We give customers a financial springboard from which to grow, invest, fulfil their dreams and contribute to national prosperity.
A secured loan that enables borrowers to capitalise on their gold possessions by pledging them in lieu of a cash loan.
We are a RBI registered entity. Your gold is not only safely stored in our vaults but is also insured
In line with industry practice, we estimate an annual penalty of up to 12%. This is in addition to the rate of interest that you would be paying to service your loan.
Yes, partial payment/withdrawal facility is available
You should plan your loan repayments carefully in order to avoid default. Failure to repay the loan in the agreed time will result in your gold being auctioned.
Loan servicing is the process by which a lender collects interest, principal, and escrow payments from a borrower.
In addition to providing loans direct to customers, SBFC offers specialist loan management services (LMS) to third party financial institutions. SBFC’s LMS clients benefit from our experienced customer care team managing statements of accounts (SOA), repayment schedules, interest certificates and other vital administrative processes on their behalf.
SBFC handles the porting of repayment modes (NACH/ECS) and can transfer equated monthly installments (EMIs) between accounts. For delinquent loans, we provide complete support for clients including phone calls, SMS outreach and field visits. Moreover, SBFC loan management service initiates and executes all legal cases relating to delinquent and non-performing asset (NPA) accounts.
