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:19th August, 2025
- Updated:19th August, 2025
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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-loans - 163
Negotiating better terms for your personal loan is a wise and practical way to reduce your borrowing costs and ensure the loan fits your financial needs.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 1652
Repaying a gold loan on time can definitely help improve your CIBIL™ score and overall credit profile.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 149
Your employment status is very important in the personal loan approval process, as lenders rely on it to assess your financial stability and repayment capability.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 2237
As of May 2025, you cannot get a gold loan by pledging gold bars, bullion, or any other raw or semi-finished forms of gold.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 147
Before you sign a personal loan agreement it is essential to read every detail carefully and understand the implications of each clause.
Read More - Posted:19th August, 2025
- Updated:19th August, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 1795
Yes, a gold loan can become a Non-Performing Asset (NPA) if you do not repay the outstanding dues within the agreed period.
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