Your gold is locked with the lender. We release it today.
Tracemetal pays off your gold loan at the bank or NBFC, buys the released gold at a clear, written price, and sends the balance to your bank account the same day.
सोना आपका, फ़ैसला आपका।
For anyone whose gold is working against them.
“The interest keeps growing every month.”
Gold loans from NBFCs and pawnbrokers often charge high interest. The longer the gold stays pledged, the less of its value is left for you.
We close the loan today, so the interest stops today.
“I have received an auction notice.”
At auction, penalties and charges come off first and the price may be lower than market. You risk losing the extra value in your jewellery.
We act before the auction date and pay you the full balance.
“I want to sell, but my gold is with the bank.”
For a wedding, a house, fees or your business. You cannot sell pledged gold until the loan is repaid, and arranging that money is hard.
We fund the release, so you don't have to borrow to sell.
From pledge receipt to money in your account, in one visit.
You stay with us at every step. Nothing happens to your gold without your signature.
- 110 MINUTES
Share your pledge receipt
Send a photo on WhatsApp or visit a branch. We read the weight, purity and loan amount.
- 230 MINUTES
Get a clear written offer
Based on today's gold rate. You see exactly what goes to the lender and what comes to you.
- 31–2 HOURS
We close your loan
Our executive goes with you to the lender and pays the dues directly into your loan account.
- 4SAME DAY
Test, sign, get paid
Gold is weighed and tested in front of you. You sign the valuation report and the balance reaches your bank.
Every gram measured. Every rupee on paper.
Our price is a fixed share of your gold's market value, published on our rate card. Bigger and purer lots get a better rate.
Weighed to 0.01 gram
Stones, wax and hooks are separated and shown as a separate line.
Purity checked by XRF machine
A non-destructive scan shows the exact gold percentage on screen. We check the BIS hallmark HUID too.
Recorded on camera
The full test happens in front of you and is recorded, for your protection and ours.
You sign before we pay
A printed valuation report with every number, signed by you and our valuer.
Sample · for illustration
What happens to your gold, compared.
| Topic | Keep paying interest | Lender auction | Release with Tracemetal |
|---|---|---|---|
| Interest | Keeps adding up every month | Penal interest and charges added | Stops the day we close the loan |
| Who decides the price | No sale yet | The lender, at auction | A published rate card and a test you watch |
| Your extra value | Shrinks as interest grows | Often reduced by auction costs | Paid to you, in full, by bank transfer |
| Time to cash | None | Weeks, if any balance is returned | Same day |
| Credit record | At risk if you miss payments | Loan shows as defaulted | Loan closed normally |
Built to be trusted with a family's gold.
Full KYC on every deal
PAN and Aadhaar verified, bank account confirmed before any payment.
Bank transfer only
Loans are paid to the lender and balances to your account. No cash handling.
Proper paperwork
Signed sale agreement, lender closure letter and purchase invoice for your records.
Insured in transit
Released gold moves under insurance with two-person custody at all times.
No pressure, ever
Take the written offer home and decide in your own time. The offer shows how long it is valid.
Your data stays private
Collected with your consent, used only for your transaction, stored securely.
Recover gold loans faster, without auctions.
We work with lenders to close overdue gold loans in full and to buy auction lots at fair, documented prices.
- Full recovery of principal, interest and charges in one payment
- Fewer NPAs and lower auction costs
- Bulk purchase of auction lots with same-week settlement
- Full KYC and audit trail on every account we close
Straight answers.
Can't find what you need? Ask us on WhatsApp or at any branch.
Which lenders do you release gold from?
Public and private sector banks, NBFCs, co-operative banks and licensed pawnbrokers. If your gold is pledged with more than one lender, we can release all of it on the same day.
How is the price decided?
We take the pure gold content (net weight × tested purity) and multiply it by today's gold rate. Our price is a fixed percentage of that value, shown on our rate card. Larger and purer lots get a better percentage.
Are there any hidden charges?
No. There is one service fee of 0.5% for closing the loan and paperwork, shown on the offer and the valuation report. Nothing else is deducted.
How quickly will I get paid?
Usually the same day, within 2–4 hours of starting. The balance is sent by bank transfer as soon as you sign the valuation report.
What documents do I need?
Your PAN card, Aadhaar or another valid ID, the pledge receipt from your lender, and a bank passbook or cancelled cheque for the payment.
I want to keep my gold. Can you still help?
Yes. If you only want a lower interest rate, we can connect you with lenders that offer gold loan takeovers. There is no charge to you for this.
Is Tracemetal a lender?
No. We do not give loans. We help you close your existing gold loan and then buy the released gold from you at an agreed price.
Tell us about your gold loan.
Our team will call you back with an estimate. There is no obligation to sell.