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Shriram Finance Gold Loan Highlights |
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| 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% |
Note: Last Updated on 12th Nov 2024.
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.
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Shriram Finance Gold Loan Fees & Charges
Shriram Finance Gold Loan Processing Fees
| Particulars | Charges |
| Processing Fees | Up to 5% |
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 |
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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)
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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