Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Siliguri
Gold holds immense cultural and emotional value in many households across Siliguri, often cherished as a family heirloom passed down through generations. Beyond its sentimental worth, gold also serves as a reliable financial asset during times of need. When unexpected expenses arise, such as medical emergencies, educational fees, business investments, or personal commitments, pledging gold can provide immediate access to funds without the need to sell your precious jewellery. Gold loans in Siliguri offer a practical way for residents to address financial challenges while ensuring their treasured possessions remain secure. Shriram Finance makes the process of availing a gold loan in Siliguri simple and hassle free. With minimal paperwork and quick approval processes, you can access funds without unnecessary delays. The interest rates are highly competitive, starting at just 10%* p.a., making it an affordable borrowing option. Flexible repayment tenures ranging from 1 to 12 months allow borrowers to choose a plan that aligns with their financial situation. Whether you require short term liquidity or prefer a structured repayment schedule, Shriram Finance provides tailored solutions to meet your specific needs.
Features and Benefits of Gold Loan in Siliguri
Shriram Finance makes the gold loan application process simple and convenient. Here are the key features and benefits that make their gold loan services stand out:
Minimal Documentation
The loan application requires only basic paperwork for a smooth process.
Maximum Finance
Borrow up to 75% of your gold's market value, assessed at the time of pledging.
Quick Approval
Get fast loan approvals to meet urgent financial needs.
Borrow Smartly
Interest is charged only for the period you utilise the loan, making repayment easier.
Low Rate of Interest
Competitive interest rates start from 10%* p.a., ensuring affordability.
Flexible Tenure
Choose a repayment period between 1 month and 1 year, depending on your needs.
Gold Loan Interest Rates in Siliguri
| 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 Siliguri
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 Siliguri
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 Siliguri
Gold Loan Customer Care in Siliguri
Toll Free
Gold Loan Status in Siliguri
You can track your gold loan status on our website by entering the reference number. Alternatively, reach out to our customer care team for updates. Take the first step towards your financial goals with our gold loan today.
Gold Loan FAQs
Can I apply for a gold loan online in Siliguri?
Yes, you can easily apply for a gold loan online from the comfort of your home in Siliguri through our official website or the Shriram Finance mobile app.
What is the interest rate on gold loans in Siliguri?
Our interest rates begin at 10%* p.a. The final rate will depend on the market valuation of the gold you're pledging.
What is the tenure for a gold loan in Siliguri?
We offer flexible loan terms, ranging from 1 month to 12 months, to align with your personal financial needs.
Can I get a gold loan for any type of gold in Siliguri?
Shriram Finance in Siliguri provides loans against gold jewellery and coins with purity levels between 18 and 22 carats.
Is there a maximum or minimum limit for a gold loan in Siliguri?
The amount you can borrow is based on your gold's market value, and we can finance up to 75% of that value.
What documents are required to apply for a gold loan in Siliguri?
You will need proof of identity (like an Aadhaar Card, Passport, Driver's Licence, Voter ID, or PAN Card) and proof of address (such as an 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 Siliguri?
Typically, Shriram Finance doesn't impose prepayment penalties, allowing you to repay early without extra charges. It's always best to review your loan agreement for the exact terms.
How can I check the status of my gold loan application in Siliguri?
After you apply, our team will process your application. We'll provide regular updates on its status.
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.
