Unlock the value of your gold with India's most trusted gold loan platform. Quick approval, minimal documentation, and your gold stays 100% insured.
Whether you prefer in-person service or online convenience, we have the perfect loan option for you.
Visit our nearest branch for instant gold loan approval. Secure valuation and transparent documentation.
Learn MoreApply from the comfort of your home. Experience fast, secure, and hassle-free gold loan process.
Learn MoreTransfer your existing gold loan to us and benefit from lower interest rates and better terms.
Learn MoreYour gold can unlock capital for any purpose
Fund daily operations or expand your business with quick capital access.
Seeds, fertilizers, equipment and more for your farming needs.
Build or renovate your dream home without touching savings.
Calculate your gold loan eligibility and monthly interest instantly
From application to disbursal, our streamlined process ensures you get funds when you need them most.
Fill out our simple form or call us. Our loan expert will contact you within minutes.
Our relationship manager will accompany you to the nearest partner bank branch.
Your gold is weighed and valued using certified equipment. Complete KYC verification.
Get funds transferred to your account within 30 minutes. Your gold is safely insured.
Stored in high-security bank vaults with comprehensive insurance coverage
Follow this streamlined flow via Tomasri referrer or app
Reach a local distributor or submit details online/WhatsApp for partner matching.
Partner visits or customer goes to branch; purity/weight checked (e.g., 22k gold at current market rate).
Submit docs; get loan quote (e.g., ₹1 lakh–₹20 lakh based on gold) with interest (typically 9–18% p.a.).
Sign digital/physical agreement; funds hit account in 30–60 mins.
Flexible payments options available to suit your financial needs.
Our experts are here to guide you through every step of the process
India's most trusted gold loan platform with unmatched benefits
Starting from just 0.79% per month - among the lowest in the industry.
Get your loan amount within 30 minutes of gold valuation.
Your gold is stored in high-security bank vaults with full insurance.
Pay EMIs online anytime. Multiple payment options available.
Release part of your gold by making partial payments.
Get maximum loan value for your gold jewelry.
Join those who trust us with their gold
Tomasri Fintech simplifies gold loan balance transfers by connecting customers to better-rate partners, helping save 1-3% interest annually without losing gold collateral.
Balance transfer lets existing gold loan customers shift their loan from a high-interest lender to a lower-rate NBFC or bank while keeping the same gold jewellery as security. Tomasri Fintech acts as the Referral Bridge, matching you with regulated partners offering better terms like lower interest (e.g., 18% p.a.), flexible tenure, or waived processing fees.
High street lenders often charge 14-24% after initial offers expires, but switching via Tomasri Fintech unlocks competitive rates from partners.
Drop 1-3% p.a.; on ₹2 lakh loan, save ₹2,000-6,000 yearly.
Extend tenure, Flexible payments.
Uses existing gold; no CIBIL check needed.
Best after 3-6 months on current loan or when gold value raises 10-15%.
Tomasri streamlines transfers in 3-5 days via local referrers.
Share current loan details (outstanding, interest rate, lender) via WhatsApp/app.
Tomasri Fintech routes to best-fit NBFC/bank based on location and gold value.
Submit statement; gold re-verified (often at current branch).
New lender repays old loan directly; gold custody transfers seamlessly.
Receive top-up if eligible; old account closes automatically.
Transfer your existing gold loan and start saving today
Your trusted partner in gold-backed credit solutions
Tomasri Fintech Pvt Ltd is a new-age Fintech startup focused on making gold-backed credit simple, fast, and transparent for everyday families, self-employed individuals, and small businesses. The company operates on a referral and distributor model, where local partners help customers discover the best gold loan and balance transfer options from regulated lenders instead of lending directly.
Tomasri Fintech acts as a digital bridge between borrowers and RBI-regulated NBFCs and banks that specialize in gold loans, helping customers get fair valuations, clear documentation, and timely disbursal without confusion or hidden conditions.
