Customer Contact Step

Greeting & Introduction

Baiting ( getting customer

interested)
( For response track 1, 4 &5 )

Conversation Track 1
( Objection handling & taking the
conversation forward)

Conversation Track 2
( Response management & taking
the conversation forward)

Conversation Track 3
( Response management & taking
the conversation forward)
 Open Market Ba
Script

Good morning/AN/Eve, Sir/Madam, I am Ms xxxxxxxxx calling from ABC branch of Muthoot Finance. I called you to d
something which would be of help to you. Is this a good time to talk?

At Muthoot finance, we help customers who are in need of money, with instant loans at very affortable interest rat
you looking for funds at this point in time Sir/Madam?

Sir/Madam, do you have any gold loan with a bank or NBFC presently?

Sir/Madam, However, are you looking at closing your high cost loans or are you looking at closing your small EMI lo

Thank you very much for your precious time. Whenever you are in need of money, please come to Muthoot Finance B

Sir/Madam, could you tell me how much money are you looking for and how soon do you want it. Based on the value
urgency, I can suggest the right loan

Sir/Madam, Could you tell me how much money are you looking for and how soon do you want it. Based on the valu
urgency, I can suggest the right loan

Sir/madam, I would request you to help me understand your requirement better through the following questions
1. How soon do you want to close the loan?
2. Are you working or running your own business?
3. Is this money for your personal or business use?
ase/BTL Leads
Potential Customer response/ Objections

1. I am Busy
2. How did you get my number?
3. Don’t dare to call me again.
4. What is it regarding?
5. Yes, pls tell me

1. No I don't need any funds now

2. What kind of loans do you provide?
3. Yes, I am looking for funds

No, I don’t have a gold loan

No, I am not looking at closing any loan

I do not need funds now, but I may need it

after some time

I need 5 Lakhs and I need it quickly

1. I need it for a period of 1 year

2. I work for XXX company
3. This is for personal use
1. I need it for a period of 3-5 years
2. I run my own business
3. This is for business use
 Suggested Response to handle objections Call Flow

1. I would be happy to call you back again sir. Would today

afternoon or tomorrow morning be convenient for a call back?
2. My apologies for this unsolicited call. You have been referred 1. Call back for a new date
by a person known to you during one of the activities conducted by and time
us. If you dont want to be disturbed, we shall not disburb you again 2. Call ends
. 3. Call ends
3. My apologies for this unsolicited call. We shall make sure we 4. Continue the call
dont bother you again. 5. Continue the call
4. If you can give me a few minutes of your precious time, I shall
explain in detail.

1. Thank you for letting me know that you are not looking for
additional funds now. However, may I ask you a question before I
end the call? 1. Take the call forward
2. Sir/Madam, we provide all forms of loans starting from instant 2. Take the call forward
gold loans, Instant personal loans, Loan against property, business 3. Take the call forward
loans and home loans. Our gold loans are the quickest followed by
instant personal loans.
Thank you for sharing that you don't have a gold loan, at present.
Take the call forward
Can I ask you a quick question?

Thank you Sir/madam for your response. Before I end the call, can Take reference and end the
you refer your friend/ relative who could be looking for funds ? call

Thank you Sir/madam for your response. When you are in need of
funds, please come to our branch and we will give you instant loan. Take reference and end the
Before I end the call, can you refer your friend/ relative who could call
be looking for funds ?
Sir/Madam, thank you for letting me know the value and urgency,
can I ask you a few more questions to give you the right Take the call forward
suggestion?
Sir/Madam, Thank you for sharing this info. I would recommend
that you avail a gold loan since it is short term and the loan can
actually be closed in 6-8 months time. Every month or quarter you
Take the call forward
can pay a part amount and take back some jewellery and over 6-8
months your loan will get closed. Muthoot does not charge any
pre-closure charges
Sir/Madam, Thank you for sharing this info. I would recommend
the following
1. Since your need is urgent, you can avail a gold loan which can
be disbursed immediately and you can use the funds for your
business.
2. Parallely, you can apply for a Business Loan/ Loan against
property with our branch and we can process your application. If
your application fits our policy, we can disburse the business loan/ Take the call forward
Loan against property. Using this money you can close the gold
loan. This will ensure that get your money immediately.
3. In case you wish to continue with the gold loan, you can do it
and whenever you have excess cashflow, you can part pay to
release your ornaments. This will help you close your gold loan in
1-2 years. There is no pressure of monthly EMI's. You just need to
service the interest every month or quarter.
 Customer Contact Step

