Frequently Asked Questions

Instant approvals: For secured facilities like Gold Loans, appraisals and counter disbursals are completed on the spot during your branch visit. For MSME, personal, and vehicle credit, our credit team initiates preliminary document verification within 24 to 48 hours of intake submission.

Yes: New businesses and enterprises are eligible to apply. Evaluation is based on the applicant's business profile, promoter track record, operational cash flows, and available security or co-borrower backing.

Yes: We provide specialized commercial lines designed for traders, retailers, and MSME units needing quick liquidity for inventory purchases, seasonal demand, and working capital management.

Not yet, coming soon: Our digital customer mobile application is currently under development. In the meantime, you can initiate requests through our website pre-application desk or visit any of our 12+ counter branches across Kerala[cite: 7].

All pledged gold ornaments undergo certified karat and weight assessment right in front of the customer at the branch counter. Once pledged, items are deposited in bank-grade, fully insured electronic security vaults under multi-tier surveillance until full facility closure.

Gajet Financial Services operates in strict compliance with the RBI Fair Practices Code. All repayment schedules, tenures, and charges are detailed transparently in the sanction letter prior to disbursal, with zero undisclosed deductions.

As highlighted in our corporate profile, Gajet issues Non-Convertible Debentures (NCDs) through private placement to patrons seeking structured fixed-income opportunities. Operations are led by our Debenture Division Head, Mr. Sujit.