Guides

The gold loan trade, written down

Licences, registers, interest conventions, auctions and honest software comparisons — from a family firm that has run a licensed girvi counter for 20 years.

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 a 20-year 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 we digitised our own gold loan firm

A real case study: how Cauvery Bankers, a licensed gold loan firm in Suntikoppa running since 2005, moved from paper registers to software — what broke on paper, what we built, 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 →

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, local rate conventions — from a licensed Kodagu pawnbroker.

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 →