Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Miraj
Do you need money fast? A gold loan in Miraj from Shriram Finance could be the answer. It's a simple way to use your gold to get the cash you need. Instead of selling your gold jewellery or coins, you can use them to get a loan. Shriram Finance, one of the biggest companies in India that gives loans, offers gold loans all over the country, and they come with some great benefits. Shriram Finance makes it easy to apply, gives you the money quickly, and offers different ways to pay it back. This makes them a good choice for people and businesses in Miraj who need money fast. Shriram Finance knows Miraj well and offers loans from 1 month to 1 year, with interest rates starting at just 10%* per year, helping you get the money you need quickly.
Features and Benefits of Gold Loans in Miraj
Opting for a Shriram Gold Loan in Miraj unlocks a range of advantageous features:
Get Good Value of Your Gold
You can get a loan for up to 75% of what your gold is worth.
Competitive Interest Rates
The interest rates start at just 10%* per year.
Pay How You Want
You can choose how you want to pay back the loan, from monthly payments to one payment at the end.
Easy Application
The process is simple and doesn't need much paperwork.
Only Pay for What You Need
You only pay interest for the time you use the loan.
Fast Cash
The loan is approved quickly, so you get your money without waiting.
Gold Loan Interest Rates in Miraj
| 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 Miraj
Proof of Address
Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Proof of Identity
Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card (If you don't have a PAN Card, you can submit Form 60). Age Be between 18 and 75 years old. Who can apply? Anyone who has a job, is self employed, owns a business, or other individuals.
Step by Step Application Process for Gold Loans in Miraj
Getting a gold loan is easy with these 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 Miraj
Gold Loan Customer Care in Miraj
Toll Free
Gold Loan Status in Miraj
To check on your gold loan application, go to our website and enter your application number. Or, you can call customer care for updates.
Gold Loan FAQs
Can I apply for a gold loan online in Miraj?
Absolutely! Shriram Finance offers a convenient online application process for gold loans in Miraj. 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 Miraj?
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 Miraj?
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 Miraj?
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 Miraj?
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 Miraj?
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 Miraj?
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 Miraj?
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.
