Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Giridih
Gold is more than a prized possession in Giridih; it is a valuable asset that holds financial significance for families across the city. In times of urgent need, selling gold may not always be the best option. Instead, you can use your gold to avail of a loan and secure immediate funds without parting with your jewellery. A gold loan is a simple and efficient financial tool that allows you to leverage your gold's value while maintaining ownership. Whether it is for medical expenses, business needs, or personal requirements, gold loans in Giridih provide quick access to cash with minimal formalities. This makes them a preferred choice for those seeking an easy and reliable source of funds. At Shriram Finance, we understand the importance of timely financial assistance. Our gold loans come with flexible repayment options ranging from 1 to 12 months, ensuring you have the freedom to repay as per your convenience. With competitive interest rates starting at 10%* p.a., borrowing remains affordable. We have a simple online application process that eliminates lengthy paperwork, requiring only minimal documentation. Additionally, our fast approval system ensures you receive funds without unnecessary waiting periods. Turn your gold into a source of financial support with a loan from Shriram Finance. Apply today for a quick and secure borrowing experience. Visit our nearest branch or apply online to get started.
Features and Benefits of Gold Loans in Giridih
Our gold loans provide a secure and efficient way to meet financial needs. Here are the key features and benefits:
Borrow Smartly:
Interest is charged only for the period you use the loan, reducing unnecessary costs. This allows you to repay early and save on interest payments.
Low Rate of Interest:
Our gold loans come with attractive interest rates starting at 10%* p.a., making them an affordable borrowing option. With transparent policies, you always know what you are paying.
Flexible Tenure:
Choose a repayment tenure from 1 month to 12 months, giving you the flexibility to manage your finances better. Whether short term or long term, we offer options suited to your needs.
Minimal Documentation:
With only basic KYC documents required, applying for a loan is simple and stress free. This ensures that you get financial support without unnecessary formalities.
Maximum Finance:
We offer up to 75% of your gold's market value, providing you with the best possible loan amount. This helps you meet financial commitments without selling your assets.
Quick Approval:
Our fast processing ensures that your loan is approved without delay, giving you immediate access to funds. This makes handling urgent financial needs easier.
Gold Loan Interest Rates in Giridih
| 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 Giridih
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 Giridih
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 Giridih
Gold Loan Customer Care in Giridih
Toll Free
Gold Loan Status in Giridih
Keep track of your gold loan application in Giridih with ease. Check your gold loan status online using your reference number or contact our customer support team for updates. Learn more about gold loans and how Shriram Finance can assist you.
Gold Loan FAQs
Can I apply for a gold loan online in Giridih?
Yes, applying for a gold loan online in Giridih is convenient with Shriram Finance. Our user friendly website and dedicated mobile application are equipped to facilitate the entire gold loan application process from the comfort of your home.
What is the interest rate on gold loans in Giridih?
The interest rates for our gold loans in Giridih commence at 10%* p.a. The final interest rate applicable to your specific loan may be influenced by factors such as the prevailing market value of the gold you pledge as collateral.
What is the tenure for a gold loan in Giridih?
You can choose a loan tenure from 1 month to 12 months.
Can I get a gold loan for any type of gold in Giridih?
We provide loans against gold jewellery and coins within the 18 to 22 carat purity range.
Is there a maximum or minimum limit for a gold loan in Giridih?
The loan amount is calculated based on the gold's value, allowing for up to 75% of its market price.
What documents are required to apply for a gold loan in Giridih?
Required documents include identity proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) and address proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, or utility bills).
Are there any prepayment penalties on gold loans in Giridih?
Typically, early repayment is allowed without penalties. Please verify the specific terms of your loan agreement.
How can I check the status of my gold loan application in Giridih?
Our representatives will inform you of your application status after reviewing your information.
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.
