Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Gandhidham
Gold has always been an integral part of Indian heritage, and for many in Gandhidham, it represents both tradition and financial security. When faced with unforeseen financial needs, people often turn to their gold jewellery, unlocking its value through gold loans. These loans offer an excellent way to access quick funds without selling the cherished assets that hold sentimental value. At Shriram Finance, we offer gold loans that are designed to cater to the diverse financial needs of the people of Gandhidham. With interest rates starting from 10% p.a., our loans come with competitive terms that ensure financial relief at affordable rates. We offer flexible repayment tenures ranging from 1 to 12 months, allowing borrowers to choose a schedule that fits their budget. The process of applying for a gold loan with us is quick and easy, with minimal documentation required and fast approval. Whether it's for a medical emergency, education, or any other urgent financial requirement, Shriram Finance provides a trusted and efficient way to access funds using your gold. If you are in Gandhidham and need financial support, consider Shriram Finance for your gold loans in Gandhidham. Get in touch with us today to learn more about our hassle free gold loan options and how we can assist you.
Features and Benefits of Gold Loans in Gandhidham
Enjoy the benefits of securing a gold loan with Shriram Finance in Gandhidham:
Low Rate of Interest
Shriram Finance offers competitive interest rates starting from 10% p.a., providing an affordable option for those looking to meet their financial needs. These low rates ensure that borrowers can access funds without being overwhelmed by high interest costs.
Flexible Tenure
Our gold loans come with flexible repayment terms, ranging from 1 month to 1 year, allowing you to select a duration that works best for your financial situation. This flexibility gives you the option to manage your loan repayments according to your income and budget.
Maximum Finance
You can avail up to 75% of your gold's value, giving you access to a substantial amount of funding when needed. This high financing ratio means that you can cover a wide range of expenses without having to part with your gold permanently.
Minimal Documentation
The application process for gold loans at Shriram Finance is simple and requires minimal documentation. This ease of application makes it quick and stress free to access the funds you need.
Borrow Smartly
With Shriram Finance, interest is only charged for the period you utilise the loan, ensuring that you pay only for what you borrow. This means you're not paying unnecessary interest charges, allowing you to manage your finances more efficiently.
Quick Approval
At Shriram Finance, we ensure that your gold loan application is approved quickly, meaning you can access funds almost immediately. This quick approval process is designed to help you meet urgent financial needs without delay.
Gold Loan Interest Rates in Gandhidham
| 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 Gandhidham
Address Proof
Aadhaar Card, Passport, Driver's Licence, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Identity Proof
Aadhaar Card, Driver's Licence, Passport, 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 Gandhidham
Our 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 us.
Step 3:
Visit our branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Gandhidham
Gold Loan Customer Care in Gandhidham
Toll Free
Gold Loan Status in Gandhidham
Tracking your gold loan status in Gandhidham is easy. Simply enter your reference number online or contact our support team for real time updates. Experience the ease and speed of a gold loan with Shriram Finance.
Gold Loan FAQs
Can I apply for a gold loan online in Gandhidham?
Yes, you can complete your gold loan application through our website or mobile app, ensuring a quick and easy process.
What is the interest rate on gold loans in Gandhidham?
Gold loan interest rates start from 10%* p.a., with the final rate depending on your gold's current market value.
What is the tenure for a gold loan in Gandhidham?
We provide repayment options ranging from 1 month to 12 months, giving you the flexibility to choose a suitable tenure.
Can I get a gold loan for any type of gold in Gandhidham?
Yes, we offer loans against gold jewellery and coins, provided they have a purity of 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Gandhidham?
The loan amount is determined based on the market value of your pledged gold, with funding available for up to 75% of its worth.
What documents are required to apply for a gold loan in Gandhidham?
You will need a valid identity proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) and address proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill).
Are there any prepayment penalties on gold loans in Gandhidham?
Generally, Shriram Finance does not impose prepayment penalties, allowing you to repay your loan early without extra charges. However, it's advisable to review the loan agreement for precise details.
How can I check the status of my gold loan application in Gandhidham?
After applying, you will receive updates on your loan status. You can also track it online or reach out to our support team for further assistance.
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.
