Running live in a real gold loan firm since 2025
Run your gold loan business from your phone
GoldKhata is cloud-based gold loan (girvi) management software for small Indian pawnbroking firms. Interest is calculated the way your register already does it — yearly compounding — with pledges, pledge cards, WhatsApp receipts and statutory registers, from ₹499/month + GST with a free live demo.
Built for single-counter and small multi-branch firms — not banks or NBFCs.
or start your 30-day free trial →
- 30-day free trial
- No lock-in — Excel export anytime
- Support that takes pledges daily
812
Active loans live
2,460 g
Gold in custody
₹4.2 L
Interest this month
442
Customers on WhatsApp
Why firms switch
Built around a lender's worries
Every feature below exists because the same worry comes up at the counter.
“Register mistakes cost me money”
Interest is calculated exactly the way your register works — yearly compounding, first-month rules. No mental math at the counter.
“What if the software company disappears?”
Your records are never locked in. One tap downloads the entire business as an Excel file — customers, loans, payments — whenever you want.
“My customers forget to pay”
Automatic WhatsApp reminders from your own business number — receipts, due dates, expiry warnings. Customers reply STOP to opt out; you stay respectable.
“I have 800 running loans in my register”
We will help you add them manually — running loans keep their loan numbers, dates and interest exactly as your register says.
“Government inspection scares me”
Pledge cards, gold loan ledger, delivery register and notices print ready-made in the formats inspectors ask for.
“I'm not a computer person”
If you can use WhatsApp, you can use GoldKhata. It runs on the phone you already have — no new computer needed.
Inside the tool
A glimpse of GoldKhata at work
The dashboard
Your whole firm on one screen
Active loans, gold in the vault, this month's interest, and who is due this week — the questions you ask every morning, answered before your tea.
- Live totals, not yesterday's
- Due-this-week list with one-tap reminders
- Works on the phone in your pocket
Due this week
23
reminders queued
Today's collections
₹86,400
12 receipts
Vault
24.6 kg
by purity
WhatsApp, automatic
Your customers hear from you every week
Payment receipts the moment cash is counted. Due reminders before the date. A branded gold-rate card every Friday morning — they think of your firm when gold moves.
- From your own business number
- Receipts, reminders, rate broadcasts
- STOP and START handled automatically
₹4,500 interest on loan GL-2214. Balance up to date. — Your Firm Name
The paperwork
Papers that print themselves
The pledge card prints the moment the loan is entered — this is the actual card, shrunk. Ledger and delivery register follow in the statutory format, and every document carries your firm's own letterhead.
- Ornament table — gross, stone, net weight, purity and pure gold
- Loan amount in words, interest rate and instalment record
- Photos of the pledged ornaments printed on the card
- A/c number, date of pledge, release date, signature and paid seal
GOLD PLEDGE RECEIPT
Your firm's letterhead · licence no.
Pledged Ornaments
| Ornament | Qty | Gross g | Stone g | Net g | Purity | Pure g |
|---|---|---|---|---|---|---|
| Bangles | 2 | 25.1 | 0.6 | 24.5 | 916 | 22.44 |
| Chain | 1 | 12.3 | — | 12.3 | 916 | 11.27 |
Rupees One Lakh Twenty Thousand Only
Instalment / Interest
Released On
· Paid Seal ·
Try it now
Gold loan interest calculator
Move the sliders the way a customer talks — see the month's interest and the settlement figure instantly. This arithmetic runs behind every GoldKhata loan.
₹50,000
Interest per month
12 months
Simple interest, the way registers quote it. Inside GoldKhata this follows your method — first-month rules, compounding if you use it.
- Interest every month
- ₹750
- Interest for 12 months
- ₹9,000
- Customer settles with
- ₹59,000
GoldKhata does this for every loan — receipt, ledger and reminder included.
Notices & WhatsApp
Two pipelines, both automatic.
Legal notices travel by post with proof. Everyday updates reach the customer's WhatsApp in seconds. The system runs both — you only sign and send.
Notices go by post — automatically
The system prepares every notice on time. You just print and post it.
- The system finds overdue loansWhen a loan crosses its time, it comes up on the notice list by itself. No searching the register.
- The notice is ready to printIn Kannada and English, on your letterhead. Just print, fold and post.
- Speed Post number is savedThe post-office tracking number is saved with the loan — proof that the notice was sent.
- It tells you the next dateThe system shows when the next step, like auction, can be taken — no date is missed.
Legal notices go by post only. Sending them on WhatsApp disturbs the customer and has no value in law.
WhatsApp — from your own number
Simple updates that go out on their own.
- Receipt sent in secondsTake a payment, and the receipt reaches the customer's WhatsApp before they leave your shop — from your number, not ours.
- Payment reminders on timeCustomers are reminded before their due date. If someone types STOP, messages to them stop.
- Gold rate every FridayEvery Friday morning your customers get the day's gold rate with your firm's name on it — so they think of you first.
- Proof of every messageEvery message sent is saved, so you always know it reached.
Uses WhatsApp's official business system — your number stays completely safe.
The Register Test
Don't trust us. Test us.
Send one page of your register. If our interest doesn't match yours to the rupee — don't subscribe.
1. WhatsApp us a photo of one register page · 2. We enter those exact loans, your rates, your dates · 3. Compare our figure with your book, line by line.
Software written for banks divides by 365 days. A girvi counter has never worked that way — and no other vendor will put this promise in writing, because their software can't keep it.
