What is the interest rate?

Rates start from 10% p.a. Overall Gold Loan pricing in Shriram's published policy currently ranges from 10% to 30% for secured Gold Loans, while specific advertised schemes start at 10.9%, 11% and 15%.

1 to 12 months, with a minimum loan duration of 7 days.

How quickly is the loan disbursed?

Shriram describes its Gold Loan as providing funds within a few hours of approval. It does not currently publish a fixed number of minutes on its Gold Zone page.

Shriram Finance Gold Loan

NBFC

Shriram Finance offers gold loans against eligible gold ornaments with multiple repayment options. Current schemes include monthly, quarterly and half-yearly repayment structures, with loan amounts up to ₹40 lakh. Interest rates currently start from 10% p.a., while the applicable rate varies by repayment scheme. The company also advertises loan-to-value of up to 85% of gold value, subject to applicable terms and regulations.

Interest Rate

10% p.a.

Per Gram Value

₹13,869/g

Processing Fee

Max Amount

Up to ₹40 Lakhs

Tenure

1 to 12 Months

Get instant offer

Free

Gold purity

Loan Amount₹50K – ₹1 Cr

₹

₹50K₹1 Cr

Gold required

~41.43g22K (916)

at today's 85% LTV

No impact on credit score · Direct to Shriram finance

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Shriram finance's schemes

Standard Gold Loan

10% p.a. Loan up to 85% of gold value; minimal documentation; quick approval/disbursal; flexible repayment.

Secured loan against eligible gold jewellery/ornaments for personal or other financial requirements. Shriram Finance offers flexible repayment and tenure options.

Monthly Repayment Scheme

10.9% p.a. Monthly repayment frequency; loan amount up to ₹40 lakh; 3–12 month tenure.

Gold loan repaid through monthly instalments. Tenure of 3, 6 or 12 months.

Quarterly Repayment Scheme

11% p.a. Quarterly repayment frequency; loan amount up to ₹40 lakh; 3–12 month tenure.

Gold loan repaid through quarterly instalments. Tenure of 3, 6 or 12 months.

Half-Yearly Repayment Scheme

15% p.a. Half-yearly repayment frequency; loan amount up to ₹40 lakh; 6–12 month tenure.

Gold loan repaid through half-yearly instalments. Tenure of 6 or 12 months.

Watch: Shriram finance Gold Loan

Why choose Shriram finance?

Gold loans against eligible gold ornaments
Loan amount from ₹5,000
Maximum loan amount ₹40 Lakhs
Interest rates starting from 10% p.a.
LTV up to 85%*
Tenure from 1 to 12 months
Monthly, quarterly and half-yearly repayment options
No income proof required
Minimal documentation
Quick loan processing and disbursal

Documents required

Aadhaar / valid government ID
PAN
Address proof
Gold ornaments to be pledged

Your details are shared only with Shriram finance for this application. Applying through GoldLoanBazaar is free and does not affect your credit score.