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
ShareShare
https://www.shriramfinance.in/financial-faqs-loans
192
If your gold loan is close to its loan tenure end date, you can usually close it and apply for a new loan.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
- Share
Share
https://www.shriramfinance.in/financial-faqs-loans - 209
The tax treatment of interest paid on a gold loan depends entirely on how the borrowed funds are used. There is no blanket deduction available simply because the loan is secured against gold.
If the loan is taken for business or professional purposes, the interest paid may be claimed as a business expense, provided it is supported by proper records. This usually includes loan statements, bank trails, and documents that clearly show the funds were used for business activities.
- Posted:30th December, 2025
- Updated:30th December, 2025
- Share
Share
https://www.shriramfinance.in/financial-faqs-loans - 181
Valuing gold artifacts isn’t as easy as checking a few ornaments for weight and purity.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
- Share
Share
https://www.shriramfinance.in/financial-faqs-loans - 205
If the gold is under dispute, pledging it carries risk for both the gold loan borrower and the lender, as unclear ownership or documentation can complicate recovery and make enforcement difficult later.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
- Share
Share
https://www.shriramfinance.in/financial-faqs-loans - 182
Most lenders in India hesitate to take foreign-minted coins or jewellery as collateral for their gold loan.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
- Share
Share
https://www.shriramfinance.in/financial-faqs-loans - 177
Gold loans are quick, yes — but they’re not your only options. It really depends on what you’re dealing with: a sudden bill, a business gap, or just a short-term crunch.
Read More - Posted:30th December, 2025
- Updated:30th December, 2025
- Share
Share
https://www.shriramfinance.in/financial-faqs-loans - 192
Banks and Non-Banking Financial Companies (NBFCs) both offer gold loans under Reserve Bank of India guidelines, so the basic rules, like the loan-to-value limits, typically remain the same.
Read More Popular FAQs
- Can I use collateral other than the car itself?
- Can I use business income proof for a personal car loan?
- Can I take a loan for a car under company ownership?
- Can I negotiate the used car loan interest rate before final approval?
- Can I get a used car loan for vintage or classic cars?
- Can I get a loan for a car that’s already under hypothecation?
- Can I get a loan for a car older than 10 years?
Check your Free Credit Score
Most Viewed FAQs
- How do I check my loan balance?
- Are rewards taxable income?
- Can I use my rewards for travel and accommodation bookings?
- Can I redeem rewards for cash or only for specific items?
- Can I transfer my rewards to someone else?
- How do I sign up for a rewards program?
- Are there any restrictions on using earned rewards?
- Do rewards programs have expiration dates for earned rewards?
- Can I schedule future payments for my municipal bills online?
You may be interested in
- Home
- Financial FAQs
- Loans FAQs
