Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Haldia
Gold loans in Haldia offer an efficient way for individuals to access funds quickly. Borrowers can leverage gold assets by using them as collateral instead of liquidating them. Shriram Finance stands out by providing reliable Shriram Gold Loan services specifically designed with local needs in mind. Shriram Gold Loan processes are crafted for effortless approvals with minimal documentation. With flexible loan durations ranging from 1 month to 12 months and competitive interest rates starting at just 10%* p.a., Shriram Finance ensures that Haldia residents can swiftly secure the funds they need.
Features and Benefits of Gold Loans in Haldia
Shriram Gold Loans offer various attractive features and benefits:
Maximum Finance
You can secure a loan of up to 75%* against the value of your gold. The financing is based on the current market worth of the gold you pledge as collateral. Each gold item is carefully weighed, photographed, and documented before storage to ensure accurate return upon loan settlement. Expert appraisers use advanced testing methods to determine exact purity and value, ensuring you receive maximum benefit from your assets.
Low Rate of Interest
Interest rates for Shriram Gold Loans begin at just 10%* p.a., significantly lower than many unsecured loan options available in the market. This competitive rate structure makes gold loans an economical choice for various financial needs, from education expenses to business requirements.
Flexible Tenure
You have the freedom to repay your loan at your convenience, with a minimum term of 1 month. The loan duration can extend from 1 month to 12 months. Throughout this period, your gold remains in highly secure security vaults.
Minimal Documentation
The application process requires very little paperwork, ensuring a smooth experience. You receive detailed documentation of all pledged items with unique identification codes that you can verify when reclaiming your gold.
Borrow Smartly
You only pay interest for the time you utilise the gold loan. Your gold remains safely stored regardless of repayment schedule, with our triple layer security system including 24/7 guards, electronic surveillance, and biometric access controls.
Quick Approval
Enjoy reliable and expedited loan approvals with minimal documentation involved. Despite the quick processing, we maintain meticulous security protocols during gold transfer to vault storage, with dual custodian verification at each handoff point.
Gold Loan Interest Rates in Haldia
| 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 Haldia
Address Proof
Driver's License, Passport, Landline Bill, Gas Connection Card, Prepaid Mobile Bill, Water Bill, Electricity Bill, Aadhaar Card, or Voter ID
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 Haldia
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 Haldia
Gold Loan Customer Care in Haldia
Toll Free
Gold Loan Status in Haldia
Visit our website to check the status of your gold loan application by entering the reference number provided. This online tracking system provides real time updates on your application's progress through various approval stages. For immediate updates or clarification on specific aspects of your application, feel free to contact our customer care directly using the toll free numbers listed above.
Gold Loan FAQs
Can I apply for a gold loan online in Haldia?
Yes, you can access Shriram Finance's gold loan services online through the official website or mobile app for a convenient application experience.
What is the interest rate on gold loans in Haldia?
The starting interest rate is 10%* p.a., with final rates customised based on your pledged gold's current market value.
What is the tenure for a gold loan in Haldia?
Loan tenures are available from 1 month to 12 months, offering flexibility in repayment planning.
Can I get a gold loan for any type of gold in Haldia?
Shriram Finance offers loans against gold ornaments and coins with purity between 18 and 22 carats.
Is there a maximum or minimum limit for a gold loan in Haldia?
Loan amounts are calculated at up to 75%* of your pledged gold's evaluated market value.
What documents are required to apply for a gold loan in Haldia?
Required documentation consists of: Identity document: Submit one from Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card Address proof: Choose from 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 loans in Haldia?
Shriram Finance maintains a borrower friendly approach with no standard prepayment fees, enabling early loan closure without additional charges. Specific terms are detailed in your loan agreement.
How can I check the status of my gold loan application in Haldia?
After completing your registration, Shriram Finance's representatives will evaluate your application and provide status updates.
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.
