Gold finance software for lenders running a live pledge portfolio
Run every pledge, interest scheme, repledge and release in one gold finance system — with double-entry accounts built in. Trusted by 1000+ Indian lenders since 2008. One-time from ₹21,000.
- Tamil, Malayalam, Kannada, Hindi
- Cloud or on-premise
- One-time licence from ₹21,000
Call back within 2 working hours · Free migration & training · Free trial on your loans
What a gold loan management system has to get right
Most software sold into this market can record a loan. That is the easy part. The things that decide whether a pawnbroker or gold financier can actually run their business on it are narrower and less glamorous: whether it can reproduce your interest scheme rather than a textbook one; whether the day's cash position in the software matches the cash in the drawer; whether a part payment three months in, followed by a renewal, followed by a partial release of two of five ornaments, leaves the balance and the interest correct.
Looking for plain gold loan software rather than full portfolio management? The overview page covers that. FinAcc has been built against these cases since 2008, with feedback from more than a thousand businesses running everything from a single counter to multi-branch operations. The sections below describe what it does, in the order you do it.
The daily cycle
- PledgeCustomer and ornament details, weight, purity, net weight, photographs, KYC, scheme selection and a printed pledge slip.
- ServicePart payments, interest collection, renewals, top-ups and partial release of individual ornaments.
- NotifyDue-date, interest-overdue and auction notices by SMS, WhatsApp and voice, in the customer's language.
- CloseFull release with final interest computation, or auction with the statutory notice trail intact.
What is inside the gold loan management system
Interest schemes
This is where most evaluations are won or lost. FinAcc supports simple interest, compound interest, multiple schemes running side by side, and fully customisable slab schemes — different rates for different periods, different amounts and different customer grades, with your own rules for part periods and grace days.
You set the schemes up once as masters. Counter staff pick a scheme when they write the loan and never calculate interest by hand again. When you change a rate, existing loans keep the scheme they were written under.
Customer KYC, photographs and Aadhaar
A complete customer database with photographs of the customer and of the pledged ornaments, address and identity records, and Aadhaar integration. Biometric and fingerprint devices are supported where you want an additional check at the counter.
Repeat customers are recognised on their next visit, with their full loan history — live, closed and auctioned — on one screen, which is what makes a lending decision fast.
Repledge, including third party
When you pledge your customers' ornaments onward to raise working capital, you take on a second book that has to reconcile with the first. FinAcc tracks repledge into your own banks and into third parties: which packets went where, on what terms, what interest you are paying against what you are earning, and what has to be released before a customer can collect.
This is the module multi-branch financiers most often move to FinAcc for, because a great deal of software in this category stops at your own vault.
Accounting, built in — not bolted on
Every disbursement, interest receipt, part payment and release posts into a genuine double-entry ledger as it happens. You get a daybook, cash book, bank book, party ledgers, trial balance, profit and loss and balance sheet from the same data your loan register uses.
The practical consequence: there is no separate accounting package to buy, no second data entry, and no reconciliation at year end between a loan system and an accounts system that disagree. FinAcc Pro exports to Tally for accountants who prefer to work there.
SMS, WhatsApp and voice alerts
Due-date reminders, interest-overdue notices, auction notices and receipt confirmations go out automatically in the customer's own language. One-time passwords are supported where you want to confirm a release or a payment.
For most customers this is the change that pays for the software: interest that used to be chased on the phone arrives because the reminder went out on time, every month, without anyone remembering to send it.
Also included
Multi-branch
Branch-wise books and profit & loss, role-based permissions, inter-branch cash and gold movement, and head-office consolidation without ringing each branch.
Reports that get used
Live loan register, interest due and collected, overdue ageing, scheme-wise and branch-wise performance, auction lists, and the statutory registers you have to keep.
Mobile access
Cloud customers can see today's position, loans written and cash collected from a phone. As one customer puts it: “I can see all my reports and transactions from my mobile.”
Six languages
Tamil, Malayalam, Kannada, Hindi, Telugu and English for data entry, printing and support.
Cloud or on-premise
Run it hosted with automatic backups, or entirely inside your own shop if your connection is unreliable.
Migration from anything
Manual registers, Excel, or an older package — including Tamil-font systems from the VB6 era, which we have handled many times. Free of charge.
Moving from manual books or Excel
This is the part most owners worry about, and it is the part we do most often. The process is the same whether you are on registers, on Excel, or on a package you have outgrown.
First, we take your live loans only. There is no need to re-key twenty years of closed pledges to go live — closed history can follow later as reference data. What matters on day one is that every open loan, its scheme, its accrued interest and its ornament details are correct.
Then we reconcile before you go live, not after. Total principal outstanding, total interest accrued and cash position in FinAcc are matched against your own books, item by item where they differ. You sign off on that before the first loan is written in the new system.
