Frequently Asked Questions About Gold Loan

Yes, you can avail of a loan at any credit score but subject to your credit assessment and branch credit approval. However, it is advisable to maintain a healthy credit score.

A valid identity proof, address proof, and other documents as requested by Shriram Finance Ltd.

The interest rate starts from 10% p.a. and you can choose loan tenure starting from 1 month up to 12 months.

The minimum age is 18 and the maximum age is 75 years (at the time of loan maturity)

Gold ornaments of customers are stored safely and securely in a safe room built according to the Government regulations. These rooms are also equipped with electronic surveillance to protect the gold.

Salaried, self-employed, self-employed professionals, business owners and other individuals between 18 – 75 years can apply for Shriram Finance Gold Loan.

Yes, you can pledge gold coins for a Shriram Gold Loan, subject to a few conditions. The total weight of gold coins you can pledge across all your Shriram Gold Loans cannot exceed 50 grams per customer (as per RBI rules). Each individual gold coin must not weigh more than 16 grams. Only 22‑karat gold coins will be accepted.  Gold bars and biscuits are not accepted. Final acceptance depends on branch appraisal and other applicable terms.

Online Gold Loan Renewal allows you to extend the tenure of your existing Gold Loan digitally, without visiting a branch.

A Top-Up allows you to avail an additional loan amount against your pledged gold, based on your eligibility.

No, a branch visit is not required. The entire process can be completed online through the Shriram Finance website.

Once you log in, your eligible Top-Up amount will be displayed on the dashboard. The offer is determined based on your loan account status and available limit.