Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Saharanpur
In Saharanpur, gold has long been a trusted asset and is valued for its cultural significance and financial security. Families often invest in gold, not just as jewellery but also as a safeguard for future financial needs. When an urgent financial requirement arises, a gold loan offers a practical way to access funds without selling your valuable ornaments. By pledging your gold, you can secure a loan while retaining ownership, making it a convenient and reliable borrowing option. Whether you need money for medical expenses, education, business expansion, or other personal commitments, a gold loan provides quick financial assistance. With minimal paperwork and fast processing, you can obtain funds without the lengthy procedures associated with traditional loans. At Shriram Finance, we provide **gold loans in Saharanpur** with flexible repayment tenures ranging from **1 month to 12 months**, ensuring that repayment is convenient for you. Our competitive interest rates start at **10%* p.a.**, making borrowing affordable. The application process is simple, requiring minimal documentation, and our quick approval system ensures that you receive funds without unnecessary delays. You can even apply online, making the entire process hassle free. If you need immediate financial support, Shriram Finance offers a secure and transparent gold loan solution. **Apply now and unlock the value of your gold while keeping your future secure!**
Features and Benefits of Gold Loans in Saharanpur
Find out the key features and benefits of gold loans offered by Shriram Finance:
Maximum Finance
You can access up to 75% of your gold's market value, allowing you to obtain substantial funds secured by your gold.
Quick Approval
Take advantage of rapid loan approvals and minimal paperwork, so you can get the money you need without any hassle.
Borrow Smartly
Interest is applied only for the time your loan is active.
Low Rate of Interest
Our competitive rates start at just 10%* p.a., making it easier to borrow.
Flexible Tenure
Repay your loan at your convenience, with terms ranging from one month to twelve months.
Minimal Documentation
The application process is straightforward and requires very little documentation.
Gold Loan Interest Rates in Saharanpur
| 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 Saharanpur
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 Saharanpur
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 us.
Step 3:
Visit our branch with your gold assets.
Step 4:
Complete verification and receive the loan amount.
Our Gold Loan Branches in Saharanpur
Gold Loan Customer Care in Saharanpur
Toll Free
Gold Loan Status in Saharanpur
Monitor your gold loan status with ease in Saharanpur. Use your reference number online or contact our support team for quick updates. Discover the benefits of secure and efficient gold loans with Shriram Finance in Saharanpur.
Gold Loan FAQs
Can I apply for a gold loan online in Saharanpur?
Yes, Shriram Finance provides the convenience of applying for a gold loan online in Saharanpur. You can easily initiate the process through our official website or by using our dedicated mobile application.
What is the interest rate on gold loans in Saharanpur?
The interest rates for gold loans with Shriram Finance in Saharanpur are designed to be competitive, starting from 10% p.a. It's important to note that the final interest rate applicable to your specific gold loan may be subject to variations based on the current market value of the gold you pledge as collateral.
What is the tenure for a gold loan in Saharanpur?
Shriram Finance in Saharanpur offers flexible repayment options for your gold loan needs. You have the option to choose a loan tenure that suits your financial planning, with durations ranging from a minimum of 1 month to a maximum of 12 months.
Can I get a gold loan for any type of gold in Saharanpur?
For gold loans in Saharanpur, Shriram Finance typically accepts gold jewellery and gold coins that have a purity level between 18 and 22 carats.
Is there a maximum or minimum limit for a gold loan in Saharanpur?
The amount of gold loan you can avail at Shriram Finance in Saharanpur is primarily determined by the prevailing market value of the gold you are offering as security. Generally, we provide loan amounts that can go up to 75% of the appraised value of your gold.
What documents are required to apply for a gold loan in Saharanpur?
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 Saharanpur?
Generally, Shriram Finance does not charge any prepayment fees, allowing you to repay early without incurring additional costs. Please review the specific terms in your loan agreement.
How can I check the status of my gold loan application in Saharanpur?
Once you apply, our representatives will evaluate your application and keep you informed about the status of 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.
