Gold Loan FAQs
Explore gold loan options with our comprehensive FAQs. Find clear, concise answers to help you secure the one of the best loan terms.
- Posted:30th December, 2025
- Updated:30th December, 2025
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When a gold loan remains unpaid beyond the agreed terms, lenders are permitted to auction the pledged jewellery to recover outstanding dues.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
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When you take a gold loan, GST doesn’t apply to the interest you pay.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
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https://www.shriramfinance.in/financial-faqs-gold-loan - 46
During closure of your gold loan, the lender should hand back your ornaments in the same condition they took them in.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
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https://www.shriramfinance.in/financial-faqs-gold-loan - 42
Gold loan rates don’t float in isolation.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-gold-loan - 4616
The interest payable on a ₹1 lakh gold loan depends on the interest rate offered by the lender and the tenure of the loan.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-gold-loan - 4117
Higher interest rates tend to make gold loans more expensive for borrowers. When you pledge your gold to take a loan, the interest you pay is directly affected by the prevailing rates set by lenders. As interest rates rise, your monthly repayments or the total interest outgo also increases, which can make gold loans less appealing if you are looking for affordable borrowing options.
- Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-gold-loan - 4166
Repaying a gold loan on time can definitely help improve your CIBIL™ score and overall credit profile.
Read More Popular FAQs
- Can joint ownership of gold affect eligibility and loan disbursal?
- Can I use a gold loan to consolidate existing debts and what are the benefits?
- How is the gold loan process adapted for emergency or short-term financial needs?
- How does the loan sanction process differ for digital gold loans versus personal gold loans?
- How do seasonal gold price trends influence gold loan interest and tenure?
- How do lenders verify the authenticity of gold coins versus jewellery?
- How do lenders use credit scoring models specifically tailored for gold loan borrowers?
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