Journey • Gold Loan

Valuation to vault,
disbursed in minutes.

Automate ornament assaying, live rate calculation, instant disbursal, and packet custody on one unified lending platform.

Book a demo Talk to our team

Every step connected.
Every decision visible.

  1. Faster counter turnaround

    Cut walk-in to disbursal time to minutes with instant eKYC, live gold rates, and automated scheme matching.

  2. Smart collateral control

    Unify borrower KYC, ornament weight, purity grading, and LTV guardrails in one guided workflow.

  3. Complete visibility

    Track every sealed packet, vault movement, live LTV ratio, and loan status across branches from one place.

From walk-in to release,
connected at every step.

01 Borrower Onboarding & eKYC

Verify walk-in or doorstep borrowers in seconds with Aadhaar eKYC, PAN validation, live photo capture, and cross-branch deduplication.

  • AI Lead Capture
  • Loan Origination System
  • Application Management

02 Ornament Assaying & Weight Capture

Log item-wise caratage (18K–24K), gross weight, stone/impurity deductions, and net weight with mandatory live photos on the weighing scale.

  • AI Document Intelligence
  • KYC
  • Document Management

03 Live Rate & Scheme Matching

Sync daily IBJA or treasury per-gram rates (RPG) to calculate max eligibility across bullet, EMI, rebate, or overdraft schemes within the LTV cap.

  • Gold Valuation
  • LTV Calculation
  • Policy Rules

04 Instant Sanction & Pawn Ticket

Generate multi-language Key Facts Statements (KFS), sanction letters, and digital pawn tickets with quick OTP or biometric borrower sign-off.

  • AI Credit Assessment
  • Credit Engine
  • Risk Analytics

05 Packet Sealing & Dual-Custody Vaulting

Print tamper-proof barcode/RFID packet tags and enforce Maker-Checker joint custodian approval before locking collateral in the branch vault.

  • Workflow Orchestration
  • Approval Matrix
  • Digital Documentation

06 Instant Verification & Disbursal

Verify borrower bank accounts instantly via penny-drop and trigger real-time payouts across IMPS, NEFT, UPI, or branch cash with automated fee deductions and live ledger posting.

  • Loan Management System
  • Disbursement Workflow
  • Integrations

07 Servicing, Part-Release & Closure

Manage slab-based interest rebates, part-releases, top-ups, daily mark-to-market LTV margin alerts, dual-custody packet handover, or auction workflows.

  • Loan Management
  • Collections & Recovery
  • Portfolio Monitoring

Everything your
gold loan operation needs.

  • Capture and organize application information with less manual effort.

  • Collect, extract and verify customer documents as part of the application workflow.

  • Route applications through configured approval rules, exceptions and documentation workflows.

  • Bring customer, financial and credit information together to assess eligibility against configured lending policies.

  • Manage active loans, repayments, collections and account activity beyond disbursement.

One connected platform
behind every step.

Built for every
lending institution.

Connect the systems you already use.

Bring the data, services and systems behind your gold lending operation together through a connected ecosystem.

Credit bureaus

CIBILExperianEquifaxCRIF High Mark

Banking & payments

NACH / eNACHIMPSNEFTCore Banking APIs

Frequently
asked questions

Still unsure? Our lending specialists are happy to walk through the specifics for your institution.

Talk to our team

Rewafin connects lead capture, application processing, KYC, document verification and credit assessment within a configurable origination workflow.

Ready to modernize gold lending?

See how Rewafin can connect your gold loan operations from application to repayment.

Book a demo Talk to our team