Frequently Asked Questions

You only need to be 18 years or older and present any valid government-issued photo ID:

• National Identity Card (NIC)
• Valid Sri Lankan Passport
• Valid Sri Lankan Driving License

No salary slips, bank statements, or guarantors are needed.

Yes, absolutely. You can choose to receive physical currency notes on the spot or request an instant CEFT / SLIPS bank transfer directly into your personal bank account.

We accept 18K, 20K, 22K (916), and 24K (999) gold in all forms:

• Chains, necklaces, chokers, bangles, bracelets, rings, earrings, pendants
• Gold coins, sovereign pavan, minted bullion
• Single earrings, broken chains, and scrap gold items

No. We use state-of-the-art non-destructive electronic testing and precision touchstone methods. Your precious jewelry suffers zero scratches, incisions, or weight loss.

Today's maximum advance for 1 Sovereign (8.0g) of 22K gold is up to Rs. 215,000. Rates are benchmarked with active bullion indices to ensure you always get top value.

Interest is calculated strictly on a daily reducing basis. You only pay for the exact number of days your loan was active. There are no penalty charges for early redemption.

Yes. You can pay down any portion of your principal amount whenever you have funds, which immediately reduces your monthly interest. If your loan period expires, you can simply pay the accumulated interest to renew the loan for another period.

Zero hidden fees. We do not charge documentation fees, assay charges, insurance surcharges, or stamp duties. What we quote is what you receive.

Your gold jewelry is placed in a numbered, tamper-evident security pouch sealed in your presence. It is then locked inside heavy-armor, fireproof, dual-custody safe vaults with 24/7 CCTV surveillance and full insurance protection.

Simply bring your original pawn ticket and your valid NIC to our Batticaloa branch (4C Kumarathan Kovil Road, Iruthayapuram). Upon settling your outstanding balance, your sealed tamper-proof pouch will be retrieved from the vault and handed back to you immediately.