Girvi software
Girvi software that counts the way you count
Most loan software was written for banks and adapted afterwards. A girvi counter does not work like a bank: a part month is a full month, interest compounds at the year, and the customer is standing in front of you expecting the same figure the register would have given. GoldKhata starts from the register and works outwards.
Content checked 11 August 2026.
Interest that agrees with your register
A part month is a full month
A part month counts as a full month, the way the counter has always counted it. Software that divides by 365 will disagree with your book, and your book is what the customer was told.
Yearly compounding
Interest rolls into principal at the year, on the schedule your firm actually uses — not a generic amortisation formula.
First-month rules, your way
Firms differ on how the opening month is charged. Yours is configured once and then applied to every loan without anyone thinking about it.
Quote any loan on any date
A year-wise, paper-style breakdown the customer can follow while standing at the counter — which is what ends arguments.
The transactions a girvi counter actually does
Renewals and top-ups
Extend or increase against the same pledge without restarting the loan history.
Part payments
Take what the customer can pay today; the balance and interest recalculate immediately.
Part-release of ornaments
Give back two bangles out of five against a proportionate payment, with the remaining pledge re-valued and re-carded.
Closure with discount
Round the last rupees off when you decide to, with the write-off recorded rather than quietly lost.
The customer keeps their own record
Printed pledge card at the counter
On your letterhead, in about a minute, with Kannada terms where the customer reads them.
WhatsApp receipt the moment cash is counted
From your own business number. Their phone holds the history, so nobody comes back next year disputing what was paid.
Due reminders before the date
Sent automatically, respectfully, with STOP honoured instantly.
Collect by cash, UPI or both
A UPI QR for the exact amount means no wrong-amount transfers, and a split payment is one entry, not two.
One loan, worked to the rupee
Say a customer pledges bangles on 10 January and takes ₹30,000 at ₹2 per ₹100 per month (2% monthly). She returns to close on 25 April. The calendar says three months and fifteen days; the register says four months, because a part month has always counted as a full month at the counter. So the settlement is:
| Principal | ₹30,000 |
| Interest — ₹30,000 × 2% × 4 months | ₹2,400 |
| To settle on 25 April | ₹32,400 |
Generic loan software divides by 365 days and quotes ₹31,742 — and now the counter and the customer are arguing over which number is right. If the same loan instead runs past a year, GoldKhata rolls the year's interest into the base on the anniversary — yearly compounding, anchored to the pledge date — so year two is charged on ₹37,200, exactly as the register would have it. Every quote shows this year-by-year breakdown on screen, which is what ends the argument before it starts: the customer can follow the same three lines you can.
Try your own figures in the free interest calculator — it runs the identical arithmetic this page describes.
Questions firms ask
Will the interest match what my register says?
That is the whole design goal. Your rate, your rounding, your compounding schedule and your first-month rule are configured to match the register, and the figure on screen should equal the figure you would have written by hand. Send us one page of your register and we will show you the same loans calculated in GoldKhata before you decide anything.
Is girvi software different from gold loan software?
No — they are the same tool under different regional names, and knowing this saves you from comparing the same products twice. Girvi is what the trade says across North and Central India; the South more often says gold loan or jewel loan; the licence on the wall usually says pawn broker, because most state Acts use that term. Whatever the sign says, the daily work is identical: pledges against gold, interest counted the register way with a part month as a full month, pledge cards, renewals, part-payments, and the statutory registers an inspector asks for. GoldKhata is one product covering all of these names — priced at ₹499–₹999 per month + GST, with a live demo open to anyone. If a vendor sells you 'girvi software' and 'gold loan software' as separate products, ask what actually differs.
Can I take a part payment and release only some ornaments?
Yes — and this is a daily transaction at a girvi counter, so it works as a first-class flow rather than a workaround. Say a customer pledged five bangles and wants two back: you take a proportionate payment, the software re-values the remaining three ornaments at their recorded weights, the loan continues on the reduced balance, and a fresh pledge card prints for what stays in custody. Part payments work the same way — take what the customer can pay today, and the balance and interest recalculate immediately, visible on screen before you commit. Renewals and top-ups keep the original loan history intact instead of restarting it, so the customer's record shows one continuous relationship. Every one of these movements lands in the statutory registers automatically, which is what keeps the book clean when an inspector visits.
What happens to my running loans when I switch?
They come across from Excel or your register keeping their original loan numbers, dates and interest terms, so nothing restarts and no customer sees a different balance. We do the migration for you at no charge.
See it on your own loans first
Send one page of your register on WhatsApp and we will show you those exact loans running in GoldKhata, interest and all. Thirty days free after that, no card.