The valuation of the gold ornaments will be done by Ujjwaldhan Nidhi Ltd. through authorized value, and the cost of valuation will be borne by borrower.

Two colour photographs of gold ornaments are required.

Two colour photographs of borrower and his/her ID proof are required.

The loan interest will be paid on monthly basis.

The borrower has to provide an affidavit declaring the ownership of the ornaments.