Pawn broker software for Indian pawn shops and girvi counters

Built for the pawn counter, not for a bank

Most loan software is written for banks and NBFCs. A pawn broker's day looks different. A customer walks in with a chain and two rings, wants ₹40,000 in ten minutes, and comes back after 47 days with half the interest and a request to take one ring back. Next month someone else wants to add more money on the same pledge.

That is the work this software is built around. Every pawn has its own ticket, its own interest rule and its own history, and nothing depends on someone remembering what was agreed at the counter.

What you can do with it

• Make a pawn ticket in under a minute. Customer with photo and Aadhaar, items with photos, gross and net weight, purity, valuation and loan amount. Print the ticket or send it on WhatsApp.
• Let the software work out interest. Monthly, daily, weekly, 15-day slab, one month compulsory, compound after a set number of months, or your own rule. The rule is saved on the ticket, so a rate change later does not disturb old pawns.
• Handle the real-life cases. Part payment, top-up (more money on the same pledge), renewal, release of some items, full closure and unsecured loans to trusted customers.
• Know where every item is. Locker number and movement log, plus items you have re-pledged with a bank or another lender, with their own interest.
• Remind customers before it gets late. SMS and WhatsApp reminders for due interest and old pawns, so fewer tickets go past their time.
• See the whole book on your phone. Total money out, interest due, old tickets, today's collections and the day book — without calling the shop.

When a pawn goes old

Every shop has tickets that have not been touched for a year or more. The software lists them by age and amount, shows the interest due on each and keeps the full history of reminders sent. When you decide to close or auction a pawn under your state's rules, the record of what was lent, what was paid and which notices went out is already there.

Made for small shops and for branches

A single counter can run the whole thing from one Android phone. A pawn broker with three branches gets branch-wise ticket series, staff roles (who can give a loan, who can only collect), and one combined report for the owner.

Moving from a register or old software

You do not have to stop work to switch. Our team helps you bring over the running pawns from your register, Excel or old software, checks the interest on a few tickets with you, and then you continue from your next ticket number. Most shops are fully running within a week.

If you also sell jewellery, the same OneLedger account has jewellery billing and stock — one login for both.

Read more: What is girvi? Meaning and how a girvi loan works · Pawn broker software: what to check before you buy · Girvi interest schemes