Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Kashipur
Gold loans in Kashipur are a widely sought after method for accessing funds. They provide a dependable solution for unlocking the value of your gold assets. Instead of selling your cherished gold jewelry or coins, you can utilise their worth to address immediate financial needs. Customers can take advantage of the services offered by Shriram Finance. Shriram Finance is renowned for its efficient application process, rapid approval times and flexible repayment options, making it an excellent choice for individuals and businesses needing swift financial support. With flexible tenures ranging from 1 month to 12 months and competitive interest rates starting at 10%* p.a., Shriram Finance is well attuned to the business landscape in Kashipur and enables you to secure capital quickly.
Features and Benefits of Gold Loans in Kashipur
Features of a gold loan and its benefits offered by Shriram Finance are:
Maximum Finance
Gold loans allow borrowers to access funds up to 75%* of the market value of the gold pledged as collateral. This ensures substantial financial support without requiring the sale of valuable gold assets.
Borrow Smartly
Interest is charged only for the duration the loan is utilized, enabling borrowers to save on unnecessary interest payments. This feature makes gold loans cost effective and flexible.
Quick Approval
Gold loans are known for their fast processing and reliable approvals. With minimal documentation, borrowers can secure funds quickly, making them ideal for urgent financial needs.
Low Rate of Interest
Interest rates start at 10%* p.a., making gold loans an affordable borrowing option compared to unsecured loans. The secured nature of the loan ensures competitive rates for borrowers.
Flexible Tenure
Borrowers can repay their loans at any time within a tenure ranging from 1 month to 1 year. The minimum loan duration is one month, offering flexibility in repayment schedules based on individual financial situations.
Minimal Documentation
The application process requires basic paperwork such as identification and address proof, making it hassle free and accessible for a wide range of borrowers. No income proof or credit score is necessary, simplifying eligibility requirements.
Gold Loan Interest Rates in Kashipur
| 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 Kashipur
Address Proof
Aadhaar Card, Passport, Driver's License, 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 Kashipur
Their 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 their branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Kashipur
Gold Loan Customer Care in Kashipur
Toll Free
Gold Loan Status in Kashipur
To check the status of your gold loan application, visit our website and enter your application reference number. You can also contact customer care. Choose Shriram Finance and enjoy a peaceful borrowing experience in Kashipur.
Gold Loan FAQs
Can I apply for a gold loan online in Kashipur?
Yes, you can apply for a gold loan online. Visit our website or mobile app to apply for Shriram Gold Loan.
What is the interest rate on gold loans in Kashipur?
The interest rate starts from 10%* p.a. However, the final gold loan interest rates offered by the lender may depend on the market value of the gold pledged as security.
What is the tenure for a gold loan in Kashipur?
You can choose a loan tenure starting from 1 month up to 12 months.
Can I get a gold loan for any type of gold in Kashipur?
Shriram Finance provides gold loans for 18 to 22 carats gold ornaments and coins.
Is there a maximum or minimum limit for a gold loan in Kashipur?
The loan amount will depend on your gold. Loans up to 75% of your gold value are offered.
What documents are required to apply for a gold loan in Kashipur?
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 Kashipur?
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 Kashipur?
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.
