Shriram Finance Gold Loan

Shriram Finance Gold Loan Highlights – 2025
Interest Rate	10% – 30% p.a.
Repayment Tenure	1 month up to 1 year
LTV Ratio	Up to 75% of market value of gold pledged as security or collateral
Processing Fees	Up to 0.5% of the loan amount

Note: All the rates mentioned are annualized at monthly rests. Additional GST and other cess shall be charged as applicable.

Rates updated on 24 Jan 2025

Shriram Finance Gold Loan Interest Rate

Shriram Finance offers gold loans interest rates starting from 10% p.a. However, the final gold loan interest rates offered by the lender may depend on several factors including the loan applicant’s credit profile and the market value of the gold pledged as security.

Shriram Finance Gold Loan Fees & Charges

Shriram Finance Gold Loan Processing Fees

Particulars	Charges
Processing Fees	Up to 5% of the loan amount + applicable taxes

Other Charges

Particulars	Charges
Documentation Charges	Up to Rs 3000
Late Payment Fees	36% p.a. at monthly rests
Cheque bouncing charges/Bank Charges	Rs 1,000 per instance
Collection charges	Rs.500 per visit
Foreclosure Charges	NIL
Auction Charges	Up to Rs. 3500

Other Features of Shriram Finance Gold Loan

Loan Amount

Shriram Finance offers gold loans for loan amounts of up to 75% of the market value of the gold pledged as collateral or security.

Tenure

The loan tenure offered by Shriram Finance Gold Loan is ranging from 1 month to 1 year.

Eligibility Criteria for availing Shriram Finance Gold Loan

The eligibility criteria for availing gold loans from Shriram Finance are as follows:

• Salaried individuals, self-employed professionals or business owners can avail gold loans from Shriram Finance
• Minimum age: 18 years
• Maximum Age: 75 years (at the time of loan maturity)

Shriram Finance Gold Loan Documents Required

• Prospective borrowers should furnish the below-mentioned documents for availing Shriram Finance Gold Loans:
• Identity Proof (any one): Aadhaar Card, Passport, Driver’s Licence, Voter ID or PAN Card (In case you do not have a PAN Card, you can submit Form 60)
• Address Proof (any one): Aadhaar Card, Passport, Driver’s Licence, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill or Landline Bill
• Recent passport-sized photos