For clients who are eligible to use interest expense as an income tax deduction, we provide interest paid statement for each loan account.

Our clients are given the option of partially reducing their loan as well as their collateral of gold, as the principal loan amount decreases. This feature enables our clients to take out their gold jewellery as and when they desire. Alternatively, a client has the option of availing any reduced principal available (like a Top Up) which gives them the ultimate freedom and flexibility to reduce or increase their loan, as their need changes and thereby saving interest.

SKN ensures that you get the loan with lowest interest rate and there are no hidden charges or fees involved. The interest rate remains same for the entire duration of your loan period. The full cost of borrowing will be disclosed to you at the loan opening. All our loans are open and you can close it at any time with no penalties. This will give you utmost peace of mind as you clearly understand how much would be the total cost of borrowing before you start the loan.

We provide different loan plans to suit our client’s financial needs, be it short-term or long-term. With us, a client’s financial requirement and his/her repaying ability determines the loan term. Our loan officer organizes a discussion with the client that helps them to prioritize, plan and manage financial needs. In fact, all our loan plans are open and it can be closed at any time you want.

At SKN, clients can obtain up to 95% value of their gold. We make use of latest technologies and programs to assess and appraise the value of gold in order to provide the best value to our clients. In simple terms, we, at SKN Financial, give more value to your gold which in turn, gives you more money.

We take extreme caution in safeguarding your gold. We use commercial bank standard security for safe keeping your gold. We safeguard as per the Industry Security Standards. Also, we have partnered with a major insurance company to insure our client’s gold against uncertain events like theft or fire, with no additional cost to the client.

At SKN Financial, we offer Pre- Authorized Payment Plans (PAD) and also give our clients the options of making payments at their bank branch, online and telephone banking. Clients do not have to visit our branch to make their payments. With a single phone call, we make sure that our clients get updated with their outstanding loan amount, interest rate, etc. All the major banks are included in this payment gateway. Our Pre-Authorized Payment Plans make the payment process faster, simpler and convenient.

SKN Financial is always ready to help. Our team is full of helpful, friendly and enthusiastic people who would provide a detailed explanation about the documentation process, the terms and the conditions, etc. All the costs, terms, conditions are discussed and disclosed with the client to ensure that the client completely understands them.

We, at SKN also speak Hindi, Punjabi, Tamil and Malayalam. Drop by or call us anytime and we would be happy to help.