Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Junagadh
Gold jewellery has long been a symbol of wealth and tradition in Indian households, cherished for its beauty and cultural significance. For many, gold is not just an ornament but a valuable asset that provides a sense of security and pride. However, when faced with unexpected financial needs, many individuals turn to their gold jewellery as a practical solution. This is where gold loans come into play, offering a fast, reliable, and hassle free way to unlock the value of gold.In Junagadh, gold loans have become an increasingly popular way to meet urgent financial requirements without having to sell cherished possessions. By pledging gold as collateral, individuals can access funds quickly, without the need for extensive documentation or lengthy approval processes. Shriram Finance offers gold loans with competitive interest rates starting from just 10% p.a., ensuring that borrowers can get the financial support they need without paying excessive fees. With flexible repayment tenures ranging from 1 to 12 months, customers can choose a plan that fits their financial situation and pay back the loan at their convenience.The application process for Shriram Finance's gold loan is simple and straightforward, with minimal documentation required. Once the loan is applied for, approval is quick, ensuring that you can access the funds you need without unnecessary delays.If you're looking for a trusted partner to help you with your financial needs, consider Shriram Finance for your gold loans in Junagadh. Contact us today to discover how easy it is to unlock the value of your gold and get the financial support you need.
Features and Benefits of Gold Loans in Junagadh
Explore the features and advantages of gold loans provided by Shriram Finance in Junagadh:
Low Rate of Interest
Shriram Finance offers competitive interest rates starting at just 10% p.a., ensuring that you can access financial support without the burden of high repayment costs. This affordable rate makes gold loans an attractive option for those in need of quick funds.
Flexible Tenure
With flexible loan tenures ranging from 1 month to 1 year, you can choose a repayment schedule that best suits your financial situation. This flexibility ensures that you're not tied to a rigid plan and can repay comfortably at your own pace.
Maximum Finance
You can secure up to 75% of your gold's value through a gold loan with Shriram Finance, enabling you to access a significant amount of funds. This high financing ratio means you can meet larger financial needs without having to sell your gold.
Minimal Documentation
The application process for a gold loan with Shriram Finance is quick and simple, requiring minimal documentation, saving you time and effort. This streamlined process ensures that you can secure a loan without unnecessary delays or complications.
Borrow Smartly
Interest is only charged for the duration you use the loan, meaning you won't pay more than necessary. This pay as you go system allows you to borrow smartly, ensuring that you only incur costs for the time you have the loan outstanding.
Quick Approval
Once you apply for a gold loan, the approval process is swift and efficient, allowing you to access funds in a matter of hours. This quick turnaround ensures you can meet urgent financial needs without unnecessary waiting.
Gold Loan Interest Rates in Junagadh
| 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 Junagadh
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, 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 Junagadh
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 Junagadh
Gold Loan Customer Care in Junagadh
Toll Free
Gold Loan Status in Junagadh
Check your loan status online using your reference number or contact our support team for instant updates.
Gold Loan FAQs
Can I apply for a gold loan online in Junagadh?
Yes, applications are accepted through our online platform or the Shriram Finance app for a streamlined and easy experience.
What is the interest rate on gold loans in Junagadh?
The interest rates for our gold loans start from 10% 10%* p.a., with the precise rate determined by the current market valuation of your gold.
What is the tenure for a gold loan in Junagadh?
We provide repayment tenures that range from 1 month to 12 months, offering flexibility. We offer repayment periods spanning from 1 month to 12 months, providing adaptable options.
Can I get a gold loan for any type of gold in Junagadh?
Yes, we provide loans against gold ornaments and coins that have a purity level between 18 and 22 karats.
Is there a maximum or minimum limit for a gold loan in Junagadh?
The loan amount is determined by the present market worth of your gold, and we offer financing of up to 75% of that value.
What documents are required to apply for a gold loan in Junagadh?
You will require proof of identification (including Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) and proof of address (including Aadhaar Card, Passport, Driver's Licence, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill).
Are there any prepayment penalties on gold loans in Junagadh?
Generally, Shriram Finance does not impose penalties for early loan repayment, enabling you to pay off your loan before the scheduled date without incurring extra fees. It is recommended to check your loan contract for specific details.
How can I check the status of my gold loan application in Junagadh?
After submitting your application, you will receive updates regarding its progress. You can also monitor it online or reach out to our customer support department.
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.