Greeting & Introduction

Baiting ( getting customer

interested)
( For response track 1, 4 &5 )

Conversation Track 1
( Response management & taking
the conversation forward)
Conversation Track 1
( Response management & taking
the conversation forward)

Conversation Track 2
( Objectiont handling & taking the
conversation forward)
Conversation Track 2
( Objectiont handling & taking the
conversation forward)

Conversation Track 3
( Objection handlingt & taking the
conversation forward)
 Surgical Strike Data [
Script

Good morning/AN/Eve, Sir/Madam, I am Ms xxxxxxxxx calling from ABC branch of Muthoot Finance. I called you to d
something which would be of help to you. Is this a good time to talk?

Sir/Madam, Thank you for your precious time and I will just take 2 minutes to give you a solution to close your existi
loan in a matter of 6-8 months time and redeem your precious jewellery. Can I go ahead an explain as to why you sh
move your existing gold loan from your present lender to Muthoot?

Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their l
and take their precious jewels home. My suggestion to you is
a) First let us shift your loan from your present lender to Muthoot. We will help you with the funds for takeover. It is
process.
b) On your loan that is shifted to Muthoot, we will offer you an attractive rate of interest [ communicate the applicabl
rate]
c) Whenever you get some money, release some jewels in parts so that your precious jewels can be used by your fami
also you pay interest on the remaining part of loan. Muthoot does not charge any charges for part payment/pre-payme
d) In 6-8 months, all your Jewels will be back home.
e) Sir you can also get some extra amount as Insta PL when-ever you need money. This is based on your CIBIL score
many customers like you shift their loans to Muthoot so that they can close their loan faster. Let me also assure you o
the other benefits of shifting your loan to Muthoot
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.
Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their l
and take their precious jewels home. My suggestion to you is
a) First let us shift your loan from your present lender to Muthoot. We will help you with the funds for takeover. It is
process.
b) On your loan that is shifted to Muthoot, we will offer you an attractive rate of interest [ communicate the applicabl
rate]
c) Whenever you get some money, release some jewels in parts so that your precious jewels can be used by your fami
also you pay interest on the remaining part of loan. Muthoot does not charge any charges for part payment/pre-payme
d) In 6-8 months, all your Jewels will be back home.
e) Sir you can also get some extra amount as Insta PL when-ever you need money. This is based on your CIBIL score
many customers like you shift their loans to Muthoot so that they can close their loan faster. Let me also assure you o
the other benefits of shifting your loan to Muthoot
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their l
and take their precious jewels home. My recommendation to you is
a) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers w
come to us from Banks have experienced this. Banks do not allow customer to part pay and release their ornaments. I
have some excess cash in a month or quarter, you cannot make good use of it to reduce your loan limit and get some o
back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This i
reason why many customers dont prefer banks/ other lenders
b) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. Yo
have to pay any extra fee or charges.
c) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can
Minimum Due amount and save their gold from auctions.
d) You will get an interest rates similar to banks or better then your present NBFC lender if you shift your loan.
There are many more advantages of shifting your loan to Muthoot Sir/Madam. Let me share some of the other benefit
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/madam, can we agree on a date to shift your loan to Muthoot?

Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their l
and take their precious jewels home. My recommendation to you is
a) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers w
come to us from Banks have experienced this. Banks do not allow customer to part pay and release their ornaments. I
have some excess cash in a month or quarter, you cannot make good use of it to reduce your loan limit and get some o
back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This i
reason why many customers dont prefer banks/ other lenders
b) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. Yo
have to pay any extra fee or charges.
c) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can
Minimum Due amount and save their gold from auctions.
d) You will get an interest rates similar to banks or better then your present NBFC lender if you shift your loan.
There are many more advantages of shifting your loan to Muthoot Sir/Madam. Let me share some of the other benefit
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/madam, can we agree on a date to shift your loan to Muthoot?

Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their l
and take their precious jewels home. Banks may be giving you a lower rate of interest but let me share some informat
could be of great help to you
a) We shall also offer you a very attractive interest rate [ mention 9.9% rate of interest ]. We do not have other hidden
like banks charge.
b) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers
come to us from Banks have experienced this. Banks do not allow customer to part pay and release their ornaments. I
have some excess cash in a month or quarter, you cannot make good use of it to reduce your loan limit and get some o
back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This i
reason why many customers dont prefer banks/ other lenders
c) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. Yo
have to pay any extra fee or charges.
d) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can
Minimum Due amount and save their gold from auctions.

