principal schedules. Its lending services cover both short-duration financing and multi-year agreements, with loan amounts linked to the market value of pledged collateral. Kuldlombard also runs a commission-based online shop where it sells unredeemed collateral and other pre-owned goods such as smartphones, audio equipment, tools, watches and precious metal jewelry. Customers can browse categories including electronics, tools and various types of jewelry and complete purchases through the website. The business focuses on providing access to secured credit and facilitating resale of used consumer items through its pawnshop operations and e-commerce platform.