Interest Rates Now Starting Only at 10%*
Quick Loan Disbursal
Flexible Repayment options
No Credit Check Required
Gold Loans in Valsad
In Valsad, gold has always been more than just a form of adornment; it is a secure and trusted financial asset. Many individuals in the city keep gold jewellery as a safeguard for emergencies or unexpected expenses, knowing that it can easily be transformed into liquid funds through a gold loan. A gold loan provides a quick and efficient way to access money by pledging your gold as collateral. It is a popular option for those who need financial support but wish to avoid selling their gold or other valuable assets. Shriram Finance offers reliable and flexible gold loans in Valsad, with loan tenures that can range from 1 to 12 months. With interest rates starting at 10%* p.a., you can enjoy competitive rates and manageable repayment terms. The loan approval process is swift, and the documentation required is minimal, ensuring that borrowers can access funds without unnecessary delays. For individuals in Valsad looking to leverage the value of their gold, Shriram Finance provides an easy and secure option. Contact Shriram Finance today to find out how you can benefit from their gold loan services and address your financial needs efficiently.
Features and Benefits of Gold Loans in Valsad
Gold loans in Valsad provide an excellent way to meet financial needs by leveraging the value of your gold. Below are the key features and benefits of our gold loans:
Flexible Tenure:
The loan tenure for gold loans is flexible, ranging from 1 to 12 months, allowing you to select a repayment period that aligns with your financial situation. This ensures greater comfort in managing your loan and repayments.
Quick Approval:
With a fast loan approval process, we ensure that you receive funds quickly when you need them most. This quick approval process helps to address urgent financial needs without delay.
Low Rate of Interest:
We offer interest rates starting from 10%* p.a., making them an affordable financing option. The competitive rates ensure that borrowing costs remain low and manageable for borrowers.
Borrow Smartly:
You are only charged interest for the time your loan is active, which allows you to borrow smartly and avoid unnecessary charges. This feature is particularly helpful for borrowers who need short term financial support.
Minimal Documentation:
The application process for gold loans requires minimal documentation, ensuring that obtaining a loan is quick and easy. This simple process eliminates the need for excessive paperwork, speeding up the approval and disbursement of funds.
Maximum Finance:
You can access up to 75% of your gold's current value, providing significant financial assistance. This high loan to value ratio allows you to meet your immediate financial needs without having to sell your gold.
Gold Loan Interest Rates in Valsad
| 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 Valsad
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 Valsad
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 Valsad
Gold Loan Customer Care in Valsad
Toll Free
Gold Loan Status in Valsad
Easily monitor your gold loan status in Valsad. Use your reference number online or connect with our support team for immediate updates.
Gold Loan FAQs
Can I apply for a gold loan online in Valsad?
Yes, you can apply through our website or the Shriram Finance mobile app, ensuring a quick and convenient process.
What is the interest rate on gold loans in Valsad?
Our gold loan interest rates begin at 10%* p.a., with the exact rate determined by the current market value of your gold.
What is the tenure for a gold loan in Valsad?
We provide repayment tenures that range from 1 month to 12 months, offering flexible options.
Can I get a gold loan for any type of gold in Valsad?
Yes, we accept loans against gold jewellery and coins with a purity of 18 to 22 carats.
Is there a maximum or minimum limit for a gold loan in Valsad?
The loan amount is based on your gold's current market value, with financing available up to 75% of that value.
What documents are required to apply for a gold loan in Valsad?
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 Valsad?
Shriram Finance typically does not charge prepayment penalties, allowing for early repayment without extra costs. However, it's advisable to review your loan agreement for specific terms.
How can I check the status of my gold loan application in Valsad?
After you apply for a gold loan, you will receive updates on your application. You can track the process online or contact our customer care team for the latest information.
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.
