✨ Trusted by 10+ Customers

Gold Loans at 0.79% per month*

Unlock the value of your gold with India's most trusted gold loan platform. Quick approval, minimal documentation, and your gold stays 100% insured.

⏱️

30 mins

Instant Disbursal

%

0.79%/mo

Low Interest

🛡️

Bank Vaults

100% Secure

Get a callback from our loan expert

+91
✓ No spam. Your number is 100% safe with us.

Why We're #1 in Gold Loans

Loans Disbursed ₹1 Cr+
Happy Customers 10+
Bank Branches 10+
States Covered 5+
✓
No CIBIL Check
✓
Part Release
✓
No Hidden Fees

Gold Rate Today

₹8,471/gm (22KT)

Partnered with India's Top Banks

Lending Partner Coming Soon

🤝 More Partners Coming Soon

5+

Loan Schemes

10+

Branches

5+

States Covered

24/7

Customer Support

Flexible Options

Choose Your Gold Loan Type

Whether you prefer in-person service or online convenience, we have the perfect loan option for you.

🏦
Instant Disbursal

In-Branch Gold Loan

Visit our nearest branch for instant gold loan approval. Secure valuation and transparent documentation.

Learn More →
🌐
Apply Online

Online Gold Loan

Apply from the comfort of your home. Experience fast, secure, and hassle-free gold loan process.

Learn More →
🔄
Shift Your Loan

Balance Transfer

Transfer your existing gold loan to us and benefit from lower interest rates and better terms.

Learn More →

Gold Loan for Every Need

Your gold can unlock capital for any purpose

💼

Business Needs

Fund daily operations or expand your business with quick capital access.

🌾

Agriculture

Seeds, fertilizers, equipment and more for your farming needs.

🏠

Home Renovation

Build or renovate your dream home without touching savings.

🧮 Smart Tool

Gold Loan Calculator

Calculate your gold loan eligibility and monthly interest instantly

₹ Enter Loan Details

₹5,00,000
₹50K ₹25L
0.85%
0.75% 1.5%
6 Months

⚖️ Your Loan Summary

Gold Required (22KT)

79 grams

Based on gold rate ₹8,471/gm

⚖️

Monthly Interest

₹4,250

Total Interest

₹25,500
✓ Competitive Rates
✓ 6-12 Month Tenure
✓ Quick Release
✓ Zero Prepayment
Simple Process

Get Gold Loan in 4 Easy Steps

From application to disbursal, our streamlined process ensures you get funds when you need them most.

1
📞

Request a Callback

Fill out our simple form or call us. Our loan expert will contact you within minutes.

2
👤

Meet Our Executive

Our relationship manager will accompany you to the nearest partner bank branch.

3
⚖️

Gold Assessment

Your gold is weighed and valued using certified equipment. Complete KYC verification.

4
💰

Instant Disbursal

Get funds transferred to your account within 30 minutes. Your gold is safely insured.

🛡️

Your Gold is 100% Safe & Insured

Stored in high-security bank vaults with comprehensive insurance coverage

📋 Complete Guide

Step-by-Step Gold Loan Process

Follow this streamlined flow via Tomasri referrer or app

1
📞

Contact Tomasri Fintech Pvt Ltd

Reach a local distributor or submit details online/WhatsApp for partner matching.

✓ Online application available
✓ WhatsApp support
✓ Local distributor network
2
⚖️

Gold Appraisal

Partner visits or customer goes to branch; purity/weight checked (e.g., 22k gold at current market rate).

✓ Professional valuation
✓ Certified equipment used
✓ Current market rates applied
3
📄

KYC & Offer

Submit docs; get loan quote (e.g., ₹1 lakh–₹20 lakh based on gold) with interest (typically 9–18% p.a.).

✓ Simple documentation
✓ Instant loan quote
✓ Competitive interest rates
4
💰

Agreement & Disbursal

Sign digital/physical agreement; funds hit account in 30–60 mins.

✓ Digital agreement option
✓ Quick disbursal (30-60 mins)
✓ Direct bank transfer
5
🔄

Repayment

Flexible payments options available to suit your financial needs.

✓ Multiple payment options
✓ Part payment allowed
✓ Online payment facility

Ready to Get Started?

Our experts are here to guide you through every step of the process

🏆 Why We're #1

Why Choose Tomasri Fintech?

India's most trusted gold loan platform with unmatched benefits

%

Lowest Interest Rates

Starting from just 0.79% per month - among the lowest in the industry.

⏱️

Quick Disbursal

Get your loan amount within 30 minutes of gold valuation.

