DOORSTEP GOLD LOAN - ABRUS KRISHNA FINANCE
Service Overview
The Doorstep Gold Loan service at Abrus Krishna Finance is designed for customers who prefer convenience without compromising safety or legal compliance. As a licensed money-lending institution under the Kerala Money-Lenders Act, 1958 (KML Act), we ensure that every process—right from valuation to documentation—is executed with complete transparency and adherence to statutory norms.
Our trained field executives visit your location to conduct preliminary valuation, collect KYC details, and provide complete clarity regarding loan eligibility. However, as mandated under KML regulations, the final agreement signing and loan disbursement must be completed at the branch, ensuring full compliance and legal validity of the loan contract.
This hybrid doorstep model allows you to complete most steps from home while still fulfilling the essential branch-based legal requirements.
Key Features
- Doorstep Gold Valuation by trained professionals
- Secure Handling & Transport of gold to branch vaults
- Quick Loan Eligibility Calculation at your location
- Certified Purity Testing Equipment used during valuation
- Transparent Assessment performed fully in your presence
- KML-Compliant Final Signing at Branch
- Immediate Disbursement post-branch verification
- Confidentiality Ensured during all interactions
- Flexible Loan Schemes based on customer profile
- No Income Proof Required since loan is asset-backed
Eligibility Criteria
- Applicant must be 18 years or above
- Must be a resident of Kerala
- Physical presence at branch is mandatory for final signing/disbursement
- Gold must belong to the applicant or legal owner
- Accepted purity: 18K to 22K, subject to valuation
- Completion of KYC verification
- Gold must clear all purity and authenticity checks
- Basic repayment capability assessment
- No disputes regarding ownership of pledged gold
- Aadhaar Card
- PAN Card
- Valid Address Proof (Aadhaar / Voter ID / DL / Utility Bill / Passport)
- Recent Passport-Size Photograph
- Signature Proof
- Gold Ownership Declaration
- Doorstep Service Request Form
- KML-Compliant Loan Agreement (signed at branch)
- Post-Dated Cheque (if required under selected scheme)
- Gold ornaments: chains, bangles, rings, necklaces, earrings, anklets
- Hallmarked ornaments preferred
- Non-hallmarked gold accepted after purity verification
- Gold coins accepted within regulatory limits
- Items with excessive stones, hollow gold, or low purity are not eligible
Imitation, stone-weighted, hollow, or low-purity items are not accepted.
- Interest charged strictly under the Kerala Money-Lenders Act, 1958
- Simple interest structure—no unauthorised compounding
- All charges are disclosed transparently before signing
- Mandatory registers and ledgers maintained as per law
- Customer receives:
- Loan Agreement Copy
- Gold Packet Acknowledgment
- Repayment Schedule
- Periodic Receipts
- Secure vault storage with dual control, CCTV, and audit systems
- Doorstep services operate strictly within KML compliance boundaries
We provide multiple loan schemes designed for different financial needs. Applicable scheme, interest rate, seasonal offers, and benefits will be explained and finalized at the branch.
All schemes are subject to periodic review and may vary based on market conditions, customer profile, internal policies, and seasonal company decisions.
Frequently Asked Questions
Is Doorstep Gold Loan fully processed at home?
No. Most steps are done at home, but final signing and disbursement must happen at the branch, as required by the KML Act.
How safe is doorstep valuation?
Highly safe—executives use secure handling, proper sealing, and verification protocols.
Is the gold tested at home?
Yes, purity and weight are checked in your presence using certified equipment.
Is income proof necessary?
No, this is an asset-secured loan.
How long does the entire process take?
Valuation takes around 15–20 minutes. Final disbursement is immediate upon branch visit.
Is my gold insured during transit?
Yes, gold is transported under monitored and insured conditions.
Do I need to be physically present at the branch?
Yes. Branch presence is legally mandatory to sign the loan agreement.
Can someone else accompany me?
Yes, family members may accompany you.
Can the loan be renewed later?
Yes, based on terms of the chosen scheme and settlement of due interest.
What purity of gold is accepted?
18K to 22K, after certified evaluation.
Apply for a Doorstep Gold Loan Today
Enjoy the comfort of home-based valuation combined with the assurance of branch-level legal compliance and secure gold handling.