Pawn broker software built for Indian pawn shops
Pledge register, pledge slips, interest slabs, part payment, partial release, notices and auction — with your cash book kept in the same system. Priced for a single shop at ₹21,000 one-time.
- Statutory pledge register
- Tamil & Malayalam
- Free migration from your books
Written for how a pawn shop actually runs
A pawn shop is not a small bank. The customer is standing at the counter, the ornament has to be weighed and described accurately enough to be identified in eighteen months, the slip has to print, and the whole thing has to take two minutes. Meanwhile the register you keep is a statutory obligation, the interest has to be right to the day, and at closing time the cash in the drawer has to match the book.
FinAcc is built around that counter. Loan entry is one screen. Interest is computed by the scheme, not by the person. The register, the accounts and the alerts are consequences of the entry rather than separate jobs someone has to remember.
What it does for a pawn broker
Pledge entry in one screen
Customer, ornaments, gross and net weight, purity, valuation, scheme, amount — then print. Photographs of the customer and the items are captured at the same time.
Statutory register
The pledge register maintained continuously and printable on demand, along with the notices and register formats required under state Pawnbrokers Acts.
Pledge slips on your printer
Dot-matrix, thermal or laser, and on your existing pre-printed stationery if you use it. Slips can print in Tamil or Malayalam.
Interest without arithmetic
Simple, compound, multiple and custom slab schemes with your own rules for part periods. The counter picks a scheme; the system does the rest.
Part payment & partial release
Release two ornaments out of five and keep the rest pledged, with the balance and interest recalculated correctly for what remains.
Overdue and auction
Ageing of overdue loans, auction notice generation with the trail intact, auction results posted back to the loan and to your books.
SMS & WhatsApp reminders
Automatic due-date and overdue reminders in the customer's language. Most shops see interest collection improve simply because the reminders go out reliably.
Day-end that balances
Daybook and cash book built in, so the day's closing position comes out of the same entries you already made.
Repeat customers recognised
A customer's full pledge history — live, closed and auctioned — on one screen when they walk back in.
Coming off manual registers
Most of the shops we set up have never used software for pledges. The pattern that works is boring and reliable:
- Live loans only. We key in the open pledges, not two decades of closed ones.
- Reconcile first. Principal outstanding, interest accrued and cash position matched to your book before the first new loan is written.
- Two days of training on your own data, in your language.
- Parallel run for as long as it takes you to trust it.
All of it is included in the licence price. No separate implementation charge.
What one shop keeps and what changes
Keeps: the same counter routine, the same stationery, the same interest schemes, the same customers.
Changes: nobody calculates interest by hand, the register is always current, reminders go out on their own, and the cash book closes itself at the end of the day.
₹21,000, one time
The Lite licence covers a single shop and is yours for life — pawnbroking, accounts, repledge, KYC, Aadhaar and biometric, and SMS/WhatsApp alerts. Support, updates and hosting are ₹6,000 a year.
Data migration, staff training and a trial account are included.
“This gold loan software is really good and user friendly.”
Natarajan RJayasakthi Finance, CoimbatoreFrequently asked questions
What is pawn broker software?
Pawn broker software records pledges taken against gold and other ornaments and manages them until release or auction: the customer and item record, the statutory register, the pledge slip, interest accrual under your scheme, part payments and renewals, notices, and the final release. It should also keep your cash book, so the shop's accounts and the pledge register stay in step.
Does FinAcc produce the statutory registers and forms?
Yes. FinAcc maintains the pledge register and produces the register formats and notices pawnbrokers are required to keep under state Pawnbrokers Acts, along with pledge slips and auction notices. Requirements differ between Tamil Nadu, Kerala, Karnataka and other states — tell us where you operate and we will confirm exactly what we produce for your state on the call.
I run one shop. Is this too big for me?
No. FinAcc Lite is priced and configured for a single shop at ₹21,000 one-time, and a great many of our 1000+ customers are single-counter pawnbrokers. The multi-branch features simply stay switched off until you need them.
Can it print pledge slips on my existing printer?
Yes, including dot-matrix and thermal printers, and on your existing pre-printed stationery if you use it. Bring a sample slip to the demo and we will set up the format.
How does it handle part payment and partial release?
Both properly. A customer can pay part of the interest or part of the principal, and can release some ornaments from a multi-item pledge while the rest stay with you. Interest and balance recalculate correctly for the remaining items — a case that a surprising amount of software in this category gets wrong.
What about auction?
Overdue loans can be listed for auction with the notice trail intact, auction results recorded against the loan, and the surplus or shortfall posted to the customer's account and to your books.
Does it work in Tamil?
Yes — entry, printing and support in Tamil, and also in Malayalam, Kannada, Hindi and Telugu. If you are moving from an older Tamil-font system we handle that migration regularly.
What does pawn broker software cost?
₹21,000 one-time for the Lite licence, plus ₹6,000 a year for support, updates and hosting. Data migration and staff training are free. See pricing.
Tell us about your shop.
How many live pledges you carry, which schemes you run, and what you keep the register in today. Two minutes on the phone and we can tell you whether FinAcc is right for you — including when it is not.
- Free data migration
- Free onboarding & training
- Free trial before you pay
- Support in your language