Features
Everything a gold loan firm needs
No modules to assemble and no per-feature charges inside a plan — every feature below is in daily use at working gold loan counters.
Daily counter work
New loan in under a minute
Customer, ornaments, weight, eligibility — pledge card prints immediately.
Interest your register's way
Simple monthly with yearly compounding, month rounding, first-month rules — matches the paper register to the rupee.
Collect and close
Interest collection, part payments, top-ups, closures with receipts — cash or UPI.
Interest calculator
Quote any loan on any date in seconds, with a year-wise paper-style breakdown.
Papers and compliance
Pledge card and agreement
Print-ready, bilingual where the law expects it.
Gold loan ledger
The statutory single-line register, A4 landscape, release entries marked in red.
Delivery register
Government release records with continuous numbering and printable receipts.
Notices
Final and auction notices generated on schedule, ready to post.
Auction notices on schedule
Final and auction notices generate on time, ready to print on your letterhead.
Customers on WhatsApp
Receipts and reminders
Payment confirmations, due reminders and expiry warnings from your own WhatsApp business number.
Weekly gold-rate broadcast
A branded rate card goes to every customer on Friday morning — they think of you when gold moves.
Two-way inbox
Customer replies, photos and documents land in your dashboard inbox.
Respectful by default
STOP opts a customer out instantly; START brings them back.
Jewellery counter (Advanced plan)
GST retail billing
Sell jewellery with GST-compliant invoices carrying HUID hallmark details — same customer book as the loan side.
Inventory with tags
Every piece tracked by tag with gross, stone and net weight; stock value follows the day's rate.
Old-gold exchange
Take old gold against a purchase with the exchange valued and recorded on the same bill.
Gram-accumulation schemes
Monthly saving schemes with instalment tracking and maturity alerts.
Live UPI QR on the bill
The exact payable amount in the QR — no wrong-amount transfers at the counter.
Owner's controls and branches
Multi-branch (Advanced)
Each branch keeps its own counter and registers; the owner sees all of them in one place.
Owner's Control Room
Risk radar, stuck interest and sleeping-loan reports across every branch — the questions an owner actually asks.
Who-did-what trails
Sensitive actions carry the staff member's name and time; deletions can be disabled entirely.
Cash book and day close
Drawer tally at day end, with cash and UPI reconciled against entries.
Your data, your control
Excel import
Bring your running loans and customers in from your register — loan numbers and dates preserved.
One-click full backup
Download the entire business as one Excel file, any time, even after your plan lapses.
Staff accounts
Cashier, manager and admin roles — staff see what they need, you see everything.
Privacy lock
Amounts hide behind a PIN when a customer is looking over the counter.
Do you sell jewellery as well as lend on it?
The Advanced plan adds a full retail counter — GST bills with CGST/SGST and HSN codes, barcode inventory, old-gold exchange and gram schemes — sharing the same customer list and the same day-close as your gold loans.
See the jewellery billing featuresSee it on your own numbers
Send us one page of your register on WhatsApp — we'll show you the same loans running in GoldKhata.
WhatsApp us a register page