Loans FAQs
Explore various loan options with our detailed FAQs. Access clear, concise information to choose the most suitable financing solutions for your needs.
- Posted:30th December, 2025
- Updated:30th December, 2025
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172
Yes, an ongoing gold loan can generally be shifted from one lender to another through a balance transfer, provided the process is followed correctly and your current lender has such a provision.
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https://www.shriramfinance.in/financial-faqs-loans - 145
In most cases, gold loans require the borrower to visit the lender’s branch in person.
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https://www.shriramfinance.in/financial-faqs-loans - 139
Yes, they can — but the effect is usually gradual.
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https://www.shriramfinance.in/financial-faqs-loans - 148
The core lending norms for gold loans — valuation, Loan-to-Value (LTV) ratio, and collateral rules — stay the same everywhere, as all lenders follow RBI’s directions.
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https://www.shriramfinance.in/financial-faqs-loans - 170
When a gold loan remains unpaid beyond the agreed terms, lenders are permitted to auction the pledged jewellery to recover outstanding dues.
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https://www.shriramfinance.in/financial-faqs-loans - 153
When you take a gold loan, GST doesn’t apply to the interest you pay.
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https://www.shriramfinance.in/financial-faqs-loans - 155
During closure of your gold loan, the lender should hand back your ornaments in the same condition they took them in.
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