Building Financial Confidence with Trust & Transparency

Thirukochi Fincap is a trusted finance company in Kerala, committed to providing secure, simple, and accessible loan solutions for individuals and businesses. With our primary focus on Gold Loans alongside Personal, Business, Home, Education, Agro, Micro Finance, Car & Two-Wheeler Loans, we empower customers with fast approvals, transparent interest rates, and a customer-first experience.

Thirukochi Fincap Policies

At Thirukochi Fincap Limited, our policies ensure transparency, accountability, and responsible financial services. These policies guide our operations and strengthen trust with our customers, partners, and regulatory authorities.

Our Policies

Branch Authorization Policy

Guidelines governing the authorization and operation of company branches.

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Corporate Governance Policy

Ensuring responsible management and transparency in company operations.

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Fair Practices Code

Principles that ensure fair and ethical dealings with our customers.

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Interest Rate Policy

Details regarding interest rates and loan pricing transparency.

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Risk Management Policy

Framework for identifying, assessing, and managing financial risks.

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Know Your Customer (KYC) & AML Policy

Ensuring secure customer verification and prevention of financial crimes.

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Loans to NBFCs Policy

Framework for responsible lending to Non-Banking Financial Companies.

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Business Continuity Plan

Ensuring uninterrupted operations during unforeseen disruptions.

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Credit Facilities Policy

Guidelines for structured and responsible credit offerings.

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Credit Risk Management Policy

Framework for identifying and mitigating credit-related risks.

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Fraud Monitoring Policy

Ensuring timely detection and reporting of fraudulent activities.

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Gold & Silver Loan Policy

Structured approach to loans backed by precious metals.

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Investment Policy

Principles for secure and efficient investment management.

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Financial Services Policy

Framework governing delivery of financial services.

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Outsourcing Policy

Ensuring effective management of third-party services.

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Credit Info & Grievance Policy

Ensuring accurate reporting and prompt issue resolution.

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Investment Portfolio Policy

Guidelines for effective investment portfolio management.

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Income Recognition Policy

Ensuring financial discipline and asset quality standards.

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Financial Statements Policy

Promoting transparency in financial reporting practices.

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Shareholding & Control Policy

Framework for ownership acquisition and control management.

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Capital Adequacy Policy

Ensuring strong capital base for financial stability.

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Credit Risk Transfer Policy

Managing and optimizing credit risk exposure.

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Stressed Assets Resolution

Structured approach for managing and recovering stressed assets.

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Whistle Blower Policy

Encouraging ethical reporting with assured protection.

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ALM Policy

Balancing assets and liabilities to manage financial risks.

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Internal Audit Policy

Ensuring compliance through systematic internal audits.

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IT & Cyber Security Policy

Safeguarding digital systems and sensitive data.

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Fair Practices Code (Kannada)

Fair practice guidelines available in Kannada for better accessibility.

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Fair Practices Code (Malayalam)

Fair practice guidelines available in Malayalam for better accessibility.

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Gold Rate Today – Kerala

₹ 10,539.00 / gm

Updated daily from Thirukochi Fincap gold rates. Rates may vary by market.

Check Gold Loan Options