Assay, weight, LTV, sanction and disbursal end to end — with vault custody, RBI-aligned LTV guardrails and live gold-rate feeds baked in. Branch counter to borrower’s account in under ten minutes.
KYC, item count, photos at the counter.
XRF or touchstone, hallmark, appraiser sign-off.
Live MCX feed, net weight, scheme LTV.
BRE check, rate and tenure lock.
NEFT / IMPS / cash, posted to the GL in the same transaction.
Sealed, tagged, bin ID in the register.
XRF spectrometer integration or touchstone entry with photo evidence per item — hallmark and HUID checks, stone-weight deduction per SOP.
MCX and IBJA feeds refreshed every 15 minutes; LTV computed on a trailing-30-day average to absorb volatility.
The 75% ceiling enforced at sanction; conservative, mixed-purity and bullet-repayment schemes configurable per state, branch or segment.
Bin-level tracking, seal numbers, custodian log and rekey events — every in-out tied to a loan ID, insurance accrued per packet.
Full or partial release with fresh weighment, OTP + thumbprint; rate-driven 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.
See the full journey for this product, configured live against your policies.
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