AI-Based Gold Loan ERP
Appraise, lend, renew and auction with confidence. Every gram of gold and every rupee of interest tracked across branches.
Overview
Gold loan is a business of trust and precision. Our Gold Loan ERP records every ornament, calculates interest to the day, tracks each packet from the counter to the vault and warns you when gold prices change your loan-to-value, while customers and staff stay connected through mobile apps.
Built for: Gold loan NBFCs, pawn brokers, co-operative and Nidhi lenders and finance companies with gold loan branches.
What is inside the Gold Loan ERP
- Gold appraisal with purity, gross and net weight
- Configurable loan schemes and interest slabs
- Loan sanction and disbursement
- Interest calculation, part-payment, renewal and closure
- Packet and locker tracking
- Daily gold-rate update and LTV monitoring
- Overdue notices and auction management
- Branch cash and day-end closing
- Vault audit and stock verification
- Accounting and ledger
- Agent and staff incentives
- Multi-branch consolidated reports
Mobile apps included
Customer Mobile App
Customers see loan details, interest due, renewal dates and pay or renew online.
Field Agent App with Live Tracking
Agents collect payments, register customers and follow their daily route, while the head office sees every agent's live GPS location.
Staff Attendance Punch-in App
Staff punch in and out from the phone with GPS and selfie verification, so branch attendance is accurate and tamper-proof.
Smarter with built-in AI
- Loan-to-value alerts when the gold rate falls
- Overdue-risk prediction
- Automatic renewal and auction notices
- Fraud and appraisal anomaly flags
Why choose this system
- Interest and dues calculated exactly, every time
- Gold packets traceable from counter to vault
- Faster renewals and recoveries
- Branch-wise control for owners
Gold Loan ERP: common questions
Can we create our own interest slabs?
Yes. Schemes, slabs, penalties and renewal rules are fully configurable.
Does it track each gold packet?
Yes. Every packet is recorded at appraisal and tracked through vault transfers and audits.
Can the gold rate update daily?
Yes. You can update the daily rate and monitor loan-to-value across branches.
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ExploreReady to see it working for your business?
Tell us about your business. We will show you a working demo and a clear quote, with no obligation.