All features
Everything the shop runs on, in one login
The six modules on the home page are the ones shops ask about first. This page is the rest of the book — pledges, KYC, accounts, recovery, staff and setup.
Lending
Pledge & lending
The counter work: take a pledge, collect, renew, close — without a paper ticket book.
Pledge master
Filters, charts and exports across Active and Closed tickets.
New pledge
Ornament lines with weight, grade and loan amount in one save.
Interest slabs
Rates by jewel type, amount band and tenure — not from memory.
Advances
Extra disbursement on an open pledge, posted to the ledger.
Partial repayment
Principal down, the pledge stays open, the balance stays current.
Renewals
Roll tenure without writing a new paper ticket.
Pay and close
Cash, UPI or bank, with denominations counted at the counter.
Cart sessions
Close several pledges for one customer in a single sitting.
Repledge
Roll exposure onto a fresh ticket when the customer asks.
Transfer
Move a pledge between parties without losing history.
Cancel and revert
Undo a ticket without breaking the books of accounts.
Voice-assisted entry
Speak the pledge at the counter instead of typing every line.
Trust
Customers & KYC
Capture the borrower once. The next pledge starts already verified.
Borrower records
Name, relation, phone and area on a searchable customer file.
Aadhaar and PAN
Captured once and attached to every later pledge.
ID photographs
Proofs and ornament photos live on the borrower record.
Parties book
Vendors, employees, owners and shareholders in one address book.
Customer history
Every pledge and receipt for that person on one screen.
Money
Accounting & cash
The loan book and the books of accounts are the same thing. No month-end catch-up.
Chart of accounts
Set once for the company. Every branch posts into it.
Double-entry journals
Written the moment a voucher is saved — not at day close.
Daily register
Day close without a paper cash book.
Cash and bank registers
Denominations counted at the counter, UPI and bank beside them.
Expenses, payments, receipts
Against any party, already in the ledger.
Opening balance
Per branch, before you go live.
Year-end closing
Snapshots you can reopen without a second software.
Balance sheet
Whenever you ask for it, from the same vouchers.
Profit and loss
Interest income and expenses from the loan book itself.
Outreach
Recovery & campaigns
Remind, notice, auction — without leaving the same login or typing letters by hand.
Auction management
Overdue lots through schedule, sale and close.
Auction notices
Demand letters generated from your own templates.
WhatsApp campaigns
Broadcast to borrowers by branch from the same login.
Due reminders
Sent before interest arguments start at the counter.
Festival offers
Offers go out without the staff sitting on the phone.
Template editor
PDF letters and statements that match your letterhead.
Control
Team & access
Two branches or twenty. Everyone sees only their own work.
Staff sentiment
Counter tone coached in the moment — calm, rushed or tense.
Users and roles
Assigned at company and branch. The menu itself is filtered.
Branch tenancy
Each outlet sees only its own pledges, cash and vouchers.
Filtered menus
Counter, cashier, accountant, manager, owner — nothing extra.
Activity logs
Who did what, on which pledge.
OTP login
Access scoped to your company, passwords hashed.
Setup
Reports & masters
The rules the counter cannot invent, and the reports the owner actually asks for.
ROI analytics
Branch performance on one board — not an Excel afterthought.
Business reports
Lists and statements with Excel and PDF export.
Gram price
Valuation the counter cannot type from memory.
Pay-and-close policy
Applied the same way every time, on every ticket.
Voucher prefixes
Ticket numbers that match the books you already keep.
Area master
Localities the shop actually serves.
Company and branches
Masters, users and subscription in one place.