Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Kota
Gold is more than just a treasured possession for the people of Kota-it is a valuable financial asset that can be utilised in times of need. In a city renowned for its thriving education sector and expanding business landscape, having quick access to funds can be essential. Whether it's for education fees, medical expenses, business expansion, or unexpected financial needs, a gold loan provides a convenient way to secure funds without selling your gold. A gold loan allows you to pledge your gold ornaments as collateral and receive funds instantly. This secured loan offers a quick solution to financial emergencies with minimal paperwork and a simple approval process. You can borrow confidently, knowing that your gold remains yours while helping you meet urgent or planned expenses. To support your financial goals, Shriram Finance offers gold loans in Kota, ensuring a smooth and hassle free borrowing experience. With competitive interest rates starting at 10%* p.a. and flexible repayment tenures ranging from 1 month to 1 year, you can choose a loan plan that suits your needs. The process is straightforward, with minimal documentation and quick loan approvals, so you get access to funds without delays. If you need immediate financial assistance, a gold loan can be the ideal solution. Apply with Shriram Finance in Kota today and get funds quickly with a simple and transparent process. Visit your nearest branch or apply online to get started!
Features and Benefits of Gold Loans in Kota
Here are the features and benefits of our gold loan services in Kota:
Borrow Smartly
Interest is charged only for the duration of your loan, ensuring that you pay only for the period you use the funds. This helps in managing your expenses effectively without unnecessary interest costs.
Flexible Tenure
Choose a repayment period that fits your financial situation, ranging from 1 month to 12 months. This flexibility allows you to plan your repayments conveniently without added stress.
Quick Approval
Get access to funds without long waiting periods, thanks to a hassle free and efficient approval process. With minimal paperwork, you can secure a loan quickly and address your financial needs without delay.
Low Rate of Interest
Shriram Finance offers gold loans with competitive interest rates starting at 10%* p.a., making it an affordable borrowing option. This ensures that you get the funds you need while keeping your repayment manageable.
Maximum Finance
Avail up to 75% of your gold's market value, allowing you to get the highest possible loan amount based on your gold's worth. This ensures you have sufficient funds for personal or business needs without selling your gold.
Minimal Documentation
The loan process is simple, requiring only essential documents for verification. With reduced paperwork, you can experience a smooth and convenient borrowing journey.
Gold Loan Interest Rates in Kota
| 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 Kota
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 Kota
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 Kota
Gold Loan Customer Care in Kota
Toll Free
Gold Loan Status in Kota
To track your gold loan application, visit our website and enter your reference number. You can also reach out to customer care for real time updates on your loan status. By choosing Shriram Finance, you can have a seamless borrowing experience that aligns with your financial needs in Kota.
Gold Loan FAQs
Can I apply for a gold loan online in Kota?
Yes, you can apply for a gold loan online by visiting our website or using the Shriram Finance mobile app.
What is the interest rate on gold loans in Kota?
The interest rate starts at 10%* p.a. However, the final rate may depend on the market value of the gold you pledge.
What is the tenure for a gold loan in Kota?
You can choose a loan tenure that ranges from 1 month to 12 months.
Can I get a gold loan for any type of gold in Kota?
Shriram Finance offers gold loans for ornaments and coins with a purity of 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Kota?
The amount you can borrow depends on your gold. Loans are available for up to 75% of your gold's value.
What documents are required to apply for a gold loan in Kota?
You will typically need 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 Kota?
Shriram Finance generally does not charge prepayment penalties. This means you can pay off your loan early without additional costs. Be sure to check your loan agreement for specific terms.
How can I check the status of my gold loan application in Kota?
After you apply, you will receive updates on your application status. You can also contact customer care for more information.
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.
