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PRIME — Gold Loan Management Platform
Gold Loan Management Platform

Unlock your gold loan potential.

PRIME is your strategic ally in transforming gold loan operations into a powerhouse of efficiency and growth — from granting to auction, all in one platform.

Trusted by leading gold lending institutions across the region.

Request a Demo
ISO 9001:2015 Certified
Cloud & On-Premises
By Sampath Bank
MODULES
GRANTING MODULE

Streamline every loan from application to disbursement.

PRIME automates the full loan granting workflow — eligibility checks, article appraisal, interest calculation, and multi-method disbursement — reducing processing time and eliminating manual errors.

Slab-wise interest rate configuration automatically applies the right rates based on loan amount, article type, and regulatory guidelines.

ARTICLE COLLATERAL MANAGEMENT

Track every article with precision and confidence.

PRIME maintains a detailed record of every pledged asset — weight, purity, karatage, appraised value, and loan association — giving your team complete visibility at every stage.

Flexible karatage and measure type configuration supports diverse article types, from jewellery and coins to other gold assets across your entire portfolio.

CUSTOMER MANAGEMENT

Know your customers. Grow with them.

PRIME maintains a comprehensive database of every customer — KYC details, nominee information, loan history, transaction records, and interaction preferences — all instantly accessible.

Streamlined onboarding gets new customers transacting in minutes, while blacklist management and role-based access keep your operations secure and compliant.

PRIME brings every loan, every article, and every customer together, using intelligent management tools to help gold lenders operate with precision, compliance, and growth.

Whether you're running a single branch or a nationwide network — gold loan management is too important to leave to outdated systems. PRIME changes that.

FEATURES

Your entire portfolio at a glance.

PRIME serves real-time dashboards with KPIs that matter — active loan counts, portfolio value, interest due, and overdue alerts — so branch managers and executives always have the full picture.

Run auctions seamlessly, end to end.

PRIME's integrated Auction Module handles scheduling, bidding, and settlement in one workflow. Manage overdue articles with full visibility, automated notifications, and compliant settlement processes.

Payments and renewals handled automatically.

Automated repayment calculations, interest postings, and renewal processing remove the manual burden from your staff. Payment reminders are sent on schedule, and every transaction is recorded with a full audit trail.

One system, every branch.

PRIME scales from a single outlet to a large multi-branch network. Centralised control and cross-branch reporting give head office complete oversight while branch staff operate within their scope.

Every number, every trend — at a glance.

PRIME's built-in analytics dashboards give branch managers and executives a live view of portfolio performance, interest collection, loan volume trends, and customer activity — so decisions are always backed by data.

AI article appraisal in under 60 seconds.

PRIME's One Minute Granting uses AI-powered article recognition to identify jewellery type, estimate karatage, purity, and weight — and return a verified appraised value in under 60 seconds. No manual look-ups, no delays.

FAQs

Frequently Asked Questions

Everything you need to know about PRIME, from deployment to security. Still curious? Drop us a message and we'll get right back to you.

What is PRIME and who is it built for?
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PRIME is a comprehensive gold loan management software solution developed by Sampath Information Technology Solutions (SITS), a fully owned subsidiary of Sampath Bank PLC. It is built for gold lending institutions of all sizes — from single-branch operators to large multi-location networks — looking to modernise and scale their gold loan operations.
What modules does PRIME include?
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PRIME includes a full suite of modules: Loan Granting, Article Collateral Management, Customer & Nominee Management, Customer Onboarding, User Management, Blacklist Management, Slab-wise Interest Rate Configuration, Article Renewal, Payment Processing, Karatage & Measure Types, Auction Module, Article Release, Ticket & Receipt Cancellation, Comprehensive Audit Log, Duplicate Print, System Reports & Analytics, Letter Management, Multi-Branch Support, and full Configurability.
How does PRIME handle interest rate configuration?
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PRIME supports slab-wise interest rate configuration, automatically calculating the applicable rate based on loan amount, article type, market conditions, or regulatory guidelines. This eliminates manual rate look-ups and ensures every loan is processed accurately and consistently.
Can PRIME support multiple branches?
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Yes. PRIME is built for multi-branch operations. It provides centralised control and consolidated reporting across all locations, while allowing branch-level staff to operate within their designated scope. Head office maintains complete oversight of portfolio performance across the entire network.
What are the hosting options for PRIME?
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PRIME offers two flexible deployment models. Cloud-based hosting is scalable and remotely accessible — SITS manages the infrastructure on your behalf. On-premises hosting gives you full control within your own infrastructure, ideal for organisations with specific security, compliance, or data sovereignty requirements.
Is PRIME certified and compliant?
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Yes. PRIME is ISO 9001:2015 certified, meeting the quality management standards set by the International Organization for Standardization. The platform is also built with state-of-the-art security measures and comprehensive audit logging to help your organisation meet and exceed industry regulatory standards.
How do we get started with PRIME?
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Contact our Sales Team at hello@sits.lk or visit www.sits.lk to request a live demo or a free trial. Our team will walk you through the platform, configure it to your organisation's specific needs, and provide dedicated support throughout your onboarding journey.