01
Set up your schemes once
Define interest the way you lend — simple or compound; daily, weekly or monthly — with duration-to-rate mappings, minimum and maximum