Edit, renew & close

Pay and Close, edit a pledge, pay advance, and close a loan from customer pledge details — step by step.

What is this page?

Most pledge changes happen from customer details, not from the Pledge Master list alone.

Flow: Parties → Customers → eye icon → open a pledge → use Pledge Actions (lightning button) or top actions like Pay and Close.

Word	Simple meaning
Pay and Close	Customer pays what is due; pledge is closed and gold can be returned
Receive Advance	Customer pays advance towards the loan on the same pledge before full disbursement
Edit Pledge	Change allowed fields while pledge is current
Transfer Pledge	Move loan to another customer or structure (shop policy)
Renew (shop talk)	Often means customer pays interest and loan stays open — usually done with Receipts, not a separate “Renew” button

Pledge Actions — dropdown (lightning icon) with Pay and close, Receive Advance, Edit Pledge, Transfer Pledge, etc.
Loan Issue Summary — amounts given, charges, interest collected at start.
Jewel lines — each ornament weight and description.
Status — current (open) vs closed — many actions only work when current.

Open the customer
Parties → Customers → Filter by mobile → eye icon.
Open the pledge
In the customer’s pledge list, click the pledge row to open pledge details.
Start Pay and Close
Pledge Actions → Pay and close (or dedicated Pay and Close flow on your screen).
Review amounts
Check principal, interest, charges, and total shown. Confirm with the customer before continuing.
Enter payment split
Enter how customer pays — cash, UPI, bank, etc. (denomination screen may open for cash counting).
Confirm close
Complete the wizard. Wait for success message. Status should become closed when fully settled.
Hand over gold
Only release ornaments from vault after close succeeds and your shop policy is met.

Record payment
Accounting → Receipts → New Receipt → link to customer and pledge → save (Receipts guide).
Confirm balance
Open pledge details again — outstanding should reduce.
New term (if your shop issues fresh pledge)
Some shops close old pledge and Add Pledge again — follow owner’s rule.

Open pledge details
From customer → select current pledge.
Pledge Actions → Edit Pledge
Only available when status is current.
Change allowed fields
Update jewel lines, notes, or other editable fields (locked fields cannot change).
Save
Wait for success. Use Activity Logs if you need who changed what later.

Open current pledge
Customer → pledge details.
Pledge Actions → Receive Advance
Disabled if advance already equals loan rules — read message on button.
Enter amount and save
Follow screens for denomination/payment mode.

Action	When to use
Transfer Pledge	Move pledge per internal process
Cancel Pledge	Mistake on new pledge — only while current; policy applies
Open Repledge / Close Repledge	Shops using repledge (RP) workflow — gold type rules apply

Tip	Why
Read totals aloud to customer	Avoid disputes at counter
Do not close with balance due	System may block or books will be wrong
Use Receipts for partial pay without closing	Keeps pledge current

Problem	What to do
Pay and close greyed out	Pledge not current, or repledge (RP) blocking — read tooltip
Cannot edit	Status not current or no permission
Closed by mistake	Ask admin about Revert To Current (only in allowed financial year)
Balance wrong after pay	Check if payment linked to correct pledge line