Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Roorkee
Gold loans in Roorkeee are an excellent option for quickly obtaining funds. They provide a dependable means to unlock the value of your gold assets. Instead of selling your precious gold jewellery or coins, you can utilise their worth to address immediate financial requirements. This approach allows you to retain ownership of your valuable items while still benefiting from their value. Customers can benefit significantly from the offerings of Shriram Finance. We are well known for our efficient application process, rapid approval times, and flexible repayment options, making us an ideal choice for individuals and businesses needing swift financial assistance. Our understanding of the business landscape in Roorkeee enables us to offer tailored solutions that meet your specific needs. We offer adaptable tenures ranging from 1 month to 12 months, allowing you to choose a repayment period that suits your financial situation. Our competitive interest rates start at 10%* per annum, making our gold loans a cost effective option for accessing funds. Whether you need capital for personal expenses, business investments, or any other financial requirement, Shriram Finance is here to help you secure the capital you need promptly and efficiently. By choosing Shriram Finance, you can rest assured that you are working with a trusted partner who understands the local market and is committed to providing excellent service. Our gold loans are designed to offer you the financial flexibility you need without the hassle of selling your valuable assets. Let us help you unlock the potential of your gold and achieve your financial goals.
Features and Benefits of Gold Loans in Roorkee
Shriram Gold Loans come with quite a few attractive features and benefits:
Maximum Finance
Gold loans are offered for amounts up to 75%* of the market value of the gold pledged as collateral. This allows you to unlock a significant portion of your gold's value without having to sell it.
Minimal Documentation
The process is designed to be hassle free, with minimal paperwork required. This streamlined approach ensures that you can access the funds you need quickly and efficiently.
Borrow Smartly
You only pay interest for the period you use the gold loan. This flexible payment structure helps you manage your expenses effectively and avoid unnecessary interest charges.
Quick Approval
The loan approval process is reliable and fast, with minimal documentation needed. This means you can get the funds you need in a timely manner, making it ideal for urgent financial requirements.
Low Rate of Interest
Interest rates for gold loans start from 10%* p.a., providing a competitive option compared to other forms of credit.
Flexible Tenure
You have the flexibility to repay your loan at any time, with a minimum loan duration of one month. The loan tenure can range from one month to one year, allowing you to choose a repayment schedule that suits your financial situation. This flexibility ensures that you can manage your loan comfortably without feeling rushed or constrained.
Gold Loan Interest Rates in Roorkee
| 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 Roorkee
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 Roorkee
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 Roorkeee
Gold Loan Customer Care in Roorkee
Toll Free
Gold Loan Status in Roorkee
To check the status of your gold loan application, visit the Shriram Finance website and enter your application reference number. You can also contact customer care. Choose Shriram Finance today to fulfil your financial goals in Roorkee.
Gold Loan FAQs
Can I apply for a gold loan online in Roorkee?
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 Roorkee?
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 Roorkee?
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 Roorkee?
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 Roorkee?
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 Roorkee?
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 Roorkee?
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 Roorkee?
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.
