Case studies

Sudhan Gold Loan disburses gold loans in 14 minutes across 350+ branches, on fully paperless, RBI-grade documentation

How a gold-loan aggregator for 17 credit co-operative societies replaced 10-signature paper kits with Aadhaar eSign at the branch counter.

Sudhan Gold Loan
Gold loans
Credit co-operatives
350+ branches
Free PDF, no form to fill
14min

Gold-loan turnaround once the borrower enters the branch

~10×

Monthly document volume in year one (8–10k to 70–80k)

1L+

Gold-loan cases a month

Leegality products used

BharatSign® Aadhaar eSign
Biometric eSign
Workflow builder
Vernacular templates
Audit trail

Hear it from the co-founder

Swapnil Ghan on taking 350+ branches paperless. Hindi and Marathi audio, with captions.

Sudhan Gold Loan turned a long, tiring paper process into a simple Aadhaar eSign flow

Before: paper kits
7 steps · printed, couriered, audited, returned
1

Customer walks into the branch

2

Form is printed after gold valuation Reprint

4–5 pages in reduced font, 9–10 at full size
3

9–10 signatures taken on every form ×10

4

Revenue stamp affixed on every promissory note

5

Paperwork couriered to the central team In transit

6

Audit team checks every signed kit

~2,000 forms per branch, every month
7

Kit sent back to the branch if discrepancies are found Rejected

Travel, daily and travel allowance, overheads across 8 states
Back to step 2, and round again
~2,000
paper forms a month, per branch
“2,000 forms a month in one branch. I have 350 branches. So how much paper was I using?”
Swapnil Ghan
Swapnil Ghan
Co-founder, Sudhan Gold Loan
After: Leegality
5 steps · 14 minutes at the counter

Customer walks in; onboarding pulls everything from Aadhaar

“You don’t type anything. All you enter is the amount.”

Agent values the gold and photographs the jewellery

Loan kit auto-generates in the branch’s language, with gold photos attached

7–8 languages live

Borrower signs with Aadhaar OTP or biometric

Signed PDF is stored centrally and sent to the borrower by SMS

Downloadable any time
14 min
walk-in to signed loan kit
“Our agenda was dead simple: the way people use WhatsApp, that’s how they should use my tech.”
Swapnil Ghan
Swapnil Ghan
Co-founder, Sudhan Gold Loan

What Sudhan Gold Loan gained with Leegality

12 people

support 350+ branches

Every form checked centrally, not branch by branch
Travel, daily and travel allowances for audit trips eliminated
TAT monitored daily from a live ops floor to stay under 14 minutes
“For 350 branches, my support team here is just 12 people. You tell me, how do I manage 350-plus branches with 12 people?”
Swapnil Ghan
Swapnil Ghan
Co-founder, Sudhan Gold Loan

Sudhan now handles 10× the volume, without needing extra people

Year-one results

~10×
Monthly document volume in year one, 8–10k to 70–80k
14 min
Branch turnaround, monitored daily on a live ops floor
2–4
Support calls in a full year
12
People supporting 350+ branches
“If anything, your mails keep arriving with updates.”
Swapnil Ghan
Swapnil Ghan
on 2–4 support calls in a full year

Read the full Sudhan Gold Loan story

Free, no form. Inside the PDF:

The RBI compliance map, expectation by expectation
The fraud model, and how the signed PDF closes it
The rollout timeline, from first UAT to 350+ branches
Sudhan’s expansion plan from here

Why Sudhan switched to Leegality

Everything on Sudhan’s checklist

eSign
Aadhaar-based
OTP
Face
Biometric
Aadhaar verification
“When we say ‘Sir, we need this’ and they don’t have it, they are ready to explore things that are not in their scope right now.”
Swapnil Ghan
Swapnil Ghan
on why culture beat the checklist

Live in a few months

Oct ’24
Sudhan’s own platform complete
Built paperless-first after 3 years of manual operations
May ’25
First Leegality UAT
Workflow built in three hours
Jun ’25
Production workflow is setup
July ’25
Live in production Live
Across 350+ branches

Watch what Sudhan had to say

Under a minute each, straight from co-founder Swapnil Ghan.

“We are not working for the money. We are working for the purpose. And we feel Leegality works with a purpose too.”
Swapnil Ghan
Swapnil Ghan
Co-founder, Sudhan Gold Loan

Running gold or secured loans across branches?

See the Aadhaar eSign flow Sudhan uses, set up for your loan kit.

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