Frequently Asked Questions
Everything you need to know about loan evaluation, interest rate calculations, repayment schedules, and vault security.
Customer Knowledgebase (7 Answers)
What items are accepted for Gold Loans?
We accept gold jewelry and ornaments ranging from 18 Karat to 24 Karat purity. Gold coins or bullion are evaluated as per RBI regulatory guidelines.
How is interest calculated on Gold Loans?
Interest is calculated on a daily reducing balance basis. You only pay interest for the exact number of days your loan remains active.
What is the turnover requirement for MSME Business Loans?
We offer business loans starting for enterprises with a minimum annual audited turnover of ₹10 Lakhs and 2 years of active business operations.
What repayment methods are available?
You can repay EMIs or gold loan interest online via UPI, NetBanking, Debit Card, NACH Auto-Debit, or cash/cheque at any of our 38+ physical branches across Kerala.
Are online payments safe on Vyaparavijayam portal?
Yes, all digital transactions use 256-bit SSL encryption and process through PCI-DSS compliant banking payment gateways.
Is Vyaparavijayam registered with the Reserve Bank of India?
Yes, Vyaparavijayam Trades and Agencies PVT LTD is a non-deposit taking NBFC registered with RBI under Certificate of Registration No. N-16.00284.
How can I lodge a complaint or grievance?
You can submit grievances through our online Grievance Redressal form, email grievance@vyaparavijayam.com, or write to our Nodal Grievance Officer at our Registered Office in Thrissur.
Have More Questions?
Our financial advisors at our Registered Office in Thrissur or regional branch offices are ready to assist you.