Finpage's Gold Loan module runs assay, weight, LTV, sanction, and disbursal end to end — with vault custody, RBI-aligned LTV guardrails, and gold-rate feeds baked in. Branch counter to borrower's account, in under ten minutes.
The entire gold-loan sanction journey is built for a branch counter — fast keystrokes, thumbprint capture, receipt printing, and the vault all happening in under ten minutes per borrower.
KYC, borrower capture, item count, item photos.
XRF or touchstone purity + weight. Hallmark check.
Live MCX feed, net-weight calc, LTV.
BRE check, scheme selection, rate + tenure lock.
NEFT, IMPS, cash; NACH mandate on tenure.
Sealed, tagged, bin ID written to register.
Full or partial, OTP + thumbprint, recut seal.
Every item is photographed, assayed, and valued with a live gold rate. Purity checks from XRF or touchstone plug directly into valuation. Hallmark, stone deduction, and making-charge adjustments are captured and auditable.
XRF spectrometer integration — read purity directly into the appraisal form.
Touchstone and acid-test data entry with photo evidence stored per item.
Stone weight deduction and making-charge handling, per SOP.
Appraiser sign-off with thumbprint or digital signature on the valuation slip.
LTV is enforced at sanction time, calculated on a trailing-30-day average gold rate to absorb price volatility. Schemes below the ceiling are configurable per state, per branch, or per customer segment.
Every workflow your gold-loan branch already runs — codified, tracked, reported, auditable. Your appraisers and cashiers keep their SOPs; the paperwork goes away.
MCX and IBJA rate feeds, refreshed every 15 minutes. Branch can override to last-locked rate on approval.
Bin-level tracking, seal numbers, custodian log, and rekey events. Every in-out is tied to a borrower loan ID.
Vault insurance sum-insured tracking, per-loan riders, and premium accrual to the loan account.
If gold rate moves in the borrower's favour, enable top-up drawdowns against the same collateral without re-pledging.
Notice generation, auction committee, bidder registration, sale minutes, and surplus refund — the full NPA closure loop.
Full or partial release with fresh weighment, OTP + thumbprint, and auto-printed receipt with photo evidence.
Bring an appraiser, a vault keeper, and a cashier. We'll run a full gold loan sanction end-to-end — counter intake to disbursal — in a 30-minute sandbox session with live MCX rates.