Swarnam Gold Loan

Gold-Backed Financing

Take the value of your gold while it stays in your name, held in secure custody and returned when you settle.

OVERVIEW

Gold That
Works for You

Your gold is more than a valuable possession—it's an opportunity to access financial support whenever you need it.

PIC Investments' Gold-Backed Financing solution allows you to unlock the value of your gold ornaments, coins, or bars while keeping your ownership intact. Our streamlined process ensures quick approvals, transparent pricing, and secure storage throughout the financing period.

Financing based on current gold valuation
All charges disclosed in writing before you sign
Secure vaulted custody
Flexible settlement options

SIMPLE & TRANSPARENT PROCESS

4 Steps to Get Cash for Your Gold

Experience fast, ethically structured gold-backed financing with full security and peace of mind.

Bring Your Gold

Bring your gold to any PIC Swarnam branch or PremiumLounge.

Step 1 of 4

Valuation & Safe Storage

We safely value and store your gold in secure, vaulted custody.

Step 2 of 4

Instant Funds Disbursement

Funds are released to you once the valuation is agreed.

Step 3 of 4

Settle & Collect Your Gold

Settle the facility and collect your gold when you are ready.

Step 4 of 4

HOW IT WORKS

Simple, Safe
and Clear

Step 01

Visit a Branch

Bring your gold jewellery and your National Identity Card to any PIC Investments branch.

Step 02

Testing &
Valuation

We test and value your gold in front of you and tell you what it is worth.

Step 03

Safekeeping

Your gold is sealed, recorded on your ticket and stored in our secure vault.

Step 04

Take a Loan
If You Need One

If you need cash, take a loan against your gold. You repay only what you borrow.

Step 05

Collect
Your Gold

Return with your ticket, settle your safekeeping rental and any loan amount, and collect your gold.

KEY FEATURES

Six reasons Sri Lanka trusts PIC Investments.

We combine 42 years of trusted service with transparent, pre-disclosed charges.

Easy Access

Available to anyone with eligible gold jewellery through a simple financing process.

Transparent Fees

No hidden charges. All fees are explained clearly before approval.

Fast Processing

Quick approvals so funds are available when you need them.

Flexible Repayment

Gradual repayment options structured to match your financial situation.

Secure Storage

Your gold is safely stored while ownership always remains with you.

Trusted Service

Professional support with reliable, ethically structured financing.

FINANCIAL TOOLS

Gold Loan Calculator

Get an instant indicative estimate for your gold financing. Final figures are confirmed upon branch assessment.

Caratage (Karat)

Tenure / Period (Months)

Gold Weight

1 g250 g500 g

Current rate for 22K gold: 43,125 LKR / gram

Your Estimate

Gold

Caratage & Weight: 22K Gold · 25 grams
POSSIBLE LOAN AMOUNT: 646,875 LKR
Safekeeping Service Fee: 129,634 LKR

Apply Via WhatsApp

*Indicative estimate only. Final terms subject to assessment at any PIC branch.

FREQUENTLY ASKED QUESTIONS

Questions About Swarnam Gold Loan

Swarnam gives you two simple services. First, you can keep your gold safely with us. Second, if you need cash, you can take a loan against your gold, and you repay only what you borrow.