Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Moradabad
Moradabad is renowned for its exceptional craftsmanship and thriving brassware industry. Gold is deeply intertwined with the city's culture, often bought as jewellery, coins, or bars during auspicious occasions. It is not just a symbol of wealth and prosperity but also a preferred investment due to its liquidity and ability to hedge against inflation. In Moradabad, gold is widely seen as a reliable asset, making it a popular choice for both immediate use and long term investment. Shriram Finance provides gold loans in Moradabad to help you leverage your gold's worth to meet urgent financial requirements while retaining ownership of your valuables. We aim to offer a seamless borrowing experience, ensuring that the process is both quick and hassle free. With a straightforward application procedure and minimal documentation requirements, you can access funds promptly to address your financial needs. The competitive interest rates, starting as low as 10%* p.a., make borrowing affordable and cost effective. Additionally, Shriram Finance provides flexible repayment options with tenures ranging from 1 month to 12 months. Understanding the unique financial challenges faced by Moradabad's residents, we have tailored gold loan solutions to meet the specific needs of the community. Whether you require funds for business expansion, educational expenses, or unforeseen emergencies, the loans are designed to be accessible and secure. Ready to take the next step? Apply online or visit your nearest Shriram Finance branch in Moradabad today for quick and convenient assistance!
Features and Benefits of Gold Loans in Moradabad
Shriram Finance offers dependable and efficient gold loans in Moradabad to help you meet your financial goals. Here's how these loans stand out as a practical solution for quick access to funds:
Flexible Tenure
Loan repayment tenures range from 1 month to 1 year, with a minimum loan period of 1 month.
Maximum Finance
Get funding up to 75% of your gold's current market value.
Low Rate of Interest
Interest rates start at 10%* p.a., ensuring a budget friendly borrowing experience.
Minimal Documentation
The process is straightforward, with only a few essential documents required.
Borrow Smartly
Pay interest only for the time you utilise the loan, helping you manage finances efficiently.
Quick Approval
Benefit from fast approvals and quick access to funds.
Gold Loan Interest Rates in Moradabad
| 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 Moradabad
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 Moradabad
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 Moradabad
Gold Loan Customer Care in Moradabad
Toll Free
Gold Loan Status in Moradabad
Tracking the progress of your gold loan has never been easier. You can stay informed about your application or repayment status by visiting the Shriram Finance website and entering your reference number. For immediate updates or personalised assistance, you can contact Shriram Finance's customer care team. Secure a seamless borrowing experience with Shriram Finance in Moradabad.
Gold Loan FAQs
Can I apply for a gold loan online in Moradabad?
Yes, applying for a gold loan online is simple and convenient. You can complete the application process through the Shriram Finance website or by using their mobile app. Both platforms are user friendly and designed to ensure a hassle free experience.
What is the interest rate on gold loans in Moradabad?
Gold loan interest rates start from 10%* p.a. The final rate will depend on the market value of the pledged gold.
What is the tenure for a gold loan in Moradabad?
Choose a repayment tenure between 1 month and 12 months. This helps you select a plan that aligns with your financial preferences and repayment capacity.
Can I get a gold loan for any type of gold in Moradabad?
Shriram Finance offers gold loans for ornaments and coins with purity ranging from 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Moradabad?
Loan amounts are based on the gold's market value, with financing available for up to 75% of that value.
What documents are required to apply for a gold loan in Moradabad?
You will need identity proof (such as Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) along with address proof (such as 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 Moradabad?
Shriram Finance typically does not impose prepayment penalties, giving you the flexibility to repay early without extra charges. However, review your loan agreement for detailed terms.
How can I check the status of my gold loan application in Moradabad?
After completing the application, our representatives will evaluate your details and provide updates regarding your loan 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.
