Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Gandhinagar
Gold jewellery has always held immense value in Indian culture, symbolising both tradition and wealth. For many households, gold is not just a prized possession, but a valuable asset that can be relied upon in times of financial need. In Gandhinagar, gold loans have emerged as a popular solution for people looking to meet immediate expenses without parting with their precious jewellery. Shriram Finance provides a convenient and trustworthy way to access quick funds through gold loans. With competitive interest rates starting at just 10% p.a., customers can enjoy affordable financial support when they need it the most. Our flexible repayment options, ranging from 1 to 12 months, allow borrowers to repay the loan in a way that suits their financial situation. Additionally, the application process is simple, requiring minimal documentation, and approval is granted quickly. Whether you need funds for personal expenses, medical emergencies, or any other urgent requirement, Shriram Finance ensures a smooth and seamless experience. With our gold loan service, you can unlock the value of your gold while maintaining ownership of your jewellery. For those in Gandhinagar looking for reliable financial assistance, trust Shriram Finance for your gold loans in Gandhinagar. Reach out today to discover how easy it is to secure a loan and meet your financial goals.
Features and Benefits of Gold Loans in Gandhinagar
Find out the specifics and positive aspects of our gold loans in Gandhinagar:
Low Rate of Interest
Shriram Finance offers competitive interest rates starting at just 10% p.a., ensuring that you can access financial support without the burden of high repayment costs. This affordable rate makes gold loans an attractive option for those in need of quick funds.
Flexible Tenure
With flexible loan tenures ranging from 1 month to 1 year, you can choose a repayment schedule that best suits your financial situation. This flexibility ensures that you're not tied to a rigid plan and can repay comfortably at your own pace.
Maximum Finance
You can secure up to 75% of your gold's value through a gold loan with Shriram Finance, enabling you to access a significant amount of funds. This high financing ratio means you can meet larger financial needs without having to sell your gold.
Minimal Documentation
The application process for a gold loan with Shriram Finance is quick and simple, requiring minimal documentation, saving you time and effort. This streamlined process ensures that you can secure a loan without unnecessary delays or complications.
Borrow Smartly
Interest is only charged for the duration you use the loan, meaning you won't pay more than necessary. This pay as you go system allows you to borrow smartly, ensuring that you only incur costs for the time you have the loan outstanding.
Quick Approval
Once you apply for a gold loan, the approval process is swift and efficient, allowing you to access funds in a matter of hours. This quick turnaround ensures you can meet urgent financial needs without unnecessary waiting.
Gold Loan Interest Rates in Gandhinagar
| 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 Gandhinagar
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 Gandhinagar
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 Gandhinagar
Gold Loan Customer Care in Gandhinagar
Toll Free
Gold Loan Status in Gandhinagar
To check your gold loan status in Gandhinagar, enter your reference number online or contact our support team. For a smooth and secure gold loan experience, Shriram Finance is here for you.
Gold Loan FAQs
Can I apply for a gold loan online in Gandhinagar?
Yes, applying online is simple through our website or mobile app, designed for a fast and convenient experience.
What is the interest rate on gold loans in Gandhinagar?
Interest rates for our gold loans begin at 10%* p.a. The exact rate you receive will be determined by the value and quality of your gold.
What is the tenure for a gold loan in Gandhinagar?
You can choose a repayment period between 1 and 12 months, giving you a range of flexible options.
Can I get a gold loan for any type of gold in Gandhinagar?
Yes, we accept gold jewellery and coins that are between 18 and 22 carats in purity.
Is there a maximum or minimum limit for a gold loan in Gandhinagar?
Your loan amount is based on your gold's current market value, and we can provide financing up to 75% of that valuation.
What documents are required to apply for a gold loan in Gandhinagar?
You need 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 Gandhinagar?
Early repayment is often permitted, but we strongly recommend reviewing your loan agreement thoroughly, as specific terms and potential fees may vary. Please contact our team for personalised clarification.
How can I check the status of my gold loan application in Gandhinagar?
You'll receive regular updates after applying. Additionally, you can monitor your application online or by contacting our customer support.
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.
