We build gold loan software for gold loan companies, pawn brokers, co-operative societies and NBFC gold loan branches. It keeps one clear record for every pledge: who the borrower is, what ornaments were pledged, their gross weight, net weight and purity, how they were valued, how much was lent and what is due today.
Many gold loan businesses still run on an old desktop package, a paper register and a calculator at the counter. That makes it slow to calculate interest on a renewal, hard to see which loans are close to auction and difficult to know which packet sits in which locker. A purpose-built system gives each pledge a number, a trail and a status that every branch can see.
We build with your regulator's rules and your own policy in mind: valuation and loan-to-value limits you configure, clear disclosure of interest and charges, recorded auction notices and controlled access to borrower data. We are a software company. Your licences, lending policy and legal advice on auctions remain your responsibility.
Owner-run gold loan and pawn businesses with one or a few shops that want to move from registers and desktop packages to software with proper pledge records, receipts and daily cash reports.
Societies that give gold loans to members and need member records, ornament details, interest rules set by the society and branch-wise reports for the board and auditors.
NBFCs and finance companies running gold loans across many branches who need one system for pledge data, packet and locker tracking, renewals and auction records, with head-office visibility.
Lenders opening new branches who want the same products, interest rules and reports in every branch, with the owner able to see all branches in one place.
Record each ornament with item type, gross weight, net weight, purity, stone deduction and photos. Every pledge gets a loan number, a packet number and a printed pledge receipt for the borrower.
Set the daily gold rate and your loan-to-value limit by scheme. The system works out the eligible loan amount from net weight and purity and warns before an amount above your limit is sanctioned.
Support simple interest and monthly slab-based interest, with rates that change by tenure or loan amount. Interest due is calculated the same way every time, on any date, for renewals, part payments and closure.
Renew a loan after paying the interest, take part-payments against principal and release some ornaments while others stay pledged. Balances, interest and the fresh pledge record update correctly after each step.
See loans nearing the end of their term, generate overdue and auction notices from templates, and keep a dated record of each notice, the auction, the amount received and any balance returned to the borrower.
Know where every packet is: which branch, which locker or safe, who took it out and when. Release and return are recorded with the staff member's name, so missing packets can be traced quickly.
Daily cash book, new and closed loans, outstanding principal, interest collected, overdue and near-auction loans, with filters by branch, scheme and date. The owner or head office sees all branches in one dashboard.
Send interest-due and renewal reminders to borrowers on WhatsApp through the WhatsApp Business API, and share payment receipts as soon as a payment is posted. SMS reminders can be added if you prefer.
We go through each gold loan scheme: rates, slabs, tenure, loan-to-value limits, charges and the reports your owner, board or auditors expect.
We list how you record pledges, track packets and handle overdue loans and auctions, and design screens, notices and logs around your practice and your advisers' guidance.
We build in short cycles and test valuation, interest, renewal and closure calculations against your existing registers until every figure matches.
Open loans, pledge details and balances are migrated and reconciled loan by loan, and packets are matched to the physical locker before the old system is switched off.
We train counter and branch staff, go live and then support you under an annual plan, including adding schemes or branches later.
A gold loan system for a single shop takes around 2–3 months. Multi-branch gold loan software usually takes 3–5 months, and a full platform with apps and integrations 5–8 months, including testing and data migration.
₹87,500–2.15 lakh (≈ $1,400–3,200)
Pledge records, valuation, interest, renewals, receipts, packet tracking and core reports for a gold loan firm, pawn shop or society branch.
₹2.15–4.5 lakh (≈ $3,200–6,800)
Several branches on one system, maker-checker approvals, auction records, WhatsApp reminders, UPI collections and an owner dashboard.
₹4.5–11 lakh (≈ $6,800–15,800)
Borrower app, field or doorstep agent app, accounting and payment integrations, and detailed audit logging for larger lenders.
Indicative budgets based on typical projects. Your fixed-price quote depends on scope, integrations and timeline.
We build fintech and accounting software, so interest, ledgers and cash books get the care they need rather than being treated as simple form screens.
Our team is in Tiruppur, close to the gold loan and finance businesses of western Tamil Nadu, and we can visit your branch to see how the counter really works.
Source code and data belong to you, hosted on your own cloud account if you prefer, so you are never tied to one vendor for your pledge records.
You work directly with the developers, and we stay on after launch to add schemes, branches and reports as your business grows.
A gold loan system for a single shop typically costs ₹87,500–2.15 lakh. Multi-branch gold loan software with approvals, auction records, WhatsApp reminders and an owner dashboard is usually ₹2.15–4.5 lakh. A full platform with a borrower app, agent app and integrations can cost ₹4.5–10.5 lakh. Third-party charges such as WhatsApp, SMS and payment fees are billed separately by those providers.
Yes. We support simple interest and monthly slab-based interest, with rates that vary by scheme, tenure or loan amount. We test the calculations against your existing registers before go-live, so renewals, part payments and closures give the same figures you expect.
You set the daily gold rate and the loan-to-value limit for each scheme, based on the rules that apply to your business. The system calculates the eligible amount from net weight and purity and warns, or blocks the entry, if a loan above the limit is attempted. Your compliance adviser should confirm the limits you configure.
Yes. The software lists loans nearing the end of their term, generates notices from templates and keeps a dated record of each notice, the auction, the amount received and any surplus returned to the borrower. The legal process for auctions is your responsibility, so please confirm your notice wording and timelines with your legal adviser.
Yes. Each packet is linked to a pledge, a branch and a locker or safe. Every movement, such as taking a packet out for release or transferring it to another branch, is recorded with the staff member and time, so any packet can be traced from the dashboard.
Yes. Interest-due, renewal and overdue reminders and payment receipts can be sent on WhatsApp through the WhatsApp Business API. You contract with a WhatsApp provider, and message charges are billed by them. SMS reminders can be added as well.
Yes. We migrate borrowers, open loans, pledge and ornament details and balances from your current software, spreadsheets or registers. Each migrated loan is reconciled so principal and interest match your old records, and packets are matched to the locker before cut-over.
No. We are a software company. Licences, registrations and regulatory approvals are your responsibility, and so is the legal process for auctions. We build and maintain the technology and are happy to work alongside your legal and compliance advisers during design.
Origination, EMI schedules, field collections and overdue tracking for NBFCs, MFIs, societies and gold-loan lenders.
Order updates, payment reminders, catalogues and team inboxes on the official WhatsApp Business API, connected to your CRM, ERP or store.
Aadhaar eKYC via licensed partners, DigiLocker, PAN, CKYC, Video KYC, penny drop, face match and OCR in one onboarding flow.
Payment gateway and UPI integration, lending systems, wallets, eKYC and fintech MVPs built with audit-ready foundations.
We work with clients in India, United States, United Kingdom, Australia, Canada, Europe and New Zealand.
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