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Complete pledge management for pawn brokers. Gold loan tracking, automatic interest calculation, maturity alerts, redemption processing, and regulatory compliance -- everything in one GST-compliant platform.
Pawn Broking Features
Every aspect of pawn broking operations, from pledge creation to redemption, automated and compliant.
Create and manage pledges with detailed item descriptions, weight, purity, and appraised value. Track pledge status from creation through redemption or auction with complete history.
Track gold loans with principal amount, loan-to-value ratio, and disbursement details. Monitor outstanding loans, partial payments, and loan renewals with automatic ledger updates.
Flexible interest calculation with simple and compound interest modes. Configure rates per-ticket or per-scheme, with daily/monthly/quarterly compounding and grace period support.
Process redemptions with automatic interest accrual calculation. Handle partial redemptions, extensions, and renewals. Print redemption receipts with complete breakdown.
Automatic alerts for approaching maturity dates, overdue pledges, and auction-eligible items. Send reminders via WhatsApp and SMS to customers before deadlines.
Detailed collateral tracking with item-wise weight, purity, and valuation. Photo documentation, appraiser notes, and safekeeping vault/locker assignment tracking.
Built-in compliance with state money lending regulations. Maintain proper registers, generate statutory reports, and ensure adherence to interest rate caps and documentation requirements.
Comprehensive reports: pledge register, outstanding loans, interest accrued, maturity schedule, auction-eligible items, customer statements, and daily transaction summary.
Workflow
From appraisal to redemption, every step is tracked and automated.
Weigh and test purity of gold/silver items. Record detailed description with photos.
Create pledge ticket with LTV calculation. Print receipt with terms and conditions.
Automatic daily/monthly interest calculation. Track payments and outstanding balance.
Process redemption on payment. Or initiate auction for overdue items per regulation.
Maintain detailed customer profiles with KYC documents, pledge history, payment patterns, and credit scoring. Send automated reminders for upcoming maturities, interest payments, and promotional offers via WhatsApp and SMS.
Move from paper registers to a complete digital platform. GST-compliant, audit-ready, and regulation-aware.
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