Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Pathanamthitta
Are you a resident of Pathanamthitta seeking a quick and easy method to access some extra funds? Do you possess gold assets that you would be willing to use to help you meet your financial goals, or manage unexpected expenses? Taking out a Gold Loan in Pathanamthitta from Shriram Finance provides a dependable way to unlock the financial potential held within your gold items, without needing to sell those valued possessions. Shriram Finance is a recognised and trusted name within the financial industry, and are known for their commitment to providing accessible, dependable, and tailored gold loan services that are specifically designed to meet the unique requirements of all our customers. The combination of clear and manageable repayment options, together with highly competitive interest rates means that choosing a Gold Loan in Pathanamthitta with Shriram Finance could be the perfect solution to help you to meet your individual financial objectives. We appreciate that our customers' time is valuable, so Shriram Finance always strives to keep our loan application process as streamlined and efficient as possible.
Features and Benefits of Gold Loans in Pathanamthitta
There are a wide range of appealing features and benefits associated with choosing a gold loan with Shriram Finance in Pathanamthitta:
Take Advantage of Competitive Interest Rates:
You can benefit from our competitive interest rates, which start from just 10%* per annum.
Flexible Repayment Plans:
Design a repayment schedule that works for you and meets your individual needs and circumstances. Our minimum loan duration is 1 month, and the maximum loan duration is 1 year, offering flexibility and convenience.
Maximise Borrowing Potential:
Shriram Finance is often able to offer loans of up to 75% of the current market value of your gold items. Gold loans are offered for loan amounts of up to 75% of the market value of the gold pledged as collateral or security.
Borrow Smartly:
With Shriram Finance, you only pay interest for the period that the gold loan is used for.
Minimal Documentation:
The application process is designed to be simple and straightforward, involving minimal paperwork and ensuring a hassle free experience.
Quick Loan Approval:
Our processes have been carefully designed to ensure reliable and faster loan approvals with minimal documentation required.
Gold Loan Interest Rates in Pathanamthitta
| 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 Pathanamthitta
Proof of Address
Any one of the following: Aadhaar Card, Passport, Driver's License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.
Proof of Identity
Any one of the following: Aadhaar Card, Passport, Driver's License, Voter ID, or PAN Card. (If you do not have a PAN Card, you can submit Form 60). Age Requirement Applicants must be between 18 and 75 years* of age. Applicant Type Individuals who are salaried, self employed, professionals, business owners, and others, are eligible to apply.
Step by Step Application Process for Gold Loans in Pathanamthitta
Applying for a gold loan with Shriram Finance is a clear and straightforward process, and can be completed in just four 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 Pathanamthitta
Gold Loan Customer Care in Pathanamthitta
Toll Free
Gold Loan Status in Pathanamthitta
To check the status of your gold loan application, simply visit our website and enter the application reference number that you were provided with when you applied. Alternatively, you can contact a member of our customer care team for real time updates on the progress of your loan application.
Gold Loan FAQs
Can I apply for a gold loan online in Pathanamthitta?
Yes, absolutely! You can easily apply for a gold loan online by visiting our website or by downloading the Shriram Finance mobile app. Applying has never been easier!
What is the interest rate on gold loans in Pathanamthitta?
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 Pathanamthitta?
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 Pathanamthitta?
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 Pathanamthitta?
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 Pathanamthitta?
You will typically need to provide proof of identity (such as a valid Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card), and proof of address (such as a valid 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 Pathanamthitta?
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 Pathanamthitta?
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.
