Shriram Finance Gold Loan

Updated on February 19, 2026

Author: MybankingTips Team

Shriram Finance provides gold loans starting at 11.40% per annum for loan tenures up to 1 year. You can use Shriram Finance Gold Loan for personal, professional, and business needs (excluding speculative activities) by pledging your gold ornaments as collateral. The lender offers quick disbursal post verification and approval with minimal documentation.

Shriram Finance Gold Loan Highlights
Interest Rate 11.40% p.a.
Processing Fees Up to 0.5%
Repayment Tenure 1 month to 1 year
LTV Ratio Up to 75% of market value of gold pledged as security or collateral

Shriram Finance Gold Loan Interest Rate

Shriram Finance offers gold loan interest rates starting from 11.40% per annum.

Loan Amount:

Shriram Finance offers gold loans for amounts up to 75% of the market value of the pledged gold.

Tenure:

The loan tenure for Shriram Finance Gold Loan ranges from 1 month to 1 year.

Also read: Best Gold Loan Interest Rate

Gold Loan Interest Rates Offered By Partner Banks & NBFCs

Bank/NBFC/Fintech Interest Rate  
State Bank of India 8.75% p.a. onwards Apply Now
Axis Bank 17% - 19% p.a. onwards Apply Now
Punjab National Bank 9.25% p.a. onwards Apply Now
Bank of India 8.80% p.a. onwards Apply Now
IndusInd Bank 8.80% p.a. onwards Apply Now
Bank of Baroda 9.40% p.a. onwards Apply Now
Union Bank of India 9.30% – 10.65% p.a. Apply Now
Canara Bank 9.25% p.a. onwards Apply Now
HDFC Bank 8.50% - 15.97% p.a. Apply Now
Federal Bank 8.99% p.a. onwards Apply Now
ICICI Bank 10% p.a. onwards Apply Now
Bajaj Finserv 9.50% – 28% p.a. Apply Now
Manappuram Finance 12% p.a. onwards Apply Now
Bank of Maharashtra 9.30% p.a. onwards Apply Now
Kotak Mahindra Bank 8% - 24% p.a. onwards Apply Now
Indian Bank 0.77% per month Apply Now
IIFL Finance 11.88% - 27% p.a. Apply Now
Rupeek 8.88% p.a. onwards Apply Now
Muthoot Finance 10.90% p.a. onwards Apply Now
Shriram Finance 11.40% p.a. onwards Apply Now

Shriram Finance Gold Loan Fees & Charges

Particulars Charges
Processing Fee Up to 0.5%
Documentation Charges Up to Rs 100
Late Payment Fees 36% p.a. at monthly rests
Collection charges Rs.500 per visit
Cheque bouncing charges/Bank Charges Rs 1,000 per instance

Also read: Best Gold Loan EMI Calculator

Eligibility Criteria for availing Shriram Finance Gold Loan

  • Minimum age requirement: 18 years.
  • Maximum age limit: 75 years at the time of loan maturity.
  • Salaried individuals, self-employed professionals, or business owners can get gold loans from Shriram Finance.

Also read: Best Gold Loan Eligibility

Documents Required for Shriram Finance Gold Loan

Prospective borrowers need to provide the following documents to avail Shriram Finance Gold Loans:

  • Recent passport-sized photographs.
  • Identity Proof (any one): Aadhaar Card, Passport, Driver’s License, Voter ID, or PAN Card (If you don't have a PAN Card, you can submit Form 60).
  • Address Proof (any one): Aadhaar Card, Passport, Driver’s License, Voter ID, Gas Connection Card, Water Bill, Electricity Bill, Prepaid Mobile Bill, or Landline Bill.

Also Read : Best Gold Loan Documents Required

Frequently Asked Questions

Customer's gold ornaments are securely stored in a safe room constructed in compliance with government regulations. These rooms are equipped with electronic surveillance to ensure the protection of the gold.

Shriram Finance provides insurance for the gold kept as collateral by you. This ensures that in the event of theft, the borrower doesn't need to worry about the security of the gold.

The interest rate starts from 11.4% per annum (*p.a.) and you can select a loan tenure ranging from 1 month up to 12 months.

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

The minimum age requirement is 18 years, and the maximum age limit is 75 years at the time of loan maturity.

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