Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold loan in Ghaziabad
If you're in Ghaziabad and need immediate funds without parting with your precious gold, Shriram Finance has a solution tailored just for you. Their gold loan offers competitive interest rates starting at 10%* p.a., making it an affordable option for many. The repayment terms are flexible, ranging from 1 to 12 months, allowing you to choose a plan that best suits your financial situation. The application process is straightforward and designed for your convenience. With quick approvals and minimal paperwork, you can access the funds you need without unnecessary delays. This makes it an ideal choice for urgent financial needs, whether it's for medical expenses, educational purposes, or expanding your business. One of the key advantages of a gold loan from Shriram Finance is that you can secure funds while keeping your gold safe. This means you don't have to sell your valuable assets to meet your financial requirements. To apply for a gold loan in Ghaziabad, you can visit the nearest branch or apply online through their website. The online application process is user friendly and can be completed in a few simple steps. You'll need to provide some basic information and documents, such as your ID proof, address proof, and details of the gold you wish to pledge. Once your application is submitted, it will be reviewed promptly, and upon approval, the funds will be disbursed quickly. This ensures that you can address your financial needs without any hassle. Additionally, we offer excellent customer support to guide you through the process and answer any questions you may have.
Features and Benefits of Gold Loan in Ghaziabad
Shriram Finance provides gold loan with multiple features, making borrowing easy and convenient. Key features include:
Borrow Smartly
One of the key benefits of Shriram Finance's gold loan is that you only pay interest for the duration the loan is active. This makes it a cost effective option, as you can save on interest costs if you repay the loan early. This feature allows you to manage your finances more efficiently, ensuring that you only pay for what you use.
Maximum Finance
With Shriram Finance, you can borrow up to 75% of the value of the gold you pledge as collateral. This high loan to value ratio means 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.
Minimal Documentation
Shriram Finance in Ghaziabad offers a gold loan process that is straightforward and involves minimal paperwork. This means you can apply for a loan without the hassle of extensive documentation, making it easier and quicker to access the funds you need. The simplicity of the process ensures that you can focus on your financial needs rather than getting bogged down by bureaucratic procedures.
Flexible Tenure
The loan tenure offered by Shriram Finance is flexible, with a minimum period of 1 month. You can choose a loan period ranging from 1 month to 1 year, allowing you to repay the loan at your convenience. This flexibility ensures that you can tailor the repayment schedule to suit your financial situation, without feeling pressured by rigid repayment terms.
Quick Approval
The approval process for a gold loan with Shriram Finance is quick and reliable. With minimal paperwork and a streamlined process, you can get your loan approved in a short time. This is particularly beneficial for those who need funds urgently and cannot afford to wait for lengthy approval procedures. The quick approval process ensures that you can address your financial needs without unnecessary delays.
Low Rate of Interest
Shriram Finance offers competitive interest rates starting from 10% per annum. 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 without straining your finances.
Gold Loan Interest Rates in Ghaziabad
| 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 Ghaziabad
Address Proof
Aadhaar Card, Passport, Gas Connection Card, Water Bill, Driver's License, Voter ID, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Identity Proof
Aadhaar Card, Driver's License, Voter ID, Passport, or PAN Card (In case you do not have a PAN Card, you can submit Form 60). Who can apply? Salaried, self employed, self employed professionals, business owners, and other individuals. Age: 18* to 75* years.
Step by Step Application Process for Gold Loan in Ghaziabad
Applying gold loan in Ghaziabad 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 Ghaziabad
Gold Loan Customer Care in Ghaziabad
Toll Free
Gold Loan Status in Ghaziabad
Track your gold loan application by visiting our website and entering your reference number. For real time updates, reach out to our customer care team. Apply for a gold loan in Ghaziabad with Shriram Finance today.
Gold Loan FAQs
Can I apply for a gold loan online in Ghaziabad?
Yes, you can conveniently apply for a Shriram Gold Loan online through our official website or mobile application.
What is the interest rate on gold loan in Ghaziabad?
Shriram Finance offers gold loan with interest rates starting at 10%* p.a. The final rate depends on the current market value of the pledged gold.
What is the tenure for a gold loan in Ghaziabad?
You can select a repayment tenure from 1 month up to 12 months, based on your financial needs.
Can I get a gold loan for any type of gold in Ghaziabad?
Shriram Finance provides gold loan for jewellery and coins ranging from 18 to 22 carats in purity.
Is there a maximum or minimum limit for a gold loan in Ghaziabad?
The loan amount is determined by the value of your pledged gold, with financing available up to 75%* of its market price.
What documents are required to apply for a gold loan in Ghaziabad?
You must provide identity proof (Aadhaar Card/Passport/Driver's Licence/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 Ghaziabad?
Shriram Finance generally does not charge prepayment penalties. However, reviewing the loan agreement for specific terms is advisable.
How can I check the status of my gold loan application in Ghaziabad?
Once your application is submitted, our team will assess your details and update you regarding the status of your 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.