There are many more advantages of shifting your loan to Muthoot Sir/Madam. Let me share some of the other benefit
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/madam, can we agree on a date to shift your loan to Muthoot?

Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their l
and take their precious jewels home. Banks may be giving you a lower rate of interest but let me share some informat
could be of great help to you
a) We shall also offer you a very attractive interest rate [ mention 9.9% rate of interest ]. We do not have other hidden
like banks charge.
b) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers
come to us from Banks have experienced this. Banks do not allow customer to part pay and release their ornaments. I
have some excess cash in a month or quarter, you cannot make good use of it to reduce your loan limit and get some o
back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This i
reason why many customers dont prefer banks/ other lenders
c) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. Yo
have to pay any extra fee or charges.
d) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can
Minimum Due amount and save their gold from auctions.

There are many more advantages of shifting your loan to Muthoot Sir/Madam. Let me share some of the other benefit
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/madam, can we agree on a date to shift your loan to Muthoot?

[ Open Market Data]
Potential Customer response/ Objections

1. I am Busy
2. How did you get my number?
3. Don’t dare to call me again.
4. What is it regarding?
5. Yes, pls tell me

1. Yes
2. No, I am not looking at shifting my gold
loan from my bank now.
3. I am enjoying a lower interest rate from
banks

Ok
Let me think and I shall come back to you,
if I am interested to transfer the loan to
Muthoot

Ok
Let me think and I shall come back to you,
if I am interested to transfer the loan to
Muthoot

Ok
Let me think and I shall come back to you,
if I am interested to transfer the loan to
Muthoot
 Suggested Response to handle objections Call Flow

1. I would be happy to call you back again sir. Would today

afternoon or tomorrow morning be convenient for a call back?
2. My apologies for this unsolicited call. You have been referred 1. Call back for a new date
by a person known to you during one of the activities conducted by and time
us. If you dont want to be disturbed, we shall not disburb you again 2. Call ends
. 3. Call ends
3. My apologies for this unsolicited call. We shall make sure we 4. Continue the call
dont bother you again. 5. Continue the call
4. If you can give me a few minutes of your precious time, I shall
explain in detail.

1. Thank you Sir

2. Sir/Madam, I appreciate your decision to continue your gold
loan with your present lender but I would request you to hear my
suggestion which will be of great benefit to you and it will not take 1. Take the call forward
more than a minute. 2. Take the call forward
3. Sir/Madam, I agree with you that banks offer a lower interest 3. Take the call forward
rate but what I am about to suggest will help you save your
precious hard earned money. Request you to hear me out for a
minute

Thank you Sir/Madam. Please let me know your preferred date of

shifting the gold loan. Also can you give me few references of your Fix a time for takeover, take
friends/ relatives who have gold loans with other lenders and they reference and end the call
can also be benefitted like you?
Sir/Madam, Please take your time but then let me share with you
that the per gram rate today is good for completing the takeover
Thank customer for their time
and also the interest rate is valid for limited period only. If you
and end the call.
have any other apprehensions, please let me know so that I can
clarify.

Thank you Sir/Madam. Please let me know your preferred date of

shifting the gold loan. Also can you give me few references of your Take reference and end the
friends/ relatives who have gold loans with other lenders and they call
can also be benefitted like you?
Sir/Madam, Please take your time but then let me share with you
that the per gram rate today is good for completing the takeover
Thank customer for their time
and also the interest rate is valid for limited period only. If you
and end the call.
have any other apprehensions, please let me know so that I can
clarify.

Thank you Sir/Madam. Please let me know your preferred date of

shifting the gold loan. Also can you give me few references of your Take reference and end the
friends/ relatives who have gold loans with other lenders and they call
can also be benefitted like you?
Sir/Madam, Please take your time but then let me share with you
that the per gram rate today is good for completing the takeover
Thank customer for their time
and also the interest rate is valid for limited period only. If you
and end the call.
have any other apprehensions, please let me know so that I can
clarify.
 Customer Contact Step

Greeting & Introduction

Baiting ( getting customer

interested)

Conversation Track 1
( Objection handling & taking
the conversation forward)
Conversation Track 2
( Response management &
taking the conversation
forward)
 W
Script

Good morning/AN/Eve, Sir/Madam, I am Ms xxxxxxxxx calling from ABC branch of Muthoot Finance. Since you are a privilege customer of our company , I called
you to discuss something which would be of help to you. Is this a good time to talk?

