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

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

LOGIN TAB in Application Portal

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

New Gold Loan Disbursement Process:

Customer Search -

Customer Search -

Customer Search -

Customer Search -

Entry of Inventory Details

Entry of Inventory Details

Entry of Inventory Details

Entry of Inventory Details

GL-1 Confirmation

GL-1 Confirmation

GL-1 Confirmation

GL-2 Confirmation

GL-2 Confirmation

ABH Confirmation for Final Confirmation of Pledge Account

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

PAWN TICKET Printing

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

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

EXISTING GL-1 SLIP

CHANGED GL-1 SLIP

FILLED INVENTORY SLIP

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

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.

Gold settlement Process

Gold Loan Settlement Process

Gold Loan Settlement Process

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.

Gold Loan Inventory Release process

Gold Loan Inventory Release process

Gold Loan Inventory Release process

Gold Loan Inventory Release process

Inventory Release Slip ( New)

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.

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

Customer Search

Customer Search -

Customer Search -

Customer Search -

Selection of Inventory ID

Selection of Scheme and Loan Amount

GL-2 Confirmation

ABH Confirmation

Pawn Ticket Printing Process

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.

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Re-pledge Process- without opening the packet

Pawn Ticket Printing Process

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.

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Re-pledge Process- by opening the packet

Pawn Ticket Printing Process

BACK DATE REQUEST - MODULE

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