Then you run in parallel for as long as you want. Most shops stop after a week; a few cautious ones run a month. Either is fine.
Migration, reconciliation and staff training are all included in the licence price. We do not charge for them, because the alternative — a customer who half-migrates and gives up — is worse for both of us.
Who uses this gold loan portfolio management software
Pawn brokers
Single-shop and small chains. Statutory registers, pledge slips, daily interest.
More →Multi-branch financiers
Consolidation, repledge, branch P&L, permissions.
More →NBFCs
LOS, LMS, de-dupe, audit trail, compliance reporting.
More →Girvi / money lenders
गिरवी मैनेजमेंट — Hindi interface.
More →Built for Indian gold loan shops — not only big NBFCs
Search results for gold loan software are full of bank/NBFC platforms. FinAcc is different: it starts at the pawn counter and scales to multi-branch financiers.
- Single-shop jewel loan / pawn brokers — Tamil slips, pledge register, auction
- Multi-branch gold financiers — consolidated position, role permissions
- NBFC gold loan desks — maker-checker, LTV controls, audit trail
Transparent gold loan software price (from ₹21,000 one-time). Prefer a walkthrough? Request a call back or book a demo.
Also see pawn broker software and girvi software if that is how your customers search.
Frequently asked questions
What is gold loan software?
Gold loan software records and manages the full life of a loan given against gold ornaments: the pledge, the ornament details and weight, the customer's KYC, the interest scheme, part payments and renewals, the notices you must send, and finally the release or auction. Good gold loan software also posts every one of those movements into an accounting ledger, so your books and your loan register never diverge.
What is gold finance software?
Gold finance software is the lender-facing system that runs a live gold-pledge portfolio: writing loans, applying your interest schemes, collecting part payments and renewals, managing repledge, sending due notices, and releasing or auctioning ornaments. In India it is often used interchangeably with gold loan software. FinAcc is built for that full cycle and posts every movement into double-entry accounts, so the loan register and the books stay aligned.
Is gold loan software the same as gold loan management software or jewel loan software?
In practice yes — buyers in India use gold loan software, gold loan management software, gold finance software, jewel loan software and pawnbroking software to mean the same thing. FinAcc covers all of it in one product. The only real distinction worth making is between software for a lender's own operations, which is what FinAcc is, and consumer apps for borrowers, which it is not.
Can FinAcc handle my interest scheme?
Almost certainly. FinAcc supports simple, compound, multiple and fully customisable slab schemes, with different rates by period, loan amount and customer grade, and different treatment for part periods. If you have an unusual scheme, bring it to the demo — we set it up live rather than telling you it can be done.
Does it work in Tamil and Malayalam?
Yes. Customer names, addresses and item descriptions can be entered in Tamil, Malayalam, Kannada, Hindi or Telugu, and pledge slips and notices print in the same language. Support is available in those languages as well.
Do I need a separate accounting package?
No. Full double-entry accounting is built in: daybook, cash book, ledgers, trial balance. Every loan transaction posts automatically. FinAcc Pro also exports to Tally if your accountant prefers to work there.
Can it manage repledge?
Yes, including third-party repledge. You can track ornaments pledged into your own bank or a third party, reconcile the interest you pay against the interest you earn, and see release positions per packet. See repledge software.
Is it cloud or installed?
Either. Cloud gives you access from a phone and automatic backups; on-premise runs entirely inside your shop and is unaffected by internet outages. We recommend one based on your connection and branch count — see security and deployment.
How many branches can it handle?
There is no practical limit. Branch-wise books, role-based permissions, inter-branch cash and gold movement and head-office consolidation are all supported. See multi-branch gold loan software.
How long does it take to go live?
For a single shop, usually within a week of the decision: a day or two to migrate and reconcile your live loans, a day of training, and then a parallel run for as long as you want one. Multi-branch rollouts are done branch by branch.
What is the gold loan software price in India?
The gold loan software price for FinAcc starts at ₹21,000 as a one-time lifetime licence, with ₹6,000 a year for support, updates and hosting. Migration, training and a free trial are included. Full detail on the pricing page.
Can I try it before buying?
Yes. After a 30-minute demo we create a trial account loaded with a sample of your own loans so you evaluate it on your real data.
Is there a free version or free download?
No, and we would be cautious of anything advertised that way in this category. A gold loan register carries your customers' KYC and the record of their pledged ornaments; that is not data to put into an unsupported free download. What we do offer is a genuine free trial with support behind it.
See it running on your own loans.
Send us a sample of your register or Excel file and we will load 50 of your own loans into a trial account, so the demo shows your real customers, your real schemes and your real numbers.
- Free data migration
- Free onboarding & training
- Free trial before you pay
- Support in your language