You are aware that the tenure of the loan is 12 months. You can repay the Principal within 12 months in equitable installments or as you wish from as low as Rs.100/- . However, interest has to be serviced monthly, as per the terms of sanction. Principal and interest can be paid at Kovai Tech Nidhi Ltd . However, the pledged ornaments will be released/handed over only at the branch from where the loan was originally availed. Any amount can be repaid by way of Cash / Cheque / RTGS / NEFT.