1. Online Gold Loan- End to End Process
IT DEPARTMENT
26th Sept 2015

2. Branch Level Business Process Changes
Customer Creation : There shall be no change in this regard
New Gold loan disbursement : On implementation of Online Gold loan, there shall be two Gold loan module at branch:
Normal Gold loan module ( Old and existing Gold loan Module)
New Inventory Gold loan Module ( New Gold loan module for Online gold loan customers )
Both modules will be available within the Application Portal of the Branch
Both modules shall not be used in the same Computer System in same time

3. LOGIN TAB in Application Portal

4. New Gold Loan Disbursement Process:
Existing GL-1 Screen will be changed to Add Inventory
Customer need to be searched through existing process
Add inventory option exactly similar to the first part of GL-1 Screen it includes
Item wise entry of Gold inventory
Purity Assessment and purity selection
Stone value Assessment and Stone value entry
Finalization of Net weight
Taking photo graph of Gold Ornaments
On entry of all inventory relating information system will proceed to Second part of GL-1 it includes the following:
Taking Print out of scheme wise information
Selection of appropriate of Scheme
Selection gold loan disbursement method
Sending SMS to customers
Approval from GL-2/ABH & BH as per the existing Rule

5. New Gold Loan Disbursement Process:

6. Customer Search -

7. Customer Search -

8. Customer Search -

9. Customer Search -

10. Entry of Inventory Details

11. Entry of Inventory Details

12. Entry of Inventory Details

13. Entry of Inventory Details

14. GL-1 Confirmation

15. GL-1 Confirmation

16. GL-1 Confirmation

17. GL-2 Confirmation

18. GL-2 Confirmation

19. ABH Confirmation for Final Confirmation of Pledge Account

20. New Gold Loan Disbursement Process:
Printing of Pawn Ticket after confirmation of Pledge account:
Here Bar coded pre-printed pawn ticket need not be used.
Instead normal A-4 paper need to be used for printing Pawn ticket.
No requirement of entering the Bar code within the pawn ticket printing form
System will generate pawn ticket with proper bar code with in the A-4
On confirmation system will print the local language pawn ticket as per the existing Rule
Pawn ticket in addition to Loan number an Inventory number also there for tracking inventory separately
No change in the documentation Rules

21. PAWN TICKET Printing

22. Documents to be Collected
Gold Loan Application Form duly signed within the Revenue stamp
Duly signed Pawn Ticket
Duly signed Agreement
Duly signed Scheme selection Document
Duly signed Specific Agreement relating to 3 month scheme loan Accounts

23. New Gold Loan Disbursement Process:
Creation of GL-1 Slip:
GL-1 Slip need to be changed into Gold Inventory Slip
In the GL-1 Slip, instead of pledge number Inventory Number need to be entered for tracking purpose
Pledge number also need to be entered for further verification
Sticker updating Process:
No change within this process, Sticker need to be updated as per existing guild lines through sticker/Day book module
Keeping the Gold/Documents within the safe Room:
Gold packet need to be kept within the safe room separately for identifying gold packet of Online Gold loan customers
Keep the documents of Online Gold loan customers separately to track the same separately

24. EXISTING GL-1 SLIP

25. CHANGED GL-1 SLIP

26. FILLED INVENTORY SLIP

27. Full/Part Interest Payment Process.
On implementation of Online Gold loan, interest payment of old gold loan module customers need to be done through old module and new customers through new module

28. Gold Loan Settlement Process
New Gold Loan settlement module the following options will not be there:
Release of Gold inventory
Form K approval
In this module, customer can enter the any pledge number so system will show all information for settling the pledge account, if customer provide settled pledge number system will provide new pledge number so as to identify the new pledge account
On payment of full settlement amount normal release slip will come
If customer want to release the gold in the same time, system asks permission to proceed for inventory release module. If BH/ABH permitted, system proceed to Inventory Release Module otherwise not.

29. Gold settlement Process

30. Gold Loan Settlement Process

31. Gold Loan Settlement Process

32. Gold Loan Inventory Release Process
In this module, customer can enter the any pledge number so system will show all information for settling the pledge account, if customer provide settled pledge number system will provide new pledge number so as to identify the new pledge account
The new pledge account number need to entered manually in the inventory release book.
Then Pawn ticket relating to the same pledge account need to be verified by the branch officials. If latest pawn ticket is not available with customer Form K process need to be done as per Company Circulars.
Then customer signature need to be verified using the signed agreement within the branch.
If signature matches, BH/ABH need to confirm in the Release form
An SMS will sent to the customer mobile number to validate the customer. And said validation is not compulsory, if SMS code is not updated BH/ABH employee code need to be entered.
Photo graph of the customer need to be captured along with the confirmation.
Then Release slip will come, BH need to get signature within the form
And need to take the gold ornaments from the safe and to be delivered to customer.

