Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Hazaribagh
Gold has long been a symbol of security and prosperity in Hazaribagh, a city known for its natural beauty and cultural heritage. Many families consider gold a trusted asset, not only for its ornamental value but also as a financial backup during unexpected situations. Instead of selling your gold during emergencies, you can use it to secure a loan that meets your immediate needs. A gold loan is a convenient financial solution where you pledge your gold as collateral and receive funds in return. This allows you to cover urgent expenses such as medical bills, education costs, or business investments without compromising long term savings. Gold loans in Hazaribagh provide a quick and easy way to access liquidity while retaining ownership of your valuable jewellery. At Shriram Finance, we offer gold loans with flexible repayment tenures ranging from 1 to 12 months, ensuring a plan that fits your financial needs. Our interest rates start at 10%* p.a., making repayments manageable. The application process is designed for ease, with a simple online option that allows you to apply from the comfort of your home. We require minimal documentation, and our swift approval process ensures that you get funds without unnecessary delays. When financial needs arise, your gold can be the key to securing instant funds. Apply for a gold loan with Shriram Finance today and experience a hassle free borrowing process. Visit our nearest branch or apply online for quick access to funds.
Features and Benefits of Gold Loans in Hazaribagh
Gold loans offer a convenient way to secure funds while keeping your gold assets safe. Here's what makes our gold loans beneficial:
Borrow Smartly
With our gold loan, you only pay interest for the period you keep the loan active. This helps you save on interest costs by repaying early whenever possible.
Low Rate of Interest
Our interest rates start from 10%* p.a., making gold loans in Hazaribagh an affordable financing option. Transparent pricing ensures there are no hidden costs or unexpected charges.
Flexible Tenure
We provide repayment options ranging from 1 month to 12 months, allowing you to choose a tenure that suits your financial situation. This flexibility helps you repay comfortably without stress.
Minimal Documentation
Our simple documentation process makes securing a loan quick and hassle free. Basic KYC documents are enough to apply, eliminating the need for extensive paperwork.
Maximum Finance
You can avail of a loan up to 75% of your gold's market value, ensuring you get the highest possible amount. This makes it easier to meet urgent expenses without selling your gold.
Quick Approval
We understand the need for quick funds, which is why our gold loan approvals are fast and efficient. With minimal processing time, you can get the required amount without delay.
Gold Loan Interest Rates in Hazaribagh
| 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 Hazaribagh
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 Hazaribagh
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 Hazaribagh
Gold Loan Customer Care in Hazaribagh
Toll Free
Gold Loan Status in Hazaribagh
Staying updated on the current status of your gold loan in Hazaribagh is a straightforward process with Shriram Finance. Simply input your unique reference number on our website. Alternatively, our dedicated customer support team is also readily available to provide you with real time updates.
Gold Loan FAQs
Can I apply for a gold loan online in Hazaribagh?
Yes, applications for gold loans can be made online via our website or mobile app.
What is the interest rate on gold loans in Hazaribagh?
Interest rates start from 10%* p.a., varying with the pledged gold's market value.
What is the tenure for a gold loan in Hazaribagh?
You can choose a loan tenure from 1 month to 12 months for a gold loan in Hazaribagh.
Can I get a gold loan for any type of gold in Hazaribagh?
We provide loans against gold jewellery and coins with a purity of 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Hazaribagh?
Loan amounts are based on gold's market value, up to 75% of that value.
What documents are required to apply for a gold loan in Hazaribagh?
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 Hazaribagh?
Typically, there are no prepayment penalties. However, make sure to check your loan agreement.
How can I check the status of my gold loan application in Hazaribagh?
We will review your application and inform you of your loan 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.
