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

A money lending and pawnbroker licence in Karnataka: the Acts, the March 2025 changes, fee and security slabs, documents, Seva Sindhu and renewal.

9 min read →

How to get a pawnbroker licence in Tamil Nadu

How a gold loan shop gets its pawnbroker licence in Tamil Nadu: the Tahsildar, e-Sevai, fees, renewal by 31 March, the interest ceiling and auction rules.

10 min read →

How to get a money lending licence in Kerala

A licence under the Kerala Money-Lenders Act, 1958: the ₹6,000 fee, security slabs, Form A, renewal on KITIS by 1 May, the 18% ceiling and auction rules.

9 min read →

How to get a money lending licence in Maharashtra

A money lending licence in Maharashtra under the 2014 Act: who issues it, applying on Aaple Sarkar, the ₹500 fee, renewal by 31 March, interest caps.

9 min read →

How to get a money lending registration in Gujarat

Registering under the Gujarat Money-Lenders Act, 2011: the District Registrar, the e-Cooperative portal, the ₹5,000 fee, five-year validity, interest cap.

9 min read →

How to get a pawn broker licence in Andhra Pradesh and Telangana

A pawn broker licence in Andhra Pradesh or Telangana: the RDO or Collector, MeeSeva, the ₹750–₹1,000 fee, three-year validity and the interest cap.

9 min read →

Money lending licence in Uttar Pradesh: abolished — what applies now

Uttar Pradesh repealed its Money-Lending Act in 2022 and cancelled every licence in 2023. What law governs a gold pledge in UP now and what still applies.

8 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, kept inspection-ready.

6 min read →

How a pawnbroker legally auctions pledged gold

What a licensed pawnbroker does before auctioning pledged gold: final notice, auction notice, waiting periods, the sale, surplus refund and records.

6 min read →

How gold loan interest is actually calculated

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

7 min read →

What is girvi? The gold-pledge loan, explained

Girvi means pledging gold as security for a loan. How a girvi transaction works at the counter, how it differs from pawn and jewel loans, and the licences.

5 min read →

The gold loan glossary

Plain definitions of the terms used daily in a gold loan 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 books to software, and what changed.

6 min read →

The best gold loan software in India, compared honestly

Gold loan and girvi software for small Indian firms in 2026: GoldKhata, Online Munim, SthirApp, FinAcc and others compared on price, cloud and WhatsApp.

8 min read →

GoldKhata vs FinAcc: which fits your firm?

GoldKhata and FinAcc compared 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?

GoldKhata and Online Munim compared for gold loan and pawnbroking firms: focus, pricing transparency, WhatsApp automation, languages and who each suits.

5 min read →

GoldKhata vs SthirApp

GoldKhata and SthirApp compared for Indian gold loan and girvi firms: published pricing, web app versus Android app, and which suits which counter.

4 min read →

GoldKhata alternatives

Considering GoldKhata but want the alternatives? An honest list of Indian gold loan and girvi software, what each suits, and which publish prices.

5 min read →

Girvi software vs the paper register

Should a gold loan firm move off paper? What the paper book still does well, what it quietly costs, and how to decide, written for firms on paper.

6 min read →

Gold loan software made in Karnataka, for Karnataka firms

Gold loan software built in Karnataka for Karnataka firms: Kannada pledge receipts and notices, 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 →