Around 75 per cent of MCFL’s assets will be from gold and diamond jewellery loans, while SME & MSME loans cover the remaining. The average ticket size of gold and diamond jewellery loans is INR 75 thousand with the interest rates starting from 1 per cent per month onwards. With aim to become a well-entrenched and dynamic player in the gold and diamond jewellery loan market by 2023. Most of the gold and diamond jewellery loan customers are into small and medium businesses. Gold and diamond jewellery are an easy loan where the disbursement process can be completed over the counter within 20 minutes..