Frequently asked questions.
Quick answers about K.T. Capital gold loans, appraisal, documentation and branch visits.
Can I get a loan fully online?
No. The website can collect an enquiry, but gold loans require physical branch verification of gold, customer identity and documentation.
What is the loan term?
K.T. Capital provides gold loans on a 1-year term, subject to final branch documentation and applicable law.
How is loan value calculated?
The indicative value depends on purity, net gold weight, deductions for stones or wax, daily valuation rate and the loan-to-value policy. The branch appraisal is final.
What documents should I carry?
Carry original identity proof, address proof, recent photograph if requested and ownership details for the gold if available.
Will my gold be returned after repayment?
After valid repayment and completion of formalities, pledged assets are returned according to the agreed terms and applicable law.
Which branches can I visit?
You can visit the Thuckalay/Padmanabhapuram branch or the Mekkamandapam branch. See the Branches page for full addresses.