financial support.
Low Rate of Interest
Shriram Finance offers competitive interest rates starting at 10%* p.a. This low rate of interest makes the gold loan an affordable borrowing option, helping you manage your financial needs without incurring high costs. The attractive interest rates ensure that you can repay the loan comfortably.
Borrow Smartly
One of the key benefits of our gold loan is that you only pay interest for the duration that you use the loan amount. This means that if you repay the loan early, you save on interest costs, making it a cost effective option. This feature allows you to manage your finances more efficiently and avoid unnecessary expenses.
Quick Approval
The approval process for a gold loan with Shriram Finance is swift and reliable. With minimal documentation and a streamlined process, you can get your loan approved quickly. This is particularly beneficial for those who need funds urgently and cannot afford to wait for lengthy approval procedures.
Maximum Finance
You can avail a loan of up to 75%* of your pledged gold's market value. This high loan to value ratio ensures that you can access a substantial amount of funds based on the value of your gold. Whether you need money for medical expenses, education, or business expansion, this feature provides you with the financial flexibility you need.
Gold Loan Interest Rates in Dharamshala
| 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 Dharamshala
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 Dharamshala
Their 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 them.
Step 3:
Visit their branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Dharamshala
Gold Loan Customer Care in Dharamshala
Toll Free
Gold Loan Status in Dharamshala
To check the status of your gold loan application, visit our website and enter your application reference number. You can also contact customer care. Unlock the potential of your assets with Shriram Finance, where you can secure an attractive jewel loan interest rate in Dharamshala
Gold Loan FAQs
Can I apply for a gold loan online in Dharamshala?
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 Dharamshala?
The interest rate starts from 10%* p.a. 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 Dharamshala?
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 Dharamshala?
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 Dharamshala?
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 Dharamshala?
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 Dharamshala?
Shriram Finance 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. It is 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 Dharamshala?
After completing the registration process, representatives will evaluate your profile and get 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.
