Full disclosure before anything else: GoldKhata is our product, and it appears in this list. We would rather tell you that in the first sentence than pretend to be a neutral review site. What we promise instead is accuracy — no invented prices, no straw men, and a checked-on date wherever we describe a competitor.
The segment this list serves: small licensed firms — one to three counters, a few hundred to a few thousand running loans — not NBFC core-banking.
The quick comparison
| Software | Deployment | Published pricing? | WhatsApp from your number |
|---|---|---|---|
| GoldKhata | Cloud — any phone/PC | Yes — from ₹499/mo | Yes (Pro plan) |
| Online Munim | Cloud | Ask vendor | Check with vendor |
| SthirApp | Cloud | ~₹500/mo (checked July 2026) | Check with vendor |
| FinAcc | Cloud / desktop options | Ask vendor | Check with vendor |
| Jewellery-ERP loan modules | Mostly desktop | Varies widely | Rarely |
“Ask vendor” is not a criticism — it is simply what their public pages showed when we checked (July 2026). Always confirm current pricing directly; vendors change plans.
GoldKhata — built inside a running firm (ours)
Cloud girvi software built by a 20-year licensed pawnbroker in Karnataka and used daily at his own counter. Register-method interest (monthly rounding, yearly renewal), printed pledge cards and bilingual notices, statutory registers, WhatsApp receipts and Friday rate broadcasts from the firm’s own number, Excel import/export, nightly off-site backups. From ₹499/month with a live demo requiring no signup and a 30-day free trial. Best for: Karnataka / South India firms that want the register copied exactly and WhatsApp doing the follow-up work.
Online Munim — the established generalist
A long-standing Maharashtra-based vendor (omunim.com) whose product family covers gold loan / pawnbroking alongside other business software, with an established installed base. Pricing is quote-based on their site (checked July 2026). Best for: firms that want a larger, older vendor and are comfortable requesting a quote and demo.
SthirApp — the closest price twin
A cloud gold-loan/pawn product whose listed pricing (~₹500/month when we checked, July 2026) sits right next to our Starter plan — the most directly comparable offer in the segment. Evaluate both against your own register: the differentiator at this price is whose interest conventions, documents and language support match your counter. Best for: price-first buyers comparing cloud options.
FinAcc — the Karnataka incumbent
A Karnataka vendor (finaccsaas.in) with visible presence in local gold-loan software searches and an established regional customer base; pricing on request (checked July 2026). Best for: firms that want a local vendor with a track record and are happy to engage sales for a quote.
Jewellery ERPs and desktop pawn packages
Several jewellery-shop ERPs and older desktop packages offer a loan/girvi module — reasonable when the loan book is a sideline to a jewellery showroom, and the licence is one-time rather than subscription. The trade-offs are real: tied to one shop computer, backups are your problem, and WhatsApp/mobile features are rare. Best for: showrooms where jewellery retail is the main business.
How to choose — a practitioner's checklist
- Does it reproduce your register method? Ask the vendor to compute one of your real closed loans. If the rupee figure differs from your register, stop there.
- Can you leave? Demand one-tap full Excel export. Your loan book is your business; never let it become the vendor’s hostage.
- Statutory registers and documents — ledger, pledge register, delivery register, bilingual notices, licence number on everything.
- WhatsApp from your own number — receipts and reminders customers actually read, sent as your firm, not a third party.
- Try before paying. A vendor confident in the product shows it working — open our demo, and ask every other vendor for the same.
Frequently asked questions
What does gold loan software cost in India in 2026?
Cloud subscriptions in the small-firm segment start around ₹499–₹1,000 per month (GoldKhata starts at ₹499/mo; SthirApp listed ~₹500/mo when checked in July 2026), while several established vendors quote per-firm. Desktop packages sell one-time licences instead, with AMC for support.
Is free gold loan software worth using?
Generic free khata apps track balances but not pledges — no ornament records, register-method interest, pledge cards, statutory registers or auction notices. For a licensed firm the compliance gap costs more than a subscription.
Cloud or desktop for a pawnbroking firm?
Cloud wins on backup, multi-device access and WhatsApp integration; desktop wins on one-time cost and offline habit. Ask the desktop vendor two questions: what happens when this computer dies, and can my accountant see the books from home?