Compliance

Responsible lending under Tamil Nadu legal framework.

K.T. Capital operates as a local gold loan and secured lending business under applicable Tamil Nadu money-lending and pawnbroking requirements.

Regulatory framework

Core compliance commitments

Before launch, verify all licence numbers, statutory notices, interest disclosures and branch display requirements with your legal advisor.

Tamil Nadu Money-Lenders Act, 1957

Business lending operations, licence requirements, records, receipts and interest-related compliance should be handled in accordance with the applicable state law and rules.

Tamil Nadu Pawnbrokers Act, 1943

Pledge-based gold loan activity should follow requirements for pawnbroker licensing, pawn tickets, redemption, custody and customer disclosures.

Customer protection

Operational practices to publish and follow

Display current licence and statutory information at the branch as required.
Provide clear receipt or pledge documentation to the customer.
Explain interest, charges, due date, repayment and redemption process before disbursement.
Keep customer identity and pledge records securely.
Return pledged assets after valid repayment and completion of formalities.

Compliance note

This page is not legal advice. It is website copy designed to communicate your compliance intent. The final published website should be reviewed by a local advocate or compliance professional, especially if adding interest rates, licence numbers, penalty charges, auction timelines or recovery terms.

KYC

Branch documentation checklist

Category	Examples	Purpose
Identity	Aadhaar, PAN, passport or other accepted ID.	Verify customer identity before loan processing.
Address	Aadhaar address, voter ID, utility bill or accepted address proof.	Maintain legally required customer records.
Photograph	Recent passport-size photo if required.	Customer file and verification support.
Gold ownership details	Purchase bill or ownership explanation where applicable.	Support safe and responsible pledge acceptance.