Digital girvi register. No more paper books.
Gold loans with automatic interest accrual, WhatsApp reminders for dues, and legal-ready auction management — all digital.
Everything this module can do
Pledge Record
Item description, weight, purity, photograph — captured on pledge.
Auto Interest
Daily compounding with grace period. No manual calculation errors.
Partial Payments
Principal + interest split on each payment. Running balance always accurate.
Overdue Alerts
Visual flag on dashboard. Auto-escalate to owner after grace period.
WhatsApp Reminders
Due date reminders, overdue notices sent automatically on schedule.
Receipt Printing
Printed pledge receipt with terms, photo, interest rate, due date.
Auction Register
Legal notice templates. Auction register maintained per money-lending rules.
Renewal Workflow
One-click renewal with interest payment. Old loan closed, new one opened.
How it actually works
Pledge accepted
Customer brings gold item. Weight, purity, photo captured. Loan amount agreed.
Receipt printed
Printed receipt with all terms, photo of pledged item, due date, interest rate.
Interest accrues
Daily calculation runs. Reminders sent 3 days before due, on due, weekly if overdue.
Payment or auction
Customer pays (full/partial) or item goes to auction per money-lending rules.
Why paper girvi breaks down
Missed due dates
By the time you notice, grace period is blown. Loss on interest and goodwill.
Calculation errors
Manual interest math — one wrong day, wrong rate, customer disputes, losses.
Lost receipts
Customer loses the paper. Now it's your word vs theirs. Legal risk during auction.