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3. A rough value of jewellery as well as the eligible loan amount is determined and shared with the customer.

4. Once the customer agree to go ahead with the processing of the loan, the application form alongwith customer KYC is completed.

5. A proper quality check of the gold to be pledged is undertaken.

6. The personal details, also including photograph and digital fingerprint of the customer as well as the photograph of the pledged jewellery are entered in the Gold Loan Software.

7. A sanction letter is generated bearing the personal details of the customer, the jewellery specification and the loan amount.

8. The jewellery and sanction letter is verified on the spot for the final approval by the Gold Loan Manager.

9. Once approved, the cashier disburses the loan to the customer.

10. The pledged jewellery is seal packed with attached loan details and system generated bar code label.

11. The jewellery is then transferred to the safety vault which is a highly secured steel plate walled room with high level security features.

12. At the time of redemption, customer repays the total outstanding amount and the pledged jewellery is returned in rightful hands.