Gold Loan and Girvi Software
Kreon Jewellery ERP's girvi software is for jewellers and licensed pawn brokers who lend against ornaments. Girvi means keeping ornaments as a pledge for a loan. The software keeps a clean record of every pledge, its interest and each payment up to release. Lending rules differ from state to state, so interest and notice settings are yours to configure.
Jeweller or pawn broker, counter staff, valuer, accounts
Web and Android
Built for the way your trade works.
Keeps a clean record of pledges, interest and releases for jewellers and licensed pawn brokers who lend against ornaments. Lending rules differ by state, so interest and notice settings are configurable.
Pledge entry with ornament photo, gross weight, net weight and purity
Loan amount limit worked out from weight, purity and day's rate
Interest by day or month, simple or compounding, per scheme
- Part payment, interest-only payment and loan renewal
- Packet and locker number for every pledged item
- Due and overdue notices by SMS, WhatsApp or printed letter
- Release receipt with customer signature and ID record
- Customer ID and address proof stored with each loan
- Loan book, interest income and overdue reports
A day's work, in order.
Record the pledge
Ornaments are photographed and weighed, purity is noted, and the customer's ID proof is stored.
Work out limit
A loan limit is worked out from weight, purity and the day's rate.
Store the packet
The pledged item is put away, and its packet and locker number are recorded.
Take payments
Interest payments, part payments and renewals are entered against the loan.
Send notices
Due and overdue notices go by SMS, WhatsApp or printed letter.
Release the ornaments
On closure a release receipt is made with the customer's signature.
6 modules, one set of books.
Each module writes to the same records, so stock, production and accounts never disagree.
Daily metal rates
Holds the day's gold and silver rates by purity (24K, 22K, 18K, silver touches) with a history of every change.
About this module Finance and complianceAccounts and ledgers
General ledger, vouchers, cost centres, trial balance, profit and loss and balance sheet.
About this module Finance and complianceReceivables and payables automation
Bill-wise outstanding with ageing, credit limits and automatic payment reminders to customers.
About this module Sales and serviceCRM
Keeps every customer's contacts, enquiries, quotations, orders, complaints and follow-ups in one record.
About this module Data, AI and integrationWhatsApp integration
Sends invoices, payment reminders, order status and reports on WhatsApp automatically through the WhatsApp Business API.
About this module Data, AI and integrationDocument AI
Reads supplier bills, purchase orders, bank statements and KYC papers from a scan or photo and fills the entry screen.
About this moduleIndustries it serves.
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ViewQuestions, answered.
Can interest be calculated the way we do it now?
Interest is set per scheme: by day or by month, simple or compounding. You configure the schemes to match your own practice and the rules that apply to you. The software then calculates each loan from those settings.
Does the software make us compliant with money lending rules?
No software can promise that. Lending against ornaments is regulated state by state, and following those rules stays with you. What the software gives you is an orderly record of pledges, customer ID, interest, notices and releases.
How do we find a customer's ornaments quickly?
Every pledged item carries a packet number and a locker number, along with its photo and weights. When the customer comes to pay or release, the loan record points you to the right packet.
Can a customer pay only interest and continue the loan?
Yes. You can record an interest-only payment, a part payment, or a renewal of the loan. Each entry updates the loan book and the overdue reports.
Does Gold Loan and Girvi Software work on mobile?
Yes. It runs on Web and Android, so people on the floor, in the field or on the road work on the phone while the office works on the full screens.
Can Gold Loan and Girvi Software be changed to fit how my business works?
Yes. Kreon builds and supports it, so screens, reports, approvals and rules are shaped to your process. Tell us what is different about the way you work and we will show you how it fits before anything is built.
See Gold Loan and Girvi Software working.
Book a demo and we will walk you through it with examples from your own trade, then tell you plainly what would need to change for your business.