Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loan in Guwahati
When financial needs arise, leveraging your gold can be a practical solution instead of selling it. Shriram Finance offers gold loans in Guwahati, allowing you to access funds quickly while keeping your gold secure. With competitive interest rates starting at 10%* p.a. and flexible repayment options between 1 and 12 months, you can manage expenses without financial strain. Whether it's for personal needs, education, or business expansion, our seamless loan process ensures swift disbursal with minimal paperwork. Explore the details ahead to see how you can benefit from this trusted financing option.
Features and Benefits of Gold Loans in Guwahati
In Guwahati, the gold loan features by Shriram Finance include the following benefits:
Maximum Finance
You can borrow up to 75%* of your gold's market value, ensuring you get the maximum financial leverage while keeping your gold safe. This allows you to access a substantial amount of funds without having to sell your valuable assets.
Low Rate of Interest
Our interest rates start from 10%* p.a., making borrowing cost effective and affordable for various financial needs. This competitive rate helps you manage your loan costs effectively, ensuring that you can meet your financial obligations without undue strain.
Borrow Smartly
You only pay interest for the period you use the loan, helping you save on costs and manage your finances efficiently. This feature is particularly beneficial if you need funds for a short period, as it minimises your overall loan expenses.
Quick Approval
We offer reliable and fast loan approvals with minimal documentation, ensuring that you receive the funds you need promptly. Our efficient system ensures that you can address your financial requirements quickly, whether it's for personal needs, education, or business expansion.
Flexible Tenure
The loan tenure ranges from 1 month to 1 year, allowing you to repay at your convenience. This flexibility ensures that you can align your loan repayments with your financial plans, providing peace of mind and reducing financial stress.
Minimal Documentation
Our process involves minimal paperwork, ensuring a hassle free experience. This streamlined approach helps you access funds quickly without unnecessary delays, making it ideal for urgent financial needs.
Gold Loan Interest Rates in Guwahati
| 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 Guwahati
Address Proof
Passport, Prepaid Mobile Bill, Aadhaar Card, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity 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 Guwahati
Applying gold loan in Guwahati can be done easily 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 Guwahati
Gold Loan Customer Care in Guwahati
Toll Free
Gold Loan Status in Guwahati
Easily track your gold loan application with Shriram Finance in Guwahati by entering your reference number on our website. This convenient feature allows you to stay updated on the status of your application without any hassle. For real time updates and assistance, you can also contact our dedicated customer care team, who are always ready to help. Choosing Shriram Finance for your gold loan in Guwahati ensures a smooth and efficient process. With competitive interest rates, flexible repayment options, and minimal documentation, we make borrowing easy and stress free. Leverage the value of your gold to meet your financial needs without parting with your valuable assets. Trust Shriram Finance for a reliable and convenient gold loan experience in Guwahati.
Gold Loan FAQs
Can I apply for a gold loan online in Guwahati?
Yes, you can apply online for a Shriram Gold Loan using our website or mobile app.
What is the interest rate on gold loans in Guwahati?
Gold loans start at 10%* p.a., with the final rate based on the pledged gold's market value.
What is the tenure for a gold loan in Guwahati?
You can choose a repayment tenure from 1 month to 12 months.
Can I get a gold loan for any type of gold in Guwahati?
Shriram Finance provides loans against gold jewellery and coins ranging from 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Guwahati?
The loan amount is calculated based on the value of the pledged gold, with funding up to 75%*.
What documents are required to apply for a gold loan in Guwahati?
Applicants must submit identity proof (Aadhaar Card/Passport/Voter ID/Driver's Licence/PAN Card) and address proof (Aadhaar Card/Utility Bills/Passport).
Are there any prepayment penalties on gold loans in Guwahati?
Shriram Finance usually does not impose prepayment penalties, enabling you to repay early without extra charges. However, review your loan agreement for details.
How can I check the status of my gold loan application in Guwahati?
Once your application is submitted, our representatives will assess your request and update you accordingly.
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.
