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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Lenders don’t rely on one gadget or one check. They layer technology with simple, on-ground controls so the process stays clean and traceable.
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- Updated:30th December, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 173
Once you take a gold loan, the jewellery stays with the lender until repayment.
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https://www.shriramfinance.in/financial-faqs-loans - 186
When a gold loan comes up for renewal or extension, lenders usually reassess the pledged jewellery instead of relying on the earlier valuation. This helps ensure that the loan remains adequately secured under current conditions.
- Posted:30th December, 2025
- Updated:30th December, 2025
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https://www.shriramfinance.in/financial-faqs-loans - 184
Before a pledged gold item is put up for auction, lenders carry out a fresh valuation to avoid relying on outdated figures while approving your gold loan.
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https://www.shriramfinance.in/financial-faqs-loans - 158
Currency changes don’t directly alter gold loan rates, but they do affect how lenders look at the pledged gold’s value.
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Yes, you can pledge antique or custom-made gold jewellery for a gold loan, but there are important conditions.
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https://www.shriramfinance.in/financial-faqs-loans - 167
Having a lower loan-to-value ratio while applying for a gold loan simply means you’ve borrowed less against your gold assets, which keeps both you and the lender on the safer side overall.
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