Gold Loan

Secure, Streamlined, and
Scalable—miFIN™ Gold Loan for End-to-End Lending Management

miFIN™ Gold Loan Platform is a comprehensive solution designed to streamline the entire lifecycle of gold-backed lending. Built with deep insights into the nuances of the gold loan business, this platform offers tailor-made features that simplify loan management, enhance gold valuation accuracy, and fast-track disbursements—all while maintaining strong branch and cash controls.

Whether managing in-branch operations or delivering doorstep services, miFIN™ Gold Loan ensures an efficient and secure lending process. Its advanced capabilities extend beyond basic loan management to include branch-level controls, cash handling, audits, and seamless auction management, making it an end-to-end solution for gold loan providers.

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Key Features

Aadhaar & PAN-Based Enrolment

Ensure quick and seamless customer onboarding with Aadhaar and PAN-based enrolment for faster loan processing and compliance verification.

Configurable Dedupe Module

Prevent fraud effectively with a powerful deduplication module that checks customer records and identifies potential risks before loan disbursement.

Multiple Gold Valuations for Enhanced Fraud Control

Implement multiple valuation processes at the branch level to minimize fraud risks and ensure accuracy in gold assessments.

Automated Authorization & Disbursal

Enable auto-authorization and disbursement with flexible configurations for multi-party and multi-mode disbursals, ensuring a faster and more efficient loan disbursement process.

Foreclosure & Part Release Module

Handle customer requests at branches seamlessly with one-step foreclosure and part-release options for partial loan settlements.

Smart Renewal Module

Manage margin shortfalls by consolidating multiple loans from the same customer into one. Maximize profitability through one-step top-ups and partial payments of existing loans.

Automated Authorization & Disbursal

Enable auto-authorization and disbursement with flexible configurations for multi-party and multi-mode disbursals, ensuring a faster and more efficient loan disbursement process.

Foreclosure & Part Release Module

Handle customer requests at branches seamlessly with one-step foreclosure and part-release options for partial loan settlements.

Smart Renewal Module

Manage margin shortfalls by consolidating multiple loans from the same customer into one. Maximize profitability through one-step top-ups and partial payments of existing loans.

Aadhaar & PAN-Based Enrolment

Ensure quick and seamless customer onboarding with Aadhaar and PAN-based enrolment for faster loan processing and compliance verification.

Configurable Dedupe Module

Prevent fraud effectively with a powerful deduplication module that checks customer records and identifies potential risks before loan disbursement.

Multiple Gold Valuations for Enhanced Fraud Control

Implement multiple valuation processes at the branch level to minimize fraud risks and ensure accuracy in gold assessments.

Integration with Real-Time Gold Rate Portals

Stay up-to-date with daily gold rate integration and valuation modules that allow easy definition and creation of carat and purity standards.

Comprehensive Audit Module

Perform detailed audits at the cash, branch, packet, and jewellery levels to ensure compliance and minimize operational risks.

Jewellery Auction Module

Manage jewellery auctions with full control, including bid management, bid selection, and auction closure for a transparent and secure process.

Integration with Real-Time Gold Rate Portals

Stay up-to-date with daily gold rate integration and valuation modules that allow easy definition and creation of carat and purity standards.

Comprehensive Audit Module

Perform detailed audits at the cash, branch, packet, and jewellery levels to ensure compliance and minimize operational risks.

Jewellery Auction Module

Manage jewellery auctions with full control, including bid management, bid selection, and auction closure for a transparent and secure process.

Why Qualtech

Optimize Gold Loan Operations
and Maximize Customer Retention

Delight Customers with Swift Loan Processing

Offer fast loan processing at both branches and through doorstep services to enhance customer satisfaction and retention.

Fraud Prevention with Multiple Valuation Processes

Strengthen fraud control at the branch level through multiple valuation checks, ensuring accuracy and security.

Create a Competitive Advantage with Tailored Schemes

Design repayment schemes specific to different customer segments, giving your business an edge in the gold loan market.

Retain Customers Through Smart Renewals

Boost customer retention by offering flexible renewal options, margin top-ups, and part-payment facilities that cater to evolving customer needs.

Implement Strong Branch Cash Controls

Ensure cash safety with branch cash management modules and inter-branch cash transfer capabilities for seamless operations.

Ensure Compliance & Risk Management

Stay compliant with product programs and branch controls while mitigating risk through the comprehensive audit and robust auction module.

Improve Profitability Management

Optimize profitability by managing risk effectively, ensuring operational efficiency, and leveraging advanced auction controls.