GOLD LOAN

Pledged 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.

We offer gold loans at simple interest rates, flexible tenure along with a more suitable repayment schedule. Along with the easy and hassle-free online application process.

Shriram City insures all pledged gold. This means that in case of a theft, the borrower need not worry about the security of the gold.

The interest rate starts from 11.5% and you can choose loan tenure starting from 12 months up to 36 months.

A valid identity proof, address proof, recent passport size photos along with any other documents as requested by Shriram City Union Finance Ltd.

A loan foreclosure means repaying the outstanding principal amount in one single payment instead of regular monthly EMIs.

Shriram City does not charge any foreclosing charges to its customers. You can pay the outstanding amount and redeem your Gold from the branch. If you have a Non-EMI based Gold Loan scheme, then you can foreclose your loan by paying just the interest amount up to the date of foreclosure along with the principal amount.

Shriram City Gold Loan can be foreclosed any day after loan disbursal by just paying outstanding amount without any foreclosure charges.

Your EMI amount will be communicated to you once your loan amount is approved and it will also be mentioned on the loan agreement paper. However, you can also check your estimated EMI by using our online gold loan EMI calculator.

Gold loan is a secured loan product and your pledged gold itself is security. We do not require any additional security for the jewel loan.

Yes, you can avail 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.

No, you cannot change your EMI due date once the loan is disbursed.