Guides

The gold loan trade, written down

Licences, registers, interest conventions, auctions and honest software comparisons — written for the people who run a licensed girvi counter every day.

How to get a money lending licence in Karnataka

How to get a money lending / pawnbroker licence in Karnataka: which Acts apply, where to apply, documents, renewal and the registers you must keep — written by a licensed lender of 20 years.

7 min read →

The registers a Karnataka gold loan firm must keep

The registers, receipts and records the Karnataka Money Lenders Act and Pawn Brokers Act expect from a gold loan firm — ledger, pledge register, pawn tickets — and how to keep them inspection-ready.

6 min read →

How a pawnbroker legally auctions pledged gold

The step-by-step procedure a licensed pawnbroker follows before auctioning pledged gold: final notice, auction notice, waiting periods, the sale, surplus refund and the records to keep.

6 min read →

How gold loan interest is actually calculated

How Indian gold loan firms actually calculate interest: rate per ₹100 per month, part-month rounding, simple interest and yearly compounding — with worked examples from real practitioner.

7 min read →

What is girvi? The gold-pledge loan, explained

Girvi means pledging gold as security for a loan. What the word means, how a girvi transaction works at the counter, the difference from pawn and jewel loans, and the licences involved.

5 min read →

The gold loan glossary

Plain-language definitions of the terms used daily in a gold loan / pawnbroking business: pledge, pawner, LTV, hallmark, renewal, final notice, delivery register and more.

6 min read →

How a 20-year gold loan firm went digital

A real case study: how a licensed single-counter gold loan firm in Karnataka, running since 2005, moved from paper registers to software — what broke on paper, and what changed.

6 min read →

The best gold loan software in India, compared honestly

The gold loan / girvi management software options for small Indian pawnbroking firms in 2026 — GoldKhata, Online Munim, SthirApp, FinAcc and others — compared honestly on price, cloud access and WhatsApp features.

8 min read →

GoldKhata vs FinAcc: which fits your firm?

An honest comparison of GoldKhata and FinAcc for small Indian gold loan firms: pricing transparency, deployment, WhatsApp automation, registers and who each suits best.

5 min read →

GoldKhata vs Online Munim: which fits your firm?

An honest comparison of GoldKhata and Online Munim for gold loan / pawnbroking firms: focus, pricing transparency, WhatsApp automation, language support and who each suits.

5 min read →

GoldKhata vs SthirApp

An honest comparison of GoldKhata and SthirApp for Indian gold loan and girvi firms: published pricing, web app versus Android app, and which suits which kind of counter. Figures checked August 2026.

4 min read →

GoldKhata alternatives

Considering GoldKhata but want to see the alternatives? An honest list of Indian gold loan and girvi software, what each is suited to, and which publish their prices. Checked August 2026.

5 min read →

Girvi software vs the paper register

Should a gold loan firm move off paper registers? What the register genuinely does better, what it quietly costs, and how to decide — written for firms switching from paper, not from a competitor.

6 min read →

Gold loan software made in Karnataka, for Karnataka firms

Gold loan software built in Karnataka, for Karnataka firms: Kannada pledge documents and notices, Karnataka Money Lenders Act registers, and local rate conventions.

5 min read →

Gold loan interest calculator

Work out interest the register way — amount, rate per ₹100 per month, months. Free, no signup.

Open the tool →