Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Rourkela
In Rourkela, gold jewellery is not just a symbol of tradition but also a dependable financial resource. It holds immense sentimental and monetary value, making it an ideal asset to leverage during times of financial need. Gold loans in Rourkela provide a convenient and efficient way to access funds without having to sell your cherished possessions. Whether it's for personal expenses, business investments, or unforeseen emergencies, these loans offer a practical solution tailored to your requirements. Shriram Finance understands the financial priorities of Rourkela's residents and provides a seamless borrowing experience. With competitive interest rates starting at 10%* p.a. and repayment tenures ranging from 1 to 12 months, Shriram Finance ensures affordability and flexibility. The process is designed to be transparent and hassle free, with minimal documentation requirements and quick approvals, enabling you to unlock the value of your gold assets securely and efficiently. Choosing Shriram Finance for your gold loan in Rourkela means opting for a reliable financial partner that prioritises your needs. With a focus on trust, convenience, and customer satisfaction, Shriram Finance offers a smooth borrowing journey that helps you meet your financial goals effortlessly. Take the first step toward financial freedom today-apply online or visit your nearest Shriram Finance branch in Rourkela!
Features and Benefits of Gold Loans in Rourkela
Shriram Finance's gold loans in Rourkela are designed to offer maximum convenience and flexibility. Here are the standout features and benefits:
Minimal Documentation
The loan application process is simple, requiring only essential documents.
Maximum Finance
Secure up to 75% of your gold's market value, determined by its pledged worth.
Low Rate of Interest
Competitive interest rates start at 10%* p.a., ensuring cost effective borrowing.
Flexible Tenure
Choose a repayment tenure ranging from 1 month to 1 year, with a minimum of 1 month.
Borrow Smartly
Pay interest only for the duration you utilise the loan, making it a financially efficient choice.
Quick Approval
Receive swift approvals and access funds without unnecessary waiting.
Gold Loan Interest Rates in Rourkela
| 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 Rourkela
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 Rourkela
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 Rourkela
Gold Loan Customer Care in Rourkela
Toll Free
Gold Loan Status in Rourkela
Check your gold loan status by entering your reference number on our website. You can also contact our customer service team for updates. With Shriram Finance's gold loans in Rourkela, accessing funds has never been easier. Our loans offer flexibility, reliability, and security, helping you achieve your financial goals without any stress.
Gold Loan FAQs
Can I apply for a gold loan online in Rourkela?
Yes, you can apply for a gold loan online through our official website or the Shriram Finance mobile app.
What is the interest rate on gold loans in Rourkela?
The interest rate starts at 10%* p.a., with the final rate based on the market value of your pledged gold.
What is the tenure for a gold loan in Rourkela?
You can choose a repayment period between 1 month and 12 months, depending on your needs.
Can I get a gold loan for any type of gold in Rourkela?
Shriram Finance provides loans against gold ornaments and coins with purity levels between 18 and 22 carats.
Is there a maximum or minimum limit for a gold loan in Rourkela?
The loan amount is determined by the market value of your gold, with up to 75% financing available.
What documents are required to apply for a gold loan in Rourkela?
You will need identity proof (Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) and address proof (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 Rourkela?
Shriram Finance generally does not charge prepayment penalties, allowing you to repay early without extra fees. However, check your loan agreement for details.
How can I check the status of my gold loan application in Rourkela?
Once your application is submitted, our representatives will process it and provide timely updates.
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.
