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Gold loan management software for jewellers and small lenders
Track every gold and silver loan from valuation to closure — loan-to-value, interest, part payments, renewals and your full gold loan portfolio in one place.
From one loan to the whole book
A gold loan business looks simple from outside: weigh the gold, give the money, collect interest. The trouble starts at 300 open loans. Which ones are past six months? How much interest is pending in total? What happens to your margin if the gold rate drops 8% next week?
This software keeps each loan clean and gives you the full picture of all of them together.
Each loan, done properly
- Valuation. Gross weight, stone deduction, net weight and purity for every item, with photos. The value comes from the rate you set for the day.
- Loan amount. The software shows the loan-to-value (LTV) for the amount you give, so staff do not lend more than you allow.
- Interest rule. Monthly, daily, 15-day slab, minimum months or compound after N months. The rule stays with the loan.
- Ticket. Print or WhatsApp the receipt with items, weight, amount and terms.
- Payments. Part payment, interest-only payment, top-up, renewal and part release are all single steps, and every one is logged.
Gold loan portfolio management
The portfolio view is where the owner saves the most time:
| What you see | Why it matters |
|---|---|
| Total amount lent vs. gold held (by weight and value) | Your real exposure if the rate falls |
| Loans by age: under 3 months, 3–6, 6–12, over a year | Where to send reminders first |
| Interest due today and this month | Cash you can expect |
| LTV per loan at today's rate | Loans that have become risky after a price drop |
| Branch and staff wise totals | Who is lending how much |
Change the day's gold rate and the LTV column updates, so you can call the right customers before a small problem becomes a big one.
Reminders that actually go out
Due-date and overdue reminders go by SMS or WhatsApp with the amount due. Shops that switch from phone calls to scheduled reminders usually see old interest come in faster, simply because no customer is forgotten.
Ready for checks
Day book, cash and bank ledger, interest collected, loans given and closed, and locker records can all be exported to PDF or Excel for your CA or for any inspection under your state's money-lending rules.
Try the free gold loan calculator to see the loan on a piece of gold, or read how to manage a gold loan portfolio.
Everything your girvi counter needs
Interest automation
Accurate monthly / daily interest — simple or compound — with dues, part payments and automatic reminders.
Pledge & locker tracking
Track every pledged article, locker number and movement log. Reconcile in seconds.
GST receipts & day book
Print clean girvi receipts and GST invoices, with day book, settlements and closures.
SMS & WhatsApp reminders
Send due-date and interest reminders to customers — reduce outstanding girvi payments.
Audit-ready reports
Export PDF / Excel reports for loans, interest, lockers and collections with date filters.
Mobile-first & multi-branch
Owner dashboard on Android and web, branch-wise roles and consolidated reports.
Pricing
Free trial
- 1 month free trial
- All features unlocked
- Android & web app
- Data import help
Girvi plan
- 12 Months Plan + 3 Months Extra = Total 15 Months
- All girvi features
- Unlimited customers & bills
- Android & web app
- Phone & WhatsApp support
- Free data import
Girvi + Jewellery plan
- 12 Months Plan + 3 Months Extra = Total 15 Months
- Girvi + Jewellery in one login
- Everything in both plans
- Multi-branch ready
- Priority support
Prices in Indian Rupees. Need many branches or a custom setup? Talk to us.
Frequently asked questions
Can it work out the loan amount from the gold weight?
Do I see my total gold loan portfolio?
Is it only for gold?
Is this meant for banks or NBFCs?
How much does it cost?
Try the Girvi app free for 30 days
Secure & simple girvi management for jewellers and pawn brokers — interest automation, pledge/locker control, GST receipts & audit-ready reports.
- No credit card required
- Switch anytime • import help included
- Android & web access • owner dashboard