Or open the live demo yourself — no signup:
demo.goldkhata.com · login demo · password demo1234
Your data is safe and secured with encryption
Connections are encrypted and records are backed up every night. And your book is always yours — one-tap Excel download of everything, any time, even after you stop paying.
No AMC. No surprise year two.
₹499–₹999 a month plus GST, printed on the page, not auto-renewing. Most vendors quote “on request” — then the maintenance bill arrives.
We are not in your trade
A software company — never a lender. Each firm's book lives in its own isolated database on its own subdomain. Your customers stay yours.
Before and after
The register day vs the GoldKhata day
With the register alone
With GoldKhata
Mental interest math at the counter — mistakes slip through
Interest computed by your register's exact method, every time
Phone-call reminders, when someone remembers
Automatic WhatsApp reminders before every due date
Handwritten pledge card — ten minutes per loan
Printed pledge card on your letterhead in about a minute
Inspection week means copying registers all night
Statutory ledger and registers print ready-made
A lost or damaged register risks the business
Cloud records plus a one-tap Excel copy in your hand
Today's position added up loan by loan
Live dashboard — active loans, vault gold, interest due
Getting started
From register to running in three steps
Message us on WhatsApp
A 15-minute walkthrough on your kind of loans — in plain language, no sales talk. Or open the live demo firm yourself from the demo page — login shown right there.
We set up at your shop
Your running loans come in from Excel with numbers and dates intact, documents get your letterhead, and your people are trained at the counter.
You run the counter
From day one: loans, receipts, reminders and reports. When you call support, you talk to people who take pledges every day.
One-time onboarding is free — migration and training included with every plan. Most firms are running within a week.
Straight answers
What owners ask us first
How much does gold loan software cost in India?
GoldKhata starts at ₹499 per month (Starter), with Pro at ₹699 and Advanced at ₹999 — pay yearly and get 2 months free. Across the Indian market, subscription products run roughly ₹3,600–₹12,000 a year for a single counter and one-time licences ₹8,000–₹35,000 plus annual maintenance, though most vendors do not publish a price at all (checked August 2026). GoldKhata's onboarding is free and there is a 30-day full-feature free trial.
What is the difference between girvi software and gold loan software?
Nothing — they are the same tool under different regional names. North India says girvi software, the South says gold loan, jewel loan or pawn broker software. GoldKhata handles the same work everywhere: pledges, interest by your register method, pledge cards, reminders and statutory records.
How much does GoldKhata cost?
Monthly plans are ₹499 (Starter), ₹699 (Pro) and ₹999 (Advanced) — pay yearly and get 2 months free. Onboarding is free: we bring in your running loans and train your people. Every firm starts with a 30-day free trial with all Advanced features.
Whose data is it? What if I stop using GoldKhata?
It is yours, always. One tap downloads your entire business — customers, loans, payments — as an Excel file. If you ever leave, your records leave with you. There is no lock-in.
I have hundreds of running loans in my register. Can they come in?
Yes. We sit with you and import running loans from Excel — loan numbers, dates, amounts and interest stay exactly as your register says. Your counter does not stop for even a day.
Will it calculate interest the way my register does?
That is the whole point. First-month minimums, simple or yearly compounding — it is set once to match your method, then every loan follows it without mistakes.
What do I need to run it?
The phone in your pocket. GoldKhata runs in the browser on any phone or computer, and needs only the same internet WhatsApp needs. No new machine, no installation.
What if the internet goes off at the counter?
GoldKhata needs only the same internet WhatsApp needs — a phone hotspot is enough to keep billing. If the line drops mid-day, your records are safe on the server, nothing is lost, and the moment you are back online you continue where you stopped. Many owners keep a second SIM as backup, same as they do for WhatsApp.
Which language does it work in?
The dashboard is in simple English; printed pledge cards, notices and customer documents carry Kannada alongside English, and WhatsApp messages to customers go out in Kannada. Kannada dashboard controls are on the roadmap for Pro and Advanced firms.
What happens if I stop paying?
The system becomes read-only — every record stays visible and the full Excel download keeps working. Your data is never held hostage. Pay again and everything resumes exactly where it stopped.
Can my staff change or delete records without me knowing?
Staff get their own logins with limited roles — the owner decides who can do what. Records carry who-did-what activity trails, sensitive actions can alert you, and the owner's Control Room (Advanced) watches every branch. Your register never had that.
Can GoldKhata's team see my loan book?
Only when you ask for support, and only as much as needed to fix your issue. Your firm's data sits in its own separate database, is never mixed with other firms, and is never sold or shared. It belongs to your firm — the privacy policy says so in writing.
Is it safe?
Connections are encrypted, records are backed up daily, and the screen auto-locks when the counter is idle. On top of that you can keep your own Excel copy — download it any time.
Pricing
Simple monthly plans
Free onboarding, 2 months free on yearly payment, and a 30-day free trial with all Advanced features. Your data stays yours — always.
From the counter
Guides for the gold loan trade
Karnataka licences, statutory registers, interest conventions and auction procedure, written down plainly — free, whether or not you ever use GoldKhata.
30 days free · no card
See it on your own numbers.
Send one page of your register on WhatsApp — we'll show you the same loans running in GoldKhata.
Interest counted the way your register does
Most loan software divides by 365 days and calls it done. A girvi counter has never worked that way — a part month is a full month, and interest compounds at the year.
GoldKhata rounds part-months and compounds yearly exactly as your register always has, so the figure on the screen is the figure you would have written by hand. That is the difference between software that merely stores gold loans and software built to run them.