Anyone who is a member and owns gold ornaments can avail the jewel loan.

To obtain the gold loan, you need to submit your gold jewelry (within the Karat range of 18 to 24 k) at Kovai Tech Nidhi Ltd branch. The jewel loan amount will be sanctioned on the basis of gold valuation by duly appointed Jewel Appraisers which involves verification of its purity. The weight of stones etc. fixed on the ornaments will be deducted for the purpose of valuation.