Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Sarkaghat
Gold loans in Sarkaghat are a widely used method for quickly obtaining money. They provide a trustworthy solution for unlocking the value of your gold assets. Rather than selling your treasured gold, you can utilise their worth to meet immediate financial requirements. You can take advantage of the services offered by Shriram Finance. At Shriram Finance, we are recognised for our efficient application process, rapid disbursement times, and flexible repayment plans, making us an excellent choice for both individuals and businesses in need of prompt financial support. With adaptable tenures ranging from 1 month to 12 months and competitive interest rates starting at 10%* p.a., we are well acquainted with the business landscape in Sarkaghat. By simplifying the application process, we enable you to secure capital without delay. Gold loans are particularly beneficial as they allow you to retain ownership of your gold while still accessing its value. This means you can meet your financial needs without having to part with your precious assets. With Shriram Finance, you can confidently unlock the value of your gold assets and address your financial needs efficiently. Our competitive interest rates, flexible tenures, and quick disbursement times make us a preferred choice for those seeking immediate financial assistance.
Features and Benefits of Gold Loans in Sarkaghat
Features of a Gold Loan offered by Shriram Finance are explained as seen below:
Minimal Documentation
The process involves minimal paperwork and is hassle free. This means you can avoid the usual bureaucratic hurdles and get your loan approved swiftly. The streamlined documentation process ensures that you spend less time on paperwork and more time addressing your financial needs.
Maximum Finance
Gold loans are offered in loan amounts of up to 75%* of the market value of the gold pledged as collateral or security. This high loan to value ratio ensures that you can unlock a significant portion of your gold's value, providing you with ample funds to meet your financial requirements.
Low Rate of Interest
Interest rates start at 10%* p.a. Competitive interest rates make gold loans an attractive option for borrowers. The lower the interest rate, the less you will pay over the life of the loan, making it a cost effective solution to your financial needs.
Flexible Tenure
Pay your loan back whenever you want, but there is a minimum loan duration of 1 month. Loan tenure ranges from 1 month to 1 year. This flexibility allows you to choose a repayment schedule that best fits your financial situation, giving you the freedom to repay the loan at your own pace.
Quick Approval
Reliable and fast loan approval with minimal documentation. The quick approval process ensures that you can access the funds you need without unnecessary delays, making it an ideal solution for urgent financial needs.
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Gold Loan Interest Rates in Sarkaghat
| 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 Sarkaghat
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 Sarkaghat
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 Sarkaghat
Gold Loan Customer Care in Sarkaghat
Toll Free
Gold Loan Status in Sarkaghat
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 and enjoy a blissful goal loan experience in Sarkaghat.
Gold Loan FAQs
Can I apply for a gold loan online in Sarkaghat?
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 Sarkaghat?
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 Sarkaghat?
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 Sarkaghat?
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 Sarkaghat?
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 Sarkaghat?
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 Sarkaghat?
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 Sarkaghat?
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.
