The member has to submit the Passbook (given to them at the time of taking loan) to the counter staff at the branches with a request to close the loan account. The staff will enquire into your account and inform you about the outstanding jewel loan amount (Principal + Interest accrued). By depositing the outstanding jewel loan amount with up to date interest, the loan account is closed. The branch head then hands over the ornaments to the customer against his/her acknowledgement.