About Ganpatraj Gold
Ganpatraj Gold Private Limited (formerly Raj Jeweller’s S.K. Group) has quickly carved a niche for itself in Delhi NCR’s bustling jewellery market since its incorporation on July 15, 2022.
Specializing in the purchase of pre-owned gold and silver jewellery and the supply of refined materials to manufacturers, Ganpatraj Gold serves as a trusted bridge in the jewellery value chain—where trust, transparency, and turnaround speed define every transaction.
Built on legacy expertise and an unwavering commitment to integrity, the company’s mission is clear: to transform idle assets into economic value while supporting the ecosystem of jewellers and refiners that power India’s precious metal trade.
Our Strategic Approach
When Ganpatraj Gold sought to optimize its working capital and reduce borrowing costs, BankKeeping stepped in with a clear goal—unlock efficiency without expanding exposure.
Our Product, using an AI based algorithm, conducted a meticulous review of the company’s overdraft facility, tracking drawdowns, applied interest rates, and fee structures. Each component was mapped against real-time usage data and collateral valuation.
During this audit, the product identified untapped leverage potential within the company’s existing property collateral. Using this insight, a data-backed proposal was presented to the bank—clearly demonstrating how rate optimization could save costs while maintaining security levels.
Armed with precise calculations and benchmark comparisons – compiled by the Product, BankKeeping’s team negotiated directly with the lender’s credit desk. The outcome?
A reduction in interest rate secured without additional collateral and with the same Bank — (a rare win in the SME segment but a regular affair for Bankkeeping’s clients) that combined financial discipline with strategic foresight.
Results Delivered
As the saying goes, “A penny saved is a penny earned—but a lakhs saved is a strategy perfected.”
BankKeeping’s intervention translated directly into annual savings of ₹8.4 lakhs—while maintaining Ganpatraj Gold’s ₹6 crore overdraft facility intact. The restructured rate not only reduced cost of funds but also unlocked smoother liquidity, enabling the company to expand its inventory cycles with confidence. Remember money saved in interest costs – directly add to the bottomline.
The exercise became more than just a rate correction—it set a benchmark for smarter banking negotiations and demonstrated how precision analytics can turn a simple overdraft into a strategic financial tool.
Today, Ganpatraj Gold operates with renewed agility and measurable cost efficiency—proof that even subtle adjustments in credit terms can deliver compounding benefits over time.
How Bankkeeping optimizes your banking cost
With reduced borrowing costs and enhanced credit flexibility, Ganpatraj Gold now accelerates its procurement cycles, strengthens manufacturer partnerships, and expands its market presence—all while maintaining robust financial control.
At BankKeeping, we believe financial optimization isn’t luck—it’s method.From recovering hidden overcharges to renegotiating smarter credit terms, we help businesses like Ganpatraj Gold achieve measurable, recurring savings.
→ Optimize your credit facilities today — Talk to BankKeeping.
