Gold Loan NBFC Software Delhi — Digital Management 2026

Gold Loan NBFC Software Delhi — Complete Digital Management System

Delhi NCR's gold loan market is worth over Rs. 5,000 crore. Gold loan NBFCs operate across Karol Bagh, Chandni Chowk, Laxmi Nagar, and Shahdara. After RBI tightened gold loan regulations in 2024-25, compliance software is no longer optional — it is legally required.

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RBI Gold Loan Regulations Delhi NBFCs Must Follow

Loan-to-Value (LTV) Cap
RBI mandates maximum 75% LTV for gold loans. At gold price of Rs. 75,000/10g, maximum loan on 10g of 22-karat gold is Rs. 56,250. Your software must enforce this in real time based on live MCX prices.

Standardised Auction Process
Default cases must follow a 30-day notice period, public notice in newspapers, and documented auction. Deviation from RBI's prescribed process invites regulatory action.

CIMS Reporting
All NBFCs including gold loan companies must submit monthly borrower-wise data to RBI CIMS portal.

Bullet Repayment Restrictions
Gold loans cannot have bullet repayment beyond 12 months without instalments.

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Delhi Gold Loan Pain Points

Manual LTV Calculation
Gold price changes every day. A loan approved at 75% LTV in January may breach LTV limits by March if gold price rises. Manual tracking across hundreds of active loans is impossible.

Multi-Branch Coordination
Delhi gold loan NBFCs typically have 5-20 branches. Central visibility of gold stock, outstanding loans, and overdue accounts is essential for management.

Auction Documentation
When borrowers default, the auction process involves legal notices, paper trail, and revenue realisation — all requiring meticulous documentation for RBI and legal defence.

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MICS Gold Loan Software Features

Gold Item Register
- Item-wise entry: weight (gross + net), karat purity (18K, 22K, 24K), description
- Digital photograph storage per item
- Unique item ID with barcode tag

Live MCX Integration
- Current gold price auto-fetched from MCX
- LTV calculation updated daily
- LTV breach alert if gold price rises and loan exceeds 75%

Loan Operations
- Sanction letter auto-generated
- Interest calculation (simple, compound, penal)
- Overdue tracking with automated customer communication

Auction Module
- 30-day notice auto-generated on default
- Newspaper notice template
- Auction date and bidder registration
- Realisation recording and borrower account update

Branch Management
- Consolidated dashboard across all Delhi branches
- Gold stock audit reconciliation
- Daily cash reconciliation
- Branch-wise P&L

CIMS Reporting
Monthly RBI submission automated.

Pricing: Rs. 20,000/month (up to 10 branches)

Free demo: +91 9355273535 | admin@mics.asia