KVIX

KVIX – Gold Loan Facilitation Platform for Jewellers, Lenders & Customers (India) KVIX is a digital platform that facilitates secured gold loan applications by connecting customers, local jewellers, and RBI-registered NBFC gold loan lenders in India. The platform enables transparent, compliant, and technology-driven access to gold loan services while supporting jewellers and lenders with efficient customer onboarding. Important Loan Disclosure (Mandatory) Loan facilitation only: KVIX does not provide loans KVIX does not set loan terms and does not collect repayments All loans are approved, issued, and disbursed solely by RBI-registered NBFC partners Loan products are governed by applicable RBI regulations KVIX acts only as a technology and loan facilitation platform Lending Partner Details (Mandatory) Lending Partner: Vicky Electronics Private Limited Entity Type: RBI-Registered NBFC RBI Registration Number: 13.00748 Dated 20th April 1998 Country of Operation: India Final loan approval, interest rate, tenure, fees, and disbursement decisions are made exclusively by the NBFC. Loan Terms & Conditions – Gold Loans (Mandatory) Loan Type: Secured Gold Loan Repayment Type: Bullet repayment Minimum repayment period: 60 days (2 months) Maximum repayment period: 270 days (9 months) Interest rate range: 12% to 39% per annum Maximum Annual Percentage Rate (APR): 39% per annum Processing / valuation fee: Up to 0.5% to 1.00% of loan amount GST on applicable fees: 18% Maximum effective fee including GST: 0.59% to 1.18% Representative Example for a loan that attracts maximum interest rate including delays in repayment under a interest rate scheme that has highest interest rate for which there is no additional fees as as under– Total Cost of Loan (Mandatory) If a customer avails a secured gold loan of ₹1,000 for 270 days (9 months) at the maximum APR of 39%: Interest charged: ₹292.50 Processing / valuation fee (including GST): ₹ 0 (For the loan that attracts highest interest rate) Total cost to the customer: ₹292.50 Total repayment amount: ₹1,292.50 Actual loan terms may vary based on gold valuation, selected scheme, and lender assessment. For Jewellers & Business Owners Digitally onboard customers seeking gold loans Facilitate gold loan applications through RBI-regulated NBFC lenders Reduce capital lock-in and credit risk Participate in the formal financial ecosystem Improve operational efficiency and customer service For Customers Apply for secured gold loans through trusted Jewellers Access RBI-regulated NBFC lenders View transparent interest rates, fees, and repayment terms Build formal credit history For Gold Loan Lenders Acquire customers through trusted jeweller networks Reduce customer acquisition and credit costs Scale gold loan distribution efficiently Compliance & Important Notes KVIX does not offer unsecured loans or payday loans. It facilitates only Loan against Gold Jewellery KVIX does not guarantee loan approval Loan amounts, interest rates, and fees are determined solely by the NBFC All lending activities comply with RBI guidelines and Google Play policies Quick Start Download the app and register as a jeweller to begin the gold loan facilitation process. Permissions & Privacy KVIX collects only the minimum data required for loan facilitation, regulatory compliance, and user support. Please review our Privacy Policy and Terms & Conditions for complete details.