Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Hadwani
Gold loans in Haldwani are a great way to access quick funds. They provide a reliable way to unlock the value of your gold assets. Instead of selling your treasured gold jewellery or coins, you can utilise their worth to meet immediate financial requirements. Customers can benefit from the services provided by Shriram Finance. Shriram Finance is very popular for its streamlined application process, swift approval times and flexible repayment options, making it an ideal choice for individuals and businesses seeking rapid financial support. With flexible tenures ranging from 1 month to 12 months and competitive interest rates starting from 10%* p.a. Shriram Finance is attuned to the business environment in Haldwani. By simplifying the application process, Shriram Finance enables you to secure capital promptly.
Features and Benefits of Gold Loans in Hadwani
Features of a Gold Loan offered by Shriram Finance along with it's benefits are:
Maximum Finance
You can secure a loan up to 75%* of your gold's market value, ensuring substantial financial support. This loan to value ratio complies with regulatory guidelines while maximising the utility of your gold assets. For example, if your gold jewellery has a market value of ₹1,00,000, you could potentially access up to ₹75,000 as a loan, providing significant financial leverage during important life events or urgent needs. The valuation process is transparent, with trained professionals using standardised testing methods to determine the purity and weight of gold, ensuring fair and consistent assessments for all customers.
Flexible Tenure
Repay your loan at your convenience with a tenure ranging from 1 month to 12 months. This flexibility allows borrowers to align their repayment schedules with expected income cycles.
Low Rate of Interest
Interest rates start from 10%* p.a., offering a cost effective option. These competitive rates translate to lower monthly payments and reduced overall borrowing costs, making gold loans an economical choice for addressing both personal and business financial requirements in Hadwani.
Minimal Documentation
The process involves minimal paperwork, ensuring a hassle free experience. This simplified approach reduces processing time and eliminates common barriers to loan approval. For residents of Hadwani who may have limited formal documentation or credit history, this accessibility is particularly valuable.
Borrow Smartly
Pay interest only for the period you use the loan, providing flexibility in repayment. For example, if you take a 12 month loan but repay it after 3 months following a good harvest or business season, you'll only be charged interest for those 3 months. This flexibility is particularly beneficial where income often arrives in lump sums rather than as regular monthly payments.
Quick Approval
Enjoy fast and reliable loan approvals to meet your urgent financial needs. This rapid response capability ensures that Hadwani residents can address time sensitive financial needs without unnecessary delays, potentially making crucial differences in scenarios where prompt financial intervention is essential.
Gold Loan Interest Rates in Hadwani
| 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 Hadwani
Address Proof
Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile 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 Hadwani
Their 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 them.
Step 3:
Visit their branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Hadwani
Gold Loan Customer Care in Hadwani
Toll Free
Gold Loan Status in Hadwani
To check the status of your gold loan application, visit our website and enter your application reference number. You can also contact customer care for real time updates on your loan processing status. Choose Shriram Finance and enjoy an attractive jewel loan interest rate in Hadwani.
Gold Loan FAQs
Can I apply for a gold loan online in Hadwani?
Yes, you can apply for a gold loan online. Visit our website or mobile app to apply for Shriram Gold Loan.
What is the interest rate on gold loans in Hadwani?
The interest rate starts from 10%* p.a. However, the final gold loan interest rates offered by the lender may depend on the market value of the gold pledged as security.
What is the tenure for a gold loan in Hadwani?
You can choose a loan tenure starting from 1 month up to 12 months.
Can I get a gold loan for any type of gold in Hadwani?
Shriram Finance provides gold loans for 18 to 22 carats gold ornaments and coins.
Is there a maximum or minimum limit for a gold loan in Hadwani?
The loan amount will depend on your gold. Loans up to 75% of your gold value are offered.
What documents are required to apply for a gold loan in Hadwani?
You typically need identity proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/PAN Card), and address proof (Aadhaar Card/Passport/Driver's Licence/Voter ID/Gas Connection Card/Water Bill/Electricity Bill/Prepaid Mobile Bill/Landline Bill).
Are there any prepayment penalties on gold loans in Hadwani?
Shriram Finance typically does not impose prepayment penalties on gold loans. This allows you to prepay your loan without incurring extra charges, potentially reducing the overall interest you pay. However, it's essential to confirm the specific terms and conditions in your loan agreement to ensure there are no prepayment penalties applicable to your loan
How can I check the status of my gold loan application in Hadwani?
After completing the registration process, representatives will evaluate your profile and revert back to you regarding your gold 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.
