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Gold Loans

We offer loan against gold jewellery, primarily to individuals who possess gold jewellery but do not have access to formal credit within a reasonable time, or to whom credit may not be available at all, to meet their short-term requirements. Shriram City Union Finance targets the customers who otherwise continue to rely on the unorganized sector for timely funding requirements. Shriram City Union Finance has capitalized on the ‘Shriram’ brand name to build a credible and reliable gold loan business.

Basic product features and Eligibility criteria*

Eligibility

  • Age - 18 to 60 years of age
  • Individuals only

Basic Product Features

  • Loans granted up to 60% of the net value of the jewel
  • Net weight and value of the jewel will be decided by Shriram city Union Finance
  • Tenor and interest servicing is as per the scheme selected

Documents Required

  • Valid Identity Proof - as per RBI norms
    • A valid Identity Proof will be any one of the following
    • Passport
    • Driving Licence
    • Voter ID Card
    • Aadhar Card
    • PAN Card
  • Valid Address Proof - as per RBI norms
    • A valid address Proof will be any one of the following
    • Passport
    • Driving Licence
    • Ration Card
    • Gas Bill with Gas book
  • Recent Passport size colour photographs
  • Any other document as advised by Shriram City Union Finance

Interest and Charges

  • Based on the schemes selected by the borrower

* Fulfilling the above criteria does not amount to loan eligibility. All Loans are subject to Approval by Shriram City Union Finance Limited after sighting of original documents, successful verification and appraisal processes.