Loans FAQs

Explore various loan options with our detailed FAQs. Access clear, concise information to choose the most suitable financing solutions for your needs.

Choose Category

Can I receive a loan against jewellery of 18-karat gold?

Posted:18th August, 2025
Updated:18th August, 2025

Share
Share
https://www.shriramfinance.in/financial-faqs-loans
266

Yes, you can receive a loan against 18-karat gold jewellery, but the loan amount per gram will be lower compared to higher purity gold.

Posted:18th August, 2025
Updated:18th August, 2025

Share
Share
https://www.shriramfinance.in/financial-faqs-loans
187

Yes, most lenders offer the option to repay gold loans through monthly instalments.

Posted:18th August, 2025
Updated:18th August, 2025

Share
Share
https://www.shriramfinance.in/financial-faqs-loans
205

The margin in a gold loan is essentially the difference between the total market value of the gold you pledge and the actual loan amount that the lender disburses to you.

Posted:18th August, 2025
Updated:18th August, 2025

Share
Share
https://www.shriramfinance.in/financial-faqs-loans
380

The Reserve Bank of India’s latest guidelines for gold (and silver) loans, effective no later than April 1, 2026, standardize and strengthen lending practices across all banks, co-operative banks, and NBFCs.

Posted:18th August, 2025
Updated:18th August, 2025

Share
Share
https://www.shriramfinance.in/financial-faqs-loans
177

Some lenders may allow partial release of pledged jewellery if you make a proportionate repayment of the principal and interest.

Posted:18th August, 2025
Updated:18th August, 2025

Share
Share
https://www.shriramfinance.in/financial-faqs-loans
163

Gold loans are generally not transferable between lenders during the tenure of the loan. Once you have pledged your gold with a lender, it remains in their custody until the loan is fully repaid. If you wish to switch to another lender for better terms, you must first repay the existing loan in full, retrieve your gold, and then pledge it with the new lender for a fresh loan. Some lenders may offer a balance transfer facility, but this typically involves the new lender settling your outstanding dues directly with the original lender and taking possession of the pledged gold.

Posted:18th August, 2025
Updated:18th August, 2025