🛡️

Bank-Grade Security

Your gold is stored in high-security bank vaults with full insurance.

📱

Hassle-Free Repayment

Pay EMIs online anytime. Multiple payment options available.

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Part Release Option

Release part of your gold by making partial payments.

📈

High Per-Gram Value

Get maximum loan value for your gold jewelry.

Numbers That Speak for Themselves

Join those who trust us with their gold

₹1 Cr+

Loans Disbursed

10+

Happy Customers

5+

States Covered

10+

Bank Branches

✓ RBI Regulated
✓ ISO Certified
✓ Insured by Top Companies
✓ Bank Partners
🔄 Balance Transfer

Gold Loan Balance Transfer

Tomasri Fintech simplifies gold loan balance transfers by connecting customers to better-rate partners, helping save 1-3% interest annually without losing gold collateral.

💡

What is Gold Loan Balance Transfer?

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.

🎯

Why Transfer Your Gold Loan?

High street lenders often charge 14-24% after initial offers expires, but switching via Tomasri Fintech unlocks competitive rates from partners.

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Interest Savings

Drop 1-3% p.a.; on ₹2 lakh loan, save ₹2,000-6,000 yearly.

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Better Terms

Extend tenure, Flexible payments.

✅

No Credit Impact

Uses existing gold; no CIBIL check needed.

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Perfect Timing

Best after 3-6 months on current loan or when gold value raises 10-15%.

🔄

Tomasri Fintech Balance Transfer Process

Tomasri streamlines transfers in 3-5 days via local referrers.

1

Contact Referrer

Share current loan details (outstanding, interest rate, lender) via WhatsApp/app.

2

Partner Matching

Tomasri Fintech routes to best-fit NBFC/bank based on location and gold value.

3

Documents & Appraisal

Submit statement; gold re-verified (often at current branch).

4

Approval & Switch

New lender repays old loan directly; gold custody transfers seamlessly.

5

Funds & Closure

Receive top-up if eligible; old account closes automatically.

Ready to Save on Your Gold Loan?

Transfer your existing gold loan and start saving today

📝 About Us

Understanding Tomasri Fintech

Your trusted partner in gold-backed credit solutions

🏢

Who We Are

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.

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Our Role as a Digital Bridge

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.

⚙️

How Our Referral Process Works

The Tomasri Fintech referral process is designed to be simple for both customers and referrers:

1

Customer Approach

Customers approach a Tomasri referrer (or register online) and share basic details and gold loan requirements.

2

Lead Submission

The referrer submits the lead to Tomasri's backend, where it is routed to an appropriate lending partner.

3

Partner Processing

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.

4

Successful Disbursal

Finally the loan is successfully disbursed to the customer's account.

✨

Benefits for Customers

Tomasri Fintech aims to make gold loans and balance transfers less stressful and more transparent.

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Better Choice

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.

📊

Transparent Process

Valuation, interest rate, and charges are clearly explained by partner institutions, while Tomasri Fintech guides the customers for understanding what they are signing.

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Smarter Balance Transfers

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.

🎯

Our Mission

By focusing on clarity and support, Tomasri Fintech wants customers to treat gold as a secure financial tool, not a last-minute emergency option.

💼 Join Our Network

Career & Partnership Opportunities

Grow your income by becoming a Tomasri Fintech distributor

🤝

Opportunity for Referrers and Distributors

Tomasri Fintech is a referral company, a major part of its growth comes from local partners, DSAs, and distributors.

💰

Side Income Opportunity

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.

✓ Earn on every successful loan
✓ Flexible working hours
✓ No investment required
📋

Comprehensive Support

We provide support on on-boarding documents, distributor forms, lead documentation, customer handling, and escalation paths so they can operate professionally and compliantly.

✓ Complete training provided
✓ Marketing materials support
✓ Dedicated support team
🔄

Long-term Relationships

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.

✓ Recurring income potential
✓ Build your customer base
✓ Grow with us

Ready to Start Your Journey?

Join our growing network of successful distributors and start earning today

❓ Have Questions?

Frequently Asked Questions

Everything you need to know about gold loans

Tomasri 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.

Still have questions?

Get Started Today

Apply for Gold Loan Now

Fill out the form and our loan expert will contact you within 30 minutes to discuss the best loan options for you.

✓

Get personalized loan offers

✓

Compare rates from multiple banks

✓

Doorstep service available

✓

Quick approval, instant disbursal

📞

Mobile

+916301331382
📍

Branches

10+ Locations

Request a Callback

+91

🔒 Your information is 100% secure with us