The Tomasri Fintech referral process is designed to be simple for both customers and referrers.
Customers approach a Tomasri referrer (or register online) and share basic details and gold loan requirements.
The referrer submits the lead to Tomasri's backend, where it is routed to an appropriate lending partner.
The lending partner completes gold appraisal, KYC, and documentation, and then disburses the loan directly to the customer as per its own policies and RBI regulations.
Finally the loan is successfully disbursed to the customer's account.
Tomasri Fintech aims to make gold loans and balance transfers less stressful and more transparent.
Choosing Tomasri Fintech referral platform gives customers access to gold loan and balance transfer options from RBI-regulated partners, often with lower interest rates and faster processing than direct lenders.
Valuation, interest rate, and charges are clearly explained by partner institutions, while Tomasri Fintech guides the customers for understanding what they are signing.
Existing gold loan customers can explore shifting to lower-rate or more flexible schemes through Tomasri Fintech partner network, helping reduce interest outgo and free up monthly cash flow.
“By focusing on clarity and support, Tomasri Fintech wants customers to treat gold as a secure financial tool, not a last-minute emergency option.”
Grow your income by becoming a Tomasri Fintech distributor
Tomasri Fintech is a referral company, a major part of its growth comes from local partners, DSAs, and distributors.
Individuals, retailers, and small financial consultants can join as Tomasri Fintech distributors, refer gold loan customers, and earn attractive commission on every disbursed loan, similar to other “refer and earn” and gold loan agent programmes in the market.
We provide support on on-boarding documents, distributor forms, lead documentation, customer handling, and escalation paths so they can operate professionally and compliantly.
Since many gold loan customers renew, or transfer their loans over time, referrers can build a recurring business by maintaining strong relationships and continuously routing customers through Tomasri Fintech partner network.
Join our growing network of successful distributors and start earning today
Everything you need to know about gold loans
Still have questions?
Contact Our TeamTomasri Fintech is a Referral company focused on providing gold loans and gold loan balance transfer services to customers who want fast, secured funding against their gold jewellery.
Customers can pledge their gold ornaments through Tomasri Fintech and receive a loan based on the value of the gold, or transfer an existing gold loan from another lender through Tomasri Fintech Pvt Ltd to enjoy better interest rates and service.
A gold loan is a secured loan where you pledge your gold ornaments (usually 18–22 karat jewellery) as collateral in exchange for funds, which you repay through flexible repayment options.
The loan amount is usually a percentage of the market value of your gold, calculated using the prevailing gold rate and capped as per RBI-prescribed loan-to-value (LTV) limits.
Commonly required documents include Aadhar, PAN for identity, an address proof (Aadhar, utility bill, or voter ID), and recent photographs; additional income proof may be requested depending on the profile and ticket size.
A gold loan balance transfer means shifting your existing gold loan from your current bank or NBFC to another lender that offers better interest rates, charges, or service, while keeping the same pledged gold as collateral.
Customers typically transfer their gold loans to get benefits like lower interest rates and flexible payments. By transferring your existing gold loan through a Tomasri Fintech its referral partner offers lower interest rates and faster processing via RBI-regulated lenders.
In a standard transfer, the new lender sanctions a fresh gold loan, clears the outstanding amount with your existing lender, and then arranges the safe transfer of your pledged gold and loan documents to the new institution.
Most lenders levy processing fees, valuation charges, and sometimes foreclosure or pre-closure fees from the existing lender.
Customers can typically apply by visiting a branch, or by contacting local referrer (via WhatsApp, phone), sharing basic details through website, and scheduling a gold valuation visit as guided by the company.
Customers can contact support through the company's published phone number, WhatsApp, email, or branch network during working hours for queries related to loans, payments, or gold security.
Your gold remains secure in partner vaults with mandatory insurance and surveillance, while Tomasri Fintech Pvt ltd handles no direct fund disbursement or gold custody to minimize risks.
Fill out the form and our loan expert will contact you within 30 minutes to discuss the best loan options for you.