Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Narkanda
Gold loans in Narkanda are a practical method for swiftly obtaining funds, providing a steady way to utilise the value of your gold items. Rather than selling your gold jewellery or coins, you have the option to leverage their value to address immediate financial requirements. You can benefit from the gold loan services provided throughout the country by Shriram Finance. At Shriram Finance, we are recognised for our efficient application process, rapid disbursement times, and adaptable repayment options, positioning us as an excellent choice for individuals and businesses in search of prompt financial support. We are familiar with the Narkanda business landscape, offering flexible terms from 1 month up to 12 months and appealing interest rates starting from 10% per annum. By simplifying the application procedure, Shriram Finance enables you to acquire capital without delays. By opting for a gold loan, you retain ownership of your gold assets while unlocking their value to meet your financial needs. Our commitment to customer satisfaction and our tailored approach to lending make us a trusted partner in Narkanda. Our streamlined processes ensure that you can access funds without unnecessary delays, providing a reliable solution for personal expenses, business investments, or emergency situations. With unwavwering support, you can navigate financial challenges confidently and efficiently. This makes Shriram Finance a valuable resource for anyone looking to leverage their gold assets in Narkanda.
Features and Benefits of Gold Loans in Narkanda
Shriram Gold Loans are equipped with a variety of appealing features and advantages:
Flexible Tenure
Repay the loan whenever required, with a minimum term of one month and a maximum of one year. This flexibility allows you to align your loan repayments with your financial plans, providing peace of mind and reducing financial stress. You can choose a repayment period that best suits your financial situation.
Minimal Documentation
Our gold loan process in Hamirpur involves minimal paperwork, ensuring that you can access funds quickly and easily. This streamlined approach saves time and effort, making it ideal for urgent financial needs. You won't have to deal with extensive documentation, allowing you to focus on your immediate financial requirements.
Borrow Smartly
Interest is charged only for the duration you use the loan, helping you save on costs. This feature is particularly beneficial if you require funds for a short period, as it minimises your overall loan expenses. By paying interest only at the time you use the loan, you can manage your finances more efficiently.
Low Rate of Interest
Gold loan interest rates start at 10%* p.a., making borrowing cost effective and affordable. This competitive rate helps you manage your loan costs effectively, ensuring that you can meet your financial obligations without undue strain.
Maximum Finance
Obtain up to 75%* of your pledged gold's market value as a loan. This ensures you get the best possible value for your gold while keeping it safe. Whether you need funds for medical expenses, education, or business needs, this high loan to value ratio provides you with the financial flexibility you need.
Quick Approval
Benefit from a smooth and quick loan approval process with minimal paperwork. Our efficient system ensures prompt access to funds when you need them most. This quick turnaround is essential in urgent financial situations.
Gold Loan Interest Rates in Narkanda
| 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 Narkanda
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 Narkanda
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 Narkanda
Gold Loan Customer Care in Narkanda
Toll Free
Gold Loan Status in Narkanda
Check status of your gold loan application, via our website and enter your application reference number. You can also reach out to our contact customer care for real time updates. Choose Shriram Finance today to enjoy a peaceful gold loan experience in Narkanda.
Gold Loan FAQs
Can I apply for a gold loan online in Narkanda?
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 Narkanda?
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 Narkanda?
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 Narkanda?
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 Narkanda?
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 Narkanda?
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 Narkanda?
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 Narkanda?
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.
