Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Hubballi Dharwad
Are you living in Hubballi Dharwad and looking for some extra funds to help you to achieve a goal? Or are you trying to find the right financial solution to meet a personal need? Do you have gold that you could use? Taking out a Gold Loan in Hubballi Dharwad from Shriram Finance provides a simple, reliable, and effective way to unlock the hidden value in your gold items. You don't need to sell your treasured jewellery or valuable gold coins to address your financial concerns. By using a gold loan, you can continue to enjoy your possessions, while using them as a security for a short term loan. Shriram Finance is a reputable financial institution, and we provide reliable and accessible gold loan services tailored to your needs. A variety of manageable repayment options and competitive interest rates, means a Gold Loan in Hubballi Dharwad could be a practical option for you to meet your financial needs. Shriram Finance has streamlined their loan application process, meaning the customer can be sure to receive outstanding care from our team.
Features and Benefits of Gold Loans in Hubballi Dharwad
There are a number of benefits to taking out a gold loan with Shriram Finance in Hubballi Dharwad:
Borrow up to 75%
We can unlock as much as 75% of the true market value of your gold.
Make the most of low interest rates
Take advantage of our competitive interest rates, which start from just 10%* per year.
Choose a repayment schedule that works for you
We have flexible repayment options to suit everyone, whether you're a business owner, a student, or a salaried employee. The term for our loan ranges from 1 month, to 1 year.
Application is simple
Our straightforward application process has been designed to take the stress out of borrowing.
Only pay for what you use
With Shriram Finance, you only pay interest for the time that you are using the loan.
Quick and Easy Approval
We know that often you need the money quickly, which is why our approvals process is simple and fast.
Gold Loan Interest Rates in Hubballi Dharwad
| 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 Hubballi Dharwad
Proof of Address
Any one of the following: Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Proof of Identity
Any one of the following: Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card. (If you do not have a PAN Card, you can submit Form 60). Age Requirement: Applicants must be between 18 and 75 years* of age. Applicant Type: Individuals who are salaried, self employed, professionals, business owners, and others, are eligible to apply.
Step by Step Application Process for Gold Loans in Hubballi Dharwad
Securing a gold loan with Shriram Finance in Hubballi Dharwad is a simple, four step process:
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 Hubballi Dharwad
Gold Loan Customer Care in Hubballi Dharwad
Toll Free
Gold Loan Status in Hubballi Dharwad
Stay informed about the progress of your gold loan application in Hubballi Dharwad. Simply visit our website and enter your unique application reference number to track your application status. Alternatively, you can contact our customer care team for real time updates.
Gold Loan FAQs
Can I apply for a gold loan online in Hubballi Dharwad?
Absolutely! Shriram Finance offers a convenient online application process for gold loans in Hubballi Dharwad. Visit our official website or download our mobile app to start your application. You can complete the entire process digitally, saving time and avoiding unnecessary branch visits.
What is the interest rate on gold loans in Hubballi Dharwad?
Our gold loan interest rates start from 10%* per annum. The final rate depends on the market value of the gold you pledge, the loan amount, and current market conditions. We offer transparent and competitive rates tailored to your specific financial needs.
What is the tenure for a gold loan in Hubballi Dharwad?
We provide flexible loan tenures ranging from 1 month to 12 months. Choose a repayment period that best suits your financial situation. You can also discuss prepayment or tenure extension options with our loan counsellors.
Can I get a gold loan for any type of gold in Hubballi Dharwad?
Shriram Finance accepts gold ornaments and coins between 18 to 22 carats. Our expert team will carefully evaluate the purity and weight of your gold to determine the loan amount you qualify for.
Is there a maximum or minimum limit for a gold loan in Hubballi Dharwad?
We offer loans up to 75% of your gold's current market value. The loan amount is directly linked to the quantity and quality of gold you pledge as security. Our transparent valuation ensures you get the maximum possible loan.
What documents are required to apply for a gold loan in Hubballi Dharwad?
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 Hubballi Dharwad?
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 Hubballi Dharwad?
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.
