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.