Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Ramgarh
In Ramgarh, gold is more than just a decorative metal; it is an asset that offers financial security during uncertain times. Many families rely on their gold holdings as a backup for emergencies, making it a trusted resource in times of need. Instead of selling your precious jewellery, a gold loan allows you to unlock its value and secure funds instantly. A gold loan is a practical way to meet urgent financial requirements, whether for medical treatment, higher education, or expanding a business. By pledging your gold, you can access funds quickly without the need for extensive paperwork or a high credit score. Gold loans in Ramgarh offer a seamless borrowing experience, ensuring that you get the money you need without any hassle. At Shriram Finance, we provide gold loans with flexible repayment tenures ranging from 1 to 12 months, allowing you to choose a repayment plan that suits your financial situation. Our interest rates start at 10%* p.a., making borrowing cost effective. We prioritise simplicity, offering an easy online application process with minimal documentation. With our quick approval system, funds are disbursed promptly so you can meet your financial obligations without delays. If you need immediate financial assistance, your gold can be the solution. Apply for a gold loan with Shriram Finance today and enjoy a smooth and secure borrowing process. Visit your nearest branch or apply online for a hassle free experience.
Features and Benefits of Gold Loans in Ramgarh
Gold loans from Shriram Finance in Ramgarh offer a convenient and efficient way to access funds during financial emergencies. Our easy application process ensures quick approvals with minimal hassle.
Borrow Smartly
Interest is calculated only for the duration of the loan, helping you manage costs better. Early repayment means lower interest, making your loan more affordable.
Low Rate of Interest
With rates starting at 10%* p.a., we offer cost effective gold loans to suit your financial needs. Our transparent approach ensures you are always aware of your repayment obligations.
Flexible Tenure
Repayment terms range from 1 month to 12 months, allowing you to repay at your own pace. This flexibility ensures financial comfort without unnecessary pressure.
Minimal Documentation
Our hassle free process requires only essential KYC documents, making loan approval simple. This allows you to secure a loan without excessive paperwork.
Maximum Finance
Get a loan of up to 75% of your gold's market value, ensuring you receive the highest possible amount. This helps in meeting urgent expenses without parting with your gold.
Quick Approval
With a fast and efficient approval process, you get access to funds when you need them the most. Our streamlined system ensures minimal waiting time.
Gold Loan Interest Rates in Ramgarh
| 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 Ramgarh
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 Ramgarh
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 them.
Step 3:
Visit their branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Ramgarh
Gold Loan Customer Care in Ramgarh
Toll Free
Gold Loan Status in Ramgarh
Monitoring your gold loan status in Ramgarh is simple. Use your reference number on our website or reach out to our customer support team for updates. Take control of your finances with a potential gold loan solution from Shriram Finance.
Gold Loan FAQs
Can I apply for a gold loan online in Ramgarh?
Yes, applying for a gold loan in Ramgarh is convenient through Shriram Finance's online platforms. You can easily initiate and complete your gold loan application by visiting our official website or utilising our dedicated mobile application.
What is the interest rate on gold loans in Ramgarh?
The interest rates for gold loans in Ramgarh at Shriram Finance are competitive, starting from 10%* p.a. It's important to understand that the final interest rate applicable to your specific loan will depend on the prevailing market value of the gold you are pledging as collateral.
What is the tenure for a gold loan in Ramgarh?
You may repay the loan over a period of 1 to 12 months. This allows you to choose a loan duration that best suits your individual financial circumstances and repayment capacity.
Can I get a gold loan for any type of gold in Ramgarh?
Gold jewellery and coins between 18 and 22 carats are accepted for our loan services.
Is there a maximum or minimum limit for a gold loan in Ramgarh?
Loan amounts are determined by the gold's value, with a maximum of 75% of the valuation available.
What documents are required to apply for a gold loan in Ramgarh?
Required documents include 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 Ramgarh?
Generally, no prepayment penalties apply but check your loan agreement for precise details.
How can I check the status of my gold loan application in Ramgarh?
We'll keep you updated on your loan application's progress after we evaluate your application.
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.