Sir/Madam, Thank you for your time. I called you just to let you know that it has been a long time since you have visited our branch. Hope you are doing good? I
thought it is important to share a quick update on a few new customer first initiatives our company has taken to help customers.
1) We have launched Insta Personal Loans for our gold loan customers who need additional money at interest rates starting from 98 paisa per month.
2) Our gold loans interest rates are now very attractive and starts at 83 paisa per month
3) we are the only company that has launched "Minimum Due payment" to save customers gold from auctions.

Are you looking for some fresh funds Sir/Madam?

Sir/Madam, Thank you for letting us know that you have a gold loan, presently, running with other lenders. Since you have experienced our service earlier,
we can help you shift the loan from your present lender to Muthoot at attractive interest rates. This will also give you an opportunity to quickly redeem your
jewels by part paying and releasing ornaments in parts when you have excess cash. When can we complete the shifting of your present loan?

1. "Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their loan faster and take their precious jewels home.
Banks may be giving you a lower rate of interest but let me share some information that could be of great help to you
a) We shall also offer you a very attractive interest rate [ mention 9.9% rate of interest ]. We do not have other hidden charges like banks charge.
b) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers who come to us from Banks have experienced
this. Banks do not allow customer to part pay and release their ornaments. If you have some excess cash in a month or quarter, you cannot make good use of it to
reduce your loan limit and get some ornaments back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This is
the reason why many customers dont prefer banks/ other lenders
c) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. You dont have to pay any extra fee or charges.
d) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can pay a Minimum Due amount and save their gold
from auctions.

There are many more advantages of shifting your loan to Muthoot Sir/Madam. Let me share some of the other benefits also
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/madam, can we agree on a date to shift your loan to Muthoot?"

Sir/Madam, Thank you for letting us know that you don’t have a gold loan with any lender. Before I end the call, may I request you to give me a few
references of your friends or relatives who are in need of money or have gold loans with other lenders? If you dont remember now, I shall share a link to you
and you can share their contacts in that link and win assured petrol voucher worth Rs 250/-

Sir/madam, Let me assure you that we have an escalation system in place and next time you have an issue, please get in touch with me and I shall resolve your issues
promptly. If you still have pending issues I shall escalate it and get it solved. Before I end the call, would like to check if you have any requirement for funds or have
gold loans running with other lenders?
Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their loan faster and take their precious jewels home.
My recommendation to you is
a) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers who come to us from Banks have experienced
this. Banks do not allow customer to part pay and release their ornaments. If you have some excess cash in a month or quarter, you cannot make good use of it to
reduce your loan limit and get some ornaments back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This is
the reason why many customers dont prefer banks/ other lenders
b) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. You dont have to pay any extra fee or charges.
c) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can pay a Minimum Due amount and save their gold
from auctions.
d) You will get an interest rates similar to banks or better then your present NBFC lender if you shift your loan.
There are many more advantages of shifting your loan to Muthoot Sir/Madam. Let me share some of the other benefits also
1. We are the most trusted financial services brand.
2. We are the only company where customers can save their gold from auction by paying a Minimum due amount.
3. You can service the interest through your UPI or through our App.
4. All out branches have 7 layers of security which no bank or NBFC has.

Sir/madam, can we agree on a date to shift your loan to Muthoot?

Sir/Madam, we are the largest and most trusted gold loan company because we always help customers to close their loan faster and take their precious jewels home.
Banks may be giving you a lower rate of interest but let me share some information that could be of great help to you
a) We shall also offer you a very attractive interest rate [ mention 9.9% rate of interest ]. We do not have other hidden charges like banks charge.
b) If you continue to keep your loan with your bank, you will not be able to close your loan quickly. Most customers who come to us from Banks have experienced
this. Banks do not allow customer to part pay and release their ornaments. If you have some excess cash in a month or quarter, you cannot make good use of it to
reduce your loan limit and get some ornaments back. Gold ornaments are meant to be used by your family members and should not be pledged for a long time. This is
the reason why many customers dont prefer banks/ other lenders
c) If you shift it to Muthoot, you can use your excess cash to release your ornaments, when ever you have money. You dont have to pay any extra fee or charges.
d) In the worst case scenario, if you are unable to pay on time, Muthoot is the only company where its customers can pay a Minimum Due amount and save their gold
from auctions.

Sir/madam, can we agree on a date to shift your loan to Muthoot?

