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Gold Loans

 Home / Industry / Retail Banking / Gold Loans
140+ customers use Nucleus Software's lending product

Gold Loan

FinnOne Neo suite provides seamlessly integrated software modules built with the objective of providing operational and decision-making support to the banks and financial institutions.

  • FinnOne Neo

FinnOne Neo Gold Loan has the capabilities including gold loan maintenance, multi-valuation, gold loan renewals, margin calls for shortfall cases, maturity date completion and release tracking of gold. It offers a light workflow to support the speed and agility required in the gold loan business. The workflow offers valuation first, digital processing with STP and digital disbursal using Cashfree, where disbursal is done in a bank account. We design, develop and configure computer hardware and software for banks and other organizations in the lending industry. We design, develop and configure computer hardware and software for banks and other organizations in the lending industry.

Key Value Differentiators


  • Reduced TAT in loan disbursal with automated processes and workflow based decision making
  • Flexible architecture
  • Faster Go to market with innovative and customized offerings
  • Enhancement in operational efficiency with business processes optimization
  • Capability to capture Gold prices, raising alerts when the Loan to value to breached, maintaining storage records of the Gold and printing the Gold certificates stating the possession of the Gold

FinnOne Neo Gold Loan Solutions

FinnOne Neo CAS:

  • Minimal data entry – supporting balance transfer and renewal
  • Single stage for data entry, capturing gold details, KYC and gold valuation
  • 3 Step workflow for faster turnaround time- data entry, credit approval and disbursal
  • Flexible repayment options specific to gold loan – bullet, upfront, regular EMI, loan maturity on anniversary
  • Capability to handle regulatory and risk mitigation requirements – Loan to Value, margin calls
  • Same day disbursal

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FinnOne Neo LMS:

  • Gold Loan maintenance
  • Loan servicing from booking, installment billing to closure
  • Asset re-valuation
  • Loan renewal
  • Upfront interest collection
  • Maintenance of asset sale information for defaulted loans

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FinnOne Neo Collections:

  • Tracking and management of delinquency cases
  • Classification and Hierarchy-based allocation of cases to collectors
  • Champion Challenger Strategy Management
  • Settlement Tracking and Skip Tracking feature
  • Online dashboard
  • Behavioral scoring engine
  • Repossession module
  • Agency payouts engine
  • Workflow Based Legal Module

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