Gold loan software price — one-time licence, from ₹21,000
You buy the licence once and it is yours for life. No monthly rental, no per-loan fee, no charge for the accounting module, and no charge to move your existing loans across.
FinAcc Lite
Single-shop pawn brokers and small gold financiers running one location.
+ ₹6,000 / year support, updates & hosting
- Pawnbroking module
- Accounts module included
- Repledge module
- KYC with photo capture
- Aadhaar & biometric integration
- SMS / WhatsApp alerts
- Multiple licences
- Tally export
FinAcc Pro
Growing and multi-branch financiers, and anyone whose accountant works in Tally.
+ ₹6,000 / year support, updates & hosting
- Everything in Lite
- Tally export plugin
- Multi-branch books & consolidation
- Role-based user permissions
- Branch-wise profit & loss
- Priority support queue
FinAcc NBFC Edition
Registered NBFCs and larger lenders with compliance and audit obligations.
- Everything in Pro
- Loan origination (LOS) built in
- Loan management (LMS) built in
- De-duplication check
- API integrations
- Compliance-ready reporting
- Accounting system integration
Prices are for the software licence and exclude GST. SMS and WhatsApp message credits are billed at gateway cost; biometric hardware is optional and bought separately.
What you are not paying extra for
The licence price is close to the whole cost. These are the four things that usually appear on someone else's invoice later.
Accounting software
Full double-entry accounts are inside FinAcc. No second package, no second data entry, no year-end reconciliation between two systems.
Data migration
We move your live loans from registers, Excel or your current software — including older Tamil-font systems — at no charge.
Onboarding & training
Your staff are trained on your own data, in your own language, as part of going live.
A trial before you commit
You use a working trial account with your own loans in it before you pay for the licence.
What each plan includes
| Module | Lite | Pro | NBFC |
|---|---|---|---|
| Pawnbroking module — pledge, part payment, renewal, release | ✓ | ✓ | ✓ |
| Interest schemes — simple, compound, multiple, custom slabs | ✓ | ✓ | ✓ |
| Accounts module — daybook, ledgers, double-entry trial balance | ✓ | ✓ | ✓ |
| Repledge module, including third-party repledge | ✓ | ✓ | ✓ |
| Customer KYC with photo capture | ✓ | ✓ | ✓ |
| Aadhaar integration | ✓ | ✓ | ✓ |
| Biometric / fingerprint integration | ✓ | ✓ | ✓ |
| SMS, WhatsApp and voice alert plugin | ✓ | ✓ | ✓ |
| Common masters & multiple licences | ✓ | ✓ | ✓ |
| Tally export plugin | — | ✓ | ✓ |
| Loan origination (LOS) & loan management (LMS) | — | — | ✓ |
| De-duplication check | — | — | ✓ |
| API integrations | — | — | ✓ |
| Compliance-ready reporting | — | — | ✓ |
Why the licence is one-time and not a subscription
A gold loan book is a long-lived thing. Loans written today are released in eighteen months; pledge records have to be retrievable years later; the register you keep is a statutory obligation, not a convenience. Software that stops working the month you stop paying is a poor fit for that.
So FinAcc is sold the way it has been sold since 2008: you buy the licence once and it is yours. The annual ₹6,000 buys support, product updates and cloud hosting. It is a service fee, not rent on the software.
Compare on total cost over five years rather than on the first invoice, and include what you will pay separately for accounting software, migration and training. That is the honest comparison, and it is the one we are comfortable with.
What to ask any vendor before you buy
- Is this a licence I own, or a rental?
- What happens to my data if I stop paying?
- Is accounting included or separate?
- Who pays for migrating my existing loans?
- Can it handle my interest scheme, not a standard one?
- Does it do third-party repledge?
- Is support available in my language?
- What happens when the internet goes down?
What Indian pawn shops actually pay for gold loan software
Most owners searching gold loan software price want a clear number — not a sales maze. FinAcc publishes plans upfront:
- Lite ₹21,000 — single counter, pawn/jewel loan operations
- Pro ₹30,000 — multi-user / growing shops
- Annual support ₹6,000 after year one (optional continuity)
No per-loan fee. No forced cloud rent if you prefer on-prem. Migration from Excel/registers included in onboarding.
Not sure Lite vs Pro? Request a call back — we size it from your daily pledge count. Or start from the demo page.
Request a Call Back Pawn broker software Gold loan software overview
Frequently asked questions
How much does gold loan software cost in India?
FinAcc Lite is ₹21,000 and FinAcc Pro is ₹30,000 as a one-time licence, plus ₹6,000 a year for support, updates and cloud hosting. The NBFC Edition is quoted on a call, because branch count and loan volume change the scope. Data migration, onboarding and staff training are included at no extra cost in every plan.
Is the licence a one-time cost or a subscription?
One-time. Any version of FinAcc you buy is a one-time cost and a lifetime licence — the software is yours. The separate ₹6,000 a year covers ongoing support, updates and cloud hosting. You are not renting the software.
What is not included in the price?
SMS and WhatsApp message credits are billed at cost by the gateway, and biometric or fingerprint hardware is bought separately if you want it. Everything else in the plan — the modules, migration, training and support — is in the licence price.
Do I need to buy accounting software as well?
No. The Accounts module is included in every plan: daybook, cash book, ledgers and a full double-entry trial balance. That is normally a separate purchase with other gold loan packages. FinAcc Pro also exports to Tally. See what the software does.
Is there a free trial?
Yes. After the demo we set up a trial account so you can use it yourself, with your own data, before you pay anything.
Will you move my existing loans across?
Yes, and it is free. We migrate your live loans from manual registers, Excel or your existing software — including older Tamil-font systems — and reconcile the opening balances with you before you go live.
How many computers can use one licence?
The Multiple Licences module is included in Lite and Pro, so more than one machine in a branch can work at the same time. Tell us your branch and counter count on the call and we will quote exactly.
What is the difference between Lite and Pro?
Both carry the full pawnbroking, accounts, repledge, KYC, Aadhaar and biometric modules. Pro adds Tally export and is the usual choice for businesses that already have an accountant working in Tally.
What does the NBFC Edition add?
Loan origination (LOS) and loan management (LMS) built in, de-duplication checks, API integrations, compliance-ready reporting and accounting integration. Because scope varies a great deal by book size and branch count, it is quoted on a call — see the NBFC page.
Can I pay in instalments?
Ask on the call. We have arranged staged payments for multi-branch rollouts before.
Get a firm number for your business
Licence cost depends on your branch and counter count, so the honest answer comes from a two-minute conversation rather than a table. Tell us your size and we will quote exactly — including migration and training, which are free.
- One-time licence, yours for life
- Free migration & training
- Free trial first
- Call back in 2 working hours