Winback
Potential Customer response/ Objections

1.Not interested.
2. I am Busy
3.What is the call About?
4.Yes , please explain

1. No. Not looking for funds.

2. Unhappy with Service.
3.Yes, I am looking for funds

1. My loan is with a bank and they offer a lower interest

rate

2. Let me think over it and shall come back to you

3. Ok, I am keen to shift the loan

1. Let me think over it and shall come back to you

2. Ok, I am keen to shift the loan

1. No I am not looking for funds and do not have any

loans with other lenders
2. No I am not looking for funds but I have a gold loan
with another lender
3. Yes I Need funds
1. My loan is with a bank and they offer a lower interest
rate

2. Let me think over it and shall come back to you

3. Ok, I am keen to shift the loan

1. Let me think over it and shall come back to you

2. Ok, I am keen to shift the loan
 Suggested Response to handle objections Call Flow
1.Sir/Madam, It has been a long time since you have visited us and that is why I called you today.
Next time when you are in need of money, please do visit our branch or you may avail our new
service where we can come to your home and complete the gold loan formality. Before I end the
call, could you please give me references of your friends/family members who may need money 1.Take the customer referals.
now? If you dont remember now, I shall share a link to you and you can share their contacts in that 2.collect the call back schedul.
link and win assured petrol voucher worth Rs 250/- 3.Continue the call
2.Sir, Can you please share your convenient time for a call Back? 4.Continue the call
3.If you can spare a moment of your valuable time ,I could share more information about something
that could be of help to you.

1.Sir/Madam, thank you for your response. May I know if you have any gold loan, presently, with
other lenders?
1.Continue the call
2. We are extremely sorry to hear your feedback about your poor experience. Could you please take
2.Continue the call
a few minutes out of your busy schedule to tell us about the bad experience you had with us so that
3.Continue the call
we can rectify the same and continue to serve you better?
3. Explain the schemes and convert the lead

1. Sir/Madam, If you can spare a few minutes, I shall explain the benefits of shifting your existing
gold loan from your bank to Muthoot.
2. Sir/Madam, Please take your time but then let me share with you that the per gram rate today is
1. Continue the call
good for completing the takeover and also the interest rate is valid for limited period only. If you
2. Thank the customer and end the call
have any other apprehensions, please let me know so that I can clarify.
3. Take references and close the call
3. Thank you Sir/Madam. Please let me know your preferred date of shifting the gold loan. Also can
you give me few references of your friends/ relatives who have gold loans with other lenders and
they can also be benefitted like you?

1. Sir/Madam, Please take your time but then let me share with you that the per gram rate today is
good for completing the takeover and also the interest rate is valid for limited period only. If you
have any other apprehensions, please let me know so that I can clarify. 1. Thank the customer and end the call
2. Thank you Sir/Madam. Please let me know your preferred date of shifting the gold loan. Also can 2. Take references and close the call
you give me few references of your friends/ relatives who have gold loans with other lenders and
they can also be benefitted like you?

1. Collect references and close the call

1.Thank you for your response Sir. Before I end the call, could you share a few references of your
friends and relatives who may need funds or have gold loan with other lenders. 1. Collect references and close the call
2. Sir/Madam, please give me a few minutes to explain you the benefits of shifting the loan from 2. Continue the call
your present lender to Muthoot 3. Convert the lead
3. Pls give the scheme details and convert the lead
1. Sir/Madam, If you can spare a few minutes, I shall explain the benefits of shifting your existing
gold loan from your bank to Muthoot.
2. Sir/Madam, Please take your time but then let me share with you that the per gram rate today is
1. Continue the call
good for completing the takeover and also the interest rate is valid for limited period only. If you
2. Thank the customer and end the call
have any other apprehensions, please let me know so that I can clarify.
3. Take references and close the call
3. Thank you Sir/Madam. Please let me know your preferred date of shifting the gold loan. Also can
you give me few references of your friends/ relatives who have gold loans with other lenders and
they can also be benefitted like you?

1.. Sir/Madam, Please take your time but then let me share with you that the per gram rate today is
good for completing the takeover and also the interest rate is valid for limited period only. If you
have any other apprehensions, please let me know so that I can clarify. 1. Thank the customer and end the call
2. Thank you Sir/Madam. Please let me know your preferred date of shifting the gold loan. Also can 2. Take references and close the call
you give me few references of your friends/ relatives who have gold loans with other lenders and
they can also be benefitted like you? "