Gold Loan Online Payment Micro Finance Loan Business Loan Function 24/7 hrs Money Transfer

Our Services


Gold Loan

Pledge your Gold Ornaments or Jewellery and avail the Highest Amount per gram of Gold. Depending on the net weight and purity of the gold, cash will be disbursed quickly. To fulfill your needs, Chemmanur Gold loan provides the best service to the customers with minimum documentation.

Micro Finance Loan

Chemmanur Credits and Investments Limited provide Micro Finance loans to the low income and backward segments of society. We give women priority while giving Micro Finance loans and over – women customers availed our services.

Business Loan

Chemmanur Credits and Investments Limited provide Business loans to individuals of the society called Grameen Shakthi Loans. Business loan helps the individuals to mitigate their difficulty in meeting business requirements or to raise working capital funds. Loan sanctioning will be based on the level of business that meets business requirements of running/ new small business.

Money Transfer

Send and receive money safely and fast in a reliable way through any of the Chemmanur Credits branches. Chemmanur Credits gives you choice and convenience, so you can send and receive money that’s convenient for you.




We are, a non-deposit taking, non-banking financial company (base layer) registered with the RBI bearing registration no. N-16-00185 dated June 10, 2010 under Section 45-IA of the RBI Act primarily engaged in the gold loan sector lending money against the pledge of household gold jewellery (“Gold Loans”) in the state of Kerala, Tamil Nadu and Karnataka. We also provide Microfinance Loans, business and personal loans, money transfer services and distribution of third party insurance products. We have been engaged in the lending business for more than 11 years and are based in Kerala, India. As of September 30, 2022, we operated through 161 branches located across 3 states namely Kerala, Tamil Nadu & Karnataka managed through our registered office located at Thrissur, Kerala and we employ 881 persons in our business operations.


We are a part of Boby Chemmanur Group which is engaged in diverse range businesses and is based in Kerala, India.The group has retail gold jewellery showrooms in USA and Middle East apart from those in India. The Boby Chemmanur Group has received BIS certification for purity of gold.Our Promoter is Chemmanur Devassykutty Boby popularly known as Boby Chemmanur, the Chairman and Managing Director of our Company.Currently, we offer various Gold Loan schemes to suit the individual needs of our customers. Currently we offer Gold Loans for tenure ranging up to 180 days.The schemes differ in relation to interest rate chargeable, amount advanced per gram of gold, tenure, amount of loan.For the three month period ended June 30, 2022, and financial year ended on March 31, 2022, March 31, 2021 and March 31, 2020, our Company held 0.84 tonnes, 0.87 tonnes, 0.87 tonnes, and 0.94 tonnes of gold jewellery respectively, as security for all Gold Loans.


Under our microfinance loan segment (“Microfinance Loans”), we provide unsecured loans to group of women customers (minimum of 5 persons) for their business and personal needs. Under the Joint Liability Group (“JLG”) model, loans are provided to individual customers, however group guarantees the repayment of loans given to individual members of the group. Through this model, our customers, who typically do not have collateral to take up loans, are able to gain access to credit.


We also offer business loans – named as Gramin Shakthi Loan (“Business Loans”) to our customers for their business needs. These are secured business loans where target customers are engaged in small scale business, however, currently dependent on informal sources of funding. This loan type shall enable customers to increase the scale of their business. Gramin Shakthi Loans help the individuals to mitigate the difficulty in meeting business funding requirements or to raise working capital funds.