Gold Loan

Gold Loan Management Platform for Secure and Efficient Lending

miFIN™ is a specialized Gold Loan Management Platform built to manage the complete lifecycle of gold-backed lending with speed, accuracy, and control. Designed with deep domain expertise, this robust Gold Loan Management Platform simplifies every aspect of gold loan operations—from valuation and disbursement to repayment, branch controls, and auction workflows.

miFIN™ ensures reliable gold valuation, strong cash handling protocols, and end-to-end compliance across in-branch and doorstep lending models. The platform also includes features like real-time branch monitoring, audit trails, and integrated auction management—empowering financial institutions to scale gold loan services while maintaining operational integrity and customer trust.

Whether you’re looking to optimize high-volume branch operations or enable secure field servicing, miFIN™ delivers a comprehensive, secure, and scalable Gold Loan Management Platform designed for today’s evolving lending environment.

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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.