Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Una
Gold loans in Una are an easy way to quickly obtain funds. They provide a dependable solution for unlocking the value of your gold assets. Rather than selling your cherished gold jewellery or coins, you can utilise their worth to meet immediate financial needs. You can benefit from Shriram Finance, which offers Gold Loan options across the nation. At Shriram Finance, we are well regarded for our efficient application process, rapid disbursement times, and flexible repayment options, making us an excellent choice for both individuals and businesses in need of prompt financial assistance. With adaptable tenures ranging from 1 month to 12 months and competitive interest rates starting at 10%* p.a., we are attuned to the business environment in Una. By simplifying the application process, Shriram Finance enables you to secure capital swiftly. Gold loans are particularly advantageous 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. Our streamlined procedures ensure that you can obtain a loan quickly and with minimal hassle. Our flexible repayment plans mean you can choose a tenure that best suits your financial situation, making it easier to manage repayments. 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 Una
Features of a Gold Loan and its benefits offered by Shriram Finance are:
Flexible Tenure
Pay your loan back whenever you want, but there is a minimum loan duration of 1 month. The 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.
Minimal Documentation
The process involves minimal paperwork and is hassle free. At Shriram Finance, we ensure that you avoid the usual bureaucratic hurdles, making the loan approval process swift and straightforward. This means you can focus on your financial needs rather than getting bogged down by extensive documentation.
Maximum Finance
Gold loans are offered for 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 from 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 for your financial needs.
Borrow Smartly
Pay interest only for the period the gold loan is used for. This feature allows you to manage your finances more effectively by ensuring that you only pay for the time you actually need the loan. It helps in reducing the overall cost of borrowing and makes the loan more affordable.
Quick Approval
Reliable and faster loan approvals with minimal documentation. At Shriram Finance, we pride ourselves on our quick approval process, ensuring that you can access the funds you need without unnecessary delays. This makes it an ideal solution for urgent financial needs.
Gold Loan Interest Rates in Una
| 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 Una
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 Una
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 Una
Gold Loan Customer Care in Una
Toll Free
Gold Loan Status in Una
To check the status of your gold loan application with Shriram Finance, visit our website and enter your application reference number. You can also contact customer care. Choose Shriram Finance today to meet your financial goals in Una.
Gold Loan FAQs
Can I apply for a gold loan online in Una?
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 Una?
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 Una?
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 Una?
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 Una?
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 Una?
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 Una?
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 Una?
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.
