Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Hajipur
In this dynamic environment, many Hajipur residents seek trusted financial solutions that allow them to effectively utilise their gold assets to meet various personal and family requirements without permanently parting with these precious heirlooms. Whether it's funding a child's education, expanding a family business, managing healthcare expenses, or investing in agricultural improvements, gold loans provide an accessible pathway to address immediate financial needs while preserving ownership of cherished assets.Shriram Finance offers Gold Loan in Hajipur with competitive interest rates beginning at 10%* p.a. Through customisable tenure options ranging from 1 to 12 months, Shriram Finance meets diverse financial needs. Shriram Finance's clear procedures and efficient processing make it a preferred choice for gold backed loans.
Features and Benefits of Gold Loan in Hajipur
Shriram Gold Loan offer a variety of appealing features and advantages:
Low Rate of Interest
Benefit from attractive rates starting at just 10%* p.a., making gold loans significantly more affordable than many alternative credit options that typically carry much higher interest rates. This competitive pricing makes Shriram's gold loans accessible to a broader segment of Hajipur's population.
Maximum Finance
Access up to 75%* of your gold's current market value as loan amount, ensuring substantial liquidity against your assets. This generous loan to value ratio allows borrowers to unlock significant funds without requiring excessive collateral, addressing larger financial needs effectively.
Minimal Documentation
Experience a streamlined application process with basic paperwork, eliminating unnecessary delays. This approach is particularly beneficial in Hajipur, where extensive documentation requirements might otherwise deter potential borrowers, especially those from rural backgrounds or with limited formal financial history.
Quick Approval
Enjoy expedited loan processing with simplified documentation verification procedures, allowing funds to be disbursed within hours rather than days. This rapid access proves crucial during financial emergencies or time sensitive business opportunities that require immediate attention.
Flexible Tenure
Choose repayment terms between 1 month and 12 months based on your financial situation and cash flow patterns. This adaptability allows borrowers to align their repayment obligations with their income cycles, whether they derive from salaried employment, business operations, or seasonal agricultural activities.
Borrow Smartly
Pay interest exclusively for your actual loan utilisation period, ensuring you only incur costs for what you use. Unlike many traditional loans that charge interest on the entire principal regardless of usage patterns, this feature makes Shriram's gold loans particularly economical for those who might repay early or require funds for varying durations.
Gold Loan Interest Rates in Hajipur
| 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 Hajipur
Address Proof
Passport, Driver's License, Voter ID, Gas Connection Card, Aadhaar Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill
Identity Proof
PAN Card (Form 60 accepted if no PAN), Driver's License, Voter ID, Passport, or Aadhaar Card Age: 18 to 75 years*. Who can apply?: Self employed, salaried, business owners, self employed professionals, and other individuals.
Step by Step Application Process for Gold Loan in Hajipur
The 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 the branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Hajipur
Gold Loan Customer Care in Hajipur
Toll Free
Gold Loan Status in Hajipur
Monitor your gold loan application easily by visiting our website with your reference number. Our customer care team provides real time assistance when needed. Choosing Shriram Finance in Hajipur means selecting a trusted partner for your financial journey.
Gold Loan FAQs
Can I apply for a gold loan online in Hajipur?
Yes, you can apply for a gold loan online. Access Shriram Finance's official web portal or mobile application to submit your Shriram Gold Loan request.
What is the interest rate on Gold Loan in Hajipur?
The interest rate commences at 10%* p.a. The final gold loan interest rates established by Shriram Finance may depend on the contemporary market assessment of the gold deposited as security.
What is the tenure for a gold loan in Hajipur?
You may select a repayment duration spanning from a brief 1 month to an extended 12 months period.
Can I get a gold loan for any type of gold in Hajipur?
Shriram Finance issues Gold Loan against jewellery and coins with purity grades ranging from 18 to 22 karats.
Is there a maximum or minimum limit for a gold loan in Hajipur?
The loan value correlates with your gold's appraisal. Shriram Finance typically provides financing up to 75% of your gold's determined market price.
What documents are required to apply for a gold loan in Hajipur?
You must submit personal identification (including Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card) and domicile verification (such as Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill).
Are there any prepayment penalties on Gold Loan in Hajipur?
Generally, Shriram Finance avoids imposing early settlement charges on Gold Loan. This arrangement permits you to discharge your debt before the scheduled completion without supplementary fees, potentially diminishing your overall interest liability. However, it's recommended to verify the specific terms outlined in your loan agreement to confirm no prepayment penalties pertain to your particular loan.
How can I check the status of my gold loan application in Hajipur?
Once you complete the registration process, Shriram Finance executives will review your credentials and communicate with you regarding your gold loan application status.
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.