33. Gold Loan Inventory Release process

34. Gold Loan Inventory Release process

35. Gold Loan Inventory Release process

36. Gold Loan Inventory Release process

37. Inventory Release Slip ( New)

38. Gold loan disbursement process on Gold loan Inventory which is kept at branch
In such situation inventory details need not be entered further again
Go directly to GL-1 module within the New Loan in the New Gold loan module
Search the customer as per the normal process that is existing now
On selection of customer, system will show the Inventory IDs on which company can lent money to the customer.
Select the suitable Inventory ID and on confirmation system will show all inventory information for further processing.

39. Gold loan disbursement process on Gold loan Inventory which is kept at branch

40. Customer Search

41. Customer Search -

42. Customer Search -

43. Customer Search -

44. Selection of Inventory ID

45. Selection of Scheme and Loan Amount

46. GL-2 Confirmation

47. ABH Confirmation

48. Pawn Ticket Printing Process

49. Re-pledge Process- without opening the packet
Re pledge option available for online Gold loan customers also. This is exactly similar to existing process
In this module, customer can enter the any pledge number so system will show all information for settling the pledge account, if customer provide settled pledge number system will provide new pledge number so as to identify the new pledge account
As we informed relating to Gold loan settlement, there shall be no option for the following:
Release of Gold Inventory
Form K approval
After completion of Re pledge process, within the GL-1 Screen, the same inventory ID will be available, for taking new loan and the loan proceeds will be adjusted with Re-pledge amount.

50. Re-pledge Process- without opening the packet

51. Re-pledge Process- without opening the packet

52. Re-pledge Process- without opening the packet

53. Re-pledge Process- without opening the packet

54. Re-pledge Process- without opening the packet

55. Re-pledge Process- without opening the packet

56. Re-pledge Process- without opening the packet

57. Re-pledge Process- without opening the packet

58. Re-pledge Process- without opening the packet

59. Re-pledge Process- without opening the packet

60. Re-pledge Process- without opening the packet

61. Re-pledge Process- without opening the packet

62. Re-pledge Process- without opening the packet

63. Re-pledge Process- without opening the packet

64. Re-pledge Process- without opening the packet

65. Pawn Ticket Printing Process

66. Re-pledge Process- by opening the packet
Re pledge option available for online Gold loan customers also. This is exactly similar to existing process
In this module, customer can enter the any pledge number so system will show all information for settling the pledge account, if customer provide settled pledge number system will provide new pledge number so as to identify the new pledge account
As we informed relating to Gold loan settlement, there shall be no option for the following:
Release of Gold Inventory
Form K approval
Then Release inventory process need to be done for releasing the inventory to the customer.
Then BH/ABH need to do New Gold loan disbursement by doing inventory creation process
And the proceeds will be adjusted to Re- Pledge amount.

67. Re-pledge Process- by opening the packet

68. Re-pledge Process- by opening the packet

69. Re-pledge Process- by opening the packet

70. Re-pledge Process- by opening the packet

71. Re-pledge Process- by opening the packet

72. Re-pledge Process- by opening the packet

73. Re-pledge Process- by opening the packet

74. Re-pledge Process- by opening the packet

75. Re-pledge Process- by opening the packet

76. Re-pledge Process- by opening the packet

77. Re-pledge Process- by opening the packet

78. Re-pledge Process- by opening the packet

79. Re-pledge Process- by opening the packet

80. Re-pledge Process- by opening the packet

81. Re-pledge Process- by opening the packet

82. Re-pledge Process- by opening the packet

83. Re-pledge Process- by opening the packet

84. Re-pledge Process- by opening the packet

85. Re-pledge Process- by opening the packet

86. Re-pledge Process- by opening the packet

87. Re-pledge Process- by opening the packet

88. Re-pledge Process- by opening the packet

89. Re-pledge Process- by opening the packet

90. Re-pledge Process- by opening the packet

91. Re-pledge Process- by opening the packet

92. Re-pledge Process- by opening the packet

93. Pawn Ticket Printing Process

94. BACK DATE REQUEST - MODULE

95. Thank You