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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →Orange Retail Finance India and Shriram Finance have announced a co-lending programme for gold loans secured against jewellery in Tamil Nadu. The companies say the programme is capped at ₹100 crore, with Orange participating in 20% of each loan and Shriram Finance in 80%. Announced repayment choices are bullet repayment over terms of up to 12 months or EMI repayment over terms of up to 36 months; borrower-specific availability and terms have not been disclosed.
What the agreement covers
The companies describe the arrangement as jointly originating and funding loans secured against gold jewellery. The stated geography for this programme is Tamil Nadu. Orange Retail Finance separately reports 58 branches across Tamil Nadu, Andhra Pradesh, Karnataka, Telangana and Kerala; that wider branch footprint should not be read as the programme’s lending territory. Orange Retail Finance’s announcement describes its broader secured-lending activity as including gold loans and loans against property for MSMEs.
The announcement says the programme is capped at ₹100 crore. It does not define whether that cap represents a commitment, a disbursement target or another measure. The companies’ statements were reported in a release dated 2026-10-05, republished by Investment Guru India. Read the release.
How the co-lending split is described
The announced participation ratio is 20:80: Orange Retail Finance holds 20% and Shriram Finance 80%. The announcement does not explain how underwriting decisions, customer servicing, collections or other operational responsibilities are divided, nor does it provide further detail on risk-sharing beyond the participation ratio.
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Repayment options announced
| Repayment structure | Maximum announced tenure | What is disclosed |
|---|---|---|
| Bullet repayment | Up to 12 months | Repayment is described as bullet-style; the release does not specify the payment schedule or borrower-specific terms. |
| EMI repayment | Up to 36 months | Repayment is described as EMI-based; the release does not state the instalment amount or borrower-specific terms. |
These are the repayment forms and maximum tenures stated in the announcement, not a guarantee that either option will be offered to every applicant. No programme-specific interest rate, fees, loan amount range, eligibility rules or application channel is stated, so the available information is not enough to compare the options by cost or determine who qualifies.
What borrowers should verify before applying
Before pledging jewellery, ask the lender handling the application for the written terms that apply to the individual loan. In particular, confirm the interest rate and how it is calculated, all fees and charges, the amount offered against the jewellery, the repayment schedule and consequences of late or missed payments. Also confirm how the jewellery will be valued, stored and returned after repayment, and which lender is responsible for each step. The partnership announcement does not answer these borrower-specific questions.
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Regulatory protections are separate from the announcement
The Reserve Bank of India’s consolidated Lending Against Gold and Silver Collateral Directions, 2025 were issued on 2025-06-06; the retrieved version identifies an update through 2025-09-29. The directions apply to regulated lenders and set requirements that include collateral management, release after repayment, auction transparency and compensation. Their existence does not establish that this particular programme has been independently assessed for compliance.
Among the provisions in the retrieved text, a lender must compensate a borrower ₹5,000 for each day of lender-attributable delay beyond the prescribed deadline for releasing collateral. That is a regulatory provision, not a special benefit or repayment term announced by Orange Retail Finance or Shriram Finance. The directions also state: “A lender shall refrain from issuance of misleading advertisements containing unrealistic claims to promote loans against gold or silver collateral.” Check the current RBI-hosted text and any later amendments for the authoritative, up-to-date wording.
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