Create a pledge

What is this page?

A pledge is the loan ticket when a customer hands over gold ornaments and receives money from your shop.

Important: In SmartBookz GoldLoan, you usually do not create a pledge from the Pledge Master list alone. You open the customer, then click Add Pledge. This guide follows the real screen flow.

Why this matters

• The pledge stores customer name, ornament details, loan amount, interest, and pledge number.
• Later, when the customer pays back, you link receipts to this pledge.
• Wrong weight or amount is hard to fix later — go slowly on the form.

Before you start (checklist)

• The customer already exists (or you will create them first — see Customers).
• Gram price for today is set (admin: Gram Price Master).
• Interest slab is set (admin: Interest Slab Config).
• You are on the correct branch in the top app bar.
• You have permission to add pledges (if you do not see Add Pledge, ask admin).

What you see on the Pledge Master page

Pledge Master (/parties/pledges) is mainly a list of all pledges. At the top you may see:

• Title: Pledge Master
• Buttons: Manage Columns, Filters, export (Excel/PDF)
• A table with columns like Pledge Number, Pledge Date, Customer Name, Loan Amount, Status
• An overview section below with charts (not affected by some filters)

Use this page to search old pledges. To create a new one, follow the steps below.

What you will see on the screen

• Manage Columns — choose which columns to show in the table.
• Filters — narrow list by date, status (current/closed), jewel type, loan amount, etc.
• Table row — click a row to open customer/pledge details (depending on your setup).

Step-by-step: create a new pledge

1. Open Customers

   On the left sidebar, click Parties to expand it (if needed), then click Customers.

   You should see the customer list and a red button New Customer on the top right (if you are allowed to add customers).

2. Find the customer

   Option A — customer already exists:
   Use the list or Filter to find them. Click the eye icon or their row to open customer details.

   Option B — new customer:
   Click New Customer, fill name, mobile, address, etc., click Save. Then open that customer’s details.

3. Click Add Pledge

   Inside customer details, at the top right, click the red button Add Pledge.

   The screen switches to the Add Pledge form for this customer only. You should see the customer name on the form.

4. Fill pledge basic details

   Fill each field carefully (names may vary slightly):

   • Pledge number / prefix — often auto-filled from Voucher Prefix Master; change only if your shop rules allow.
   • Pledge date — usually today.
   • Jewel type — Gold, Silver, or Brass.
   • Financial year — pick the correct year if shown.

5. Add each ornament (jewel line)

   For every ornament the customer pledges:

   1. Click add row / plus for a new jewel line (if multiple items).
   2. Enter description (example: “22K gold chain”).
   3. Enter quantity, gross weight, net weight.
   4. Choose grade if your shop uses grades.
   5. Check price per gram and loan amount — the system may calculate from gram price.

6. Check interest and charges

   • Interest % and document charges may come from Interest Slab Config.
   • If checkboxes like custom interest exist, use them only when your shop policy allows.

7. Optional: Voice Add Pledge

   If you see Voice Add Pledge, you can speak details instead of typing. Still read the form before saving — voice can mis-hear numbers.

8. Save the pledge

   Click Add Pledge (save button at the bottom of the form).

   • Wait for the loading to finish.
   • You should see a success message.
   • A denomination / payment drawer may open if your shop pays cash by note breakdown — fill it if it appears.

9. Print or hand over

   If your branch prints a pledge receipt/challan, print it now and give a copy to the customer. Put ornaments in the vault with the pledge number label.

Add Pledge form on customer detailsPlace screenshot at public/docs/screenshots/pledge-master/create.png

What happens after you save?

• The pledge appears in Pledge Master list for your branch.
• It appears under this customer’s pledge history.
• Accounting entries are created according to your shop setup.
• Amount need to receive on the list may show how much cash the customer should still get if advance was recorded.

Tips for counter staff

• Create the customer once; reuse the same record for every future loan.
• Never create two customers with the same mobile number.
• If Pledge limit reached message appears, contact admin to upgrade plan or addons.

If something goes wrong

Related guides

• Customers
• Pledge Master list
• Receipts — when customer pays back
• Edit, renew & close