Gold Loan in Jhansi
When financial needs arise, your gold can be the key to quick liquidity. A gold loan in Jhansi from Shriram Finance helps you access funds while keeping your gold safe. With interest rates starting from 10%* p.a. and flexible repayment tenures ranging from 1 to 12 months, you can borrow as per your needs without long approval waits. The straightforward process and minimal documentation ensure a hassle free experience. Shriram Finance branches in Jhansi are equipped to provide personalised assistance, making the entire process smooth and efficient. Whether you need funds for personal expenses, business investments, or emergencies, your gold can help you secure the necessary funds easily. The loan application process is designed to be quick and convenient, with minimal paperwork required, ensuring you get the money you need without unnecessary delays. With flexible repayment options, you have the freedom to choose a tenure that suits your financial situation, ranging from 1 month to 1 year. This flexibility allows you to manage your finances effectively and repay the loan at your convenience. Additionally, you only pay interest for the time the gold loan is used, helping to keep costs lower and making it a cost effective borrowing option. Visit your local Shriram Finance branch in Jhansi today to learn more about their competitive gold loan offerings. The friendly staff will guide you through the process, ensuring you understand all the terms and conditions. Discover how you can make the most of your gold's value and achieve your financial goals without the need to sell your precious assets.
Features and Benefits of Gold Loans in Jhansi
Gold loans from Shriram Finance in Jhansi come with these features:
Flexible Tenure
Choose a repayment duration that suits your needs, ranging from 1 month to 12 months. This flexibility allows you to manage your finances effectively, ensuring you can repay the loan at your convenience without any undue pressure.
Low Rate of Interest
Interest rates start from 10%* p.a., making the loan affordable. This competitive rate ensures that you can borrow funds without incurring high interest costs, making it a cost effective solution for your financial needs.
Borrow Smartly
Pay interest only for the duration you use the loan amount. This feature helps keep the overall cost lower, as you are not burdened with unnecessary interest payments, making it a smart borrowing option.
Minimal Documentation
The process is designed to be hassle free, requiring only essential paperwork. This streamlined approach reduces the time and effort needed to secure your loan, making it easier and quicker to access funds when you need them most.
Maximum Finance
Secure up to 75%* of your pledged gold's market value as a loan. This high loan to value ratio allows you to unlock significant funds based on the value of your gold, providing substantial financial support.
Quick Approval
Benefit from a fast approval process with minimal paperwork. This ensures you get the funds you need without unnecessary delays, making it ideal for urgent financial needs.
Gold Loan Interest Rates in Jhansi
| 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 Jhansi
Address Proof
Passport, Prepaid Mobile Bill, Aadhaar Card, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, or Landline Bill.
Identity Proof
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). Who can apply? Salaried, self employed, self employed professionals, business owners, and other individuals. Age: 18 to 75* years.
Step by Step Application Process for Gold Loans in Jhansi
Getting a gold loan in Jhansi is simple and requires just four easy 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 Jhansi
Gold Loan Customer Care in Jhansi
Toll Free
Gold Loan Status in Jhansi
Track your gold loan application status on our website by entering your reference number. For instant updates, connect with our customer care team. Apply for a gold loan in Jhansi with Shriram Finance today!
Gold Loan FAQs
Can I apply for a gold loan online in Jhansi?
Yes, applying for a gold loan online is simple. Use our website or mobile app to complete the process.
What is the interest rate on gold loans in Jhansi?
The interest rate starts at 10%* p.a. The actual rate is based on the market value of the pledged gold.
What is the tenure for a gold loan in Jhansi?
You can choose a loan tenure ranging from 1 month to 12 months.
Can I get a gold loan for any type of gold in Jhansi?
Shriram Finance provides gold loans for jewellery and coins of 18 to 22 gold carats.
Is there a maximum or minimum limit for a gold loan in Jhansi?
The loan amount depends on your pledged gold's market value, with financing available up to 75%*.
What documents are required to apply for a gold loan in Jhansi?
You need to submit identity proof (Aadhaar Card/PAN Card/Passport/Voter ID/Driving Licence) and address proof (Aadhaar Card/Utility Bills/Passport/Driving Licence).
Are there any prepayment penalties on gold loans in Jhansi?
Shriram Finance does not usually impose prepayment charges, enabling you to repay early without additional costs. Check your loan agreement for full details.
How can I check the status of my gold loan application in Jhansi?
After submission, our representatives will review your details and keep you updated on your 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.
