If you are weighing GoldKhata against the rest of the market, here is the field as we found it on 8 August 2026 — including the products that beat us on price and the situations where we are the wrong choice. A comparison that only flatters the author is not worth reading.
The alternatives worth knowing about
| Product | Best suited to | Published price? |
|---|---|---|
| SthirApp | Android-first single-counter firms wanting the lowest yearly cost | Yes — ₹3,600/year |
| PawnR (Meenakshi Solutions) | Tamil Nadu firms preferring an annual licence | Yes — from ₹8,000/year |
| FinAcc | Established firms wanting a long-standing South India vendor | No — quote on request |
| Online Munim | Jewellers wanting a broad ERP with a loan module | No — quote on request |
| Gehna ERP | Jewellery retailers where girvi is a side of a larger shop | No — quote on request |
| Girvi Management | Firms wanting a cloud product with a free trial | No — quote on request |
| Marg ERP | Firms already running Marg for accounting | No — quote on request |
“Quote on request” simply means we could not find a price on their site on the date above. Several are long-established products with real customers; a quote-based model is a legitimate way to sell software where setup work varies between firms.
When GoldKhata is the wrong choice
- You need lending against anything but gold or silver. Property, vehicle and unsecured lending are not supported — every loan here is tied to pledged ornaments. If you need those, look elsewhere and do not let anyone talk you into a workaround.
- You are an NBFC needing core-banking integration. This is built for firms with one to three counters, not for multi-state lending operations with regulatory reporting pipelines.
- You want a one-time purchase with no recurring cost. A perpetual licence from a traditional vendor genuinely suits some firms better, particularly if you intend to run the same version for years.
- You have no usable internet at the counter. A phone hotspot is enough, but no connectivity at all is a real blocker.
What to compare, whichever you choose
- Does the interest match your register? Send one page and check. This single test eliminates more products than any feature list.
- What happens to your data if you leave? Ask for a full export before you buy, not after.
- What does it actually cost in year three? Add setup fees, annual maintenance and per-branch charges, not just the headline.
- Who answers when something breaks during an inspection? Ask how support works on a Saturday.
Frequently asked questions
Which gold loan software is cheapest in India?
Of the products publishing a price in August 2026, SthirApp is lowest on yearly billing at ₹3,600. GoldKhata Starter is ₹4,999 a year or ₹499 a month, and PawnR is from ₹8,000 a year. Most vendors do not publish a price at all, so the true cheapest may not be visible without gathering quotes.
Can I move my data from another gold loan software to GoldKhata?
Yes, if you can get it out of the current system as Excel or CSV — running loans come across keeping their loan numbers, dates and interest terms. Ask your current vendor for a full export first; if they cannot provide one, that is worth knowing before you sign with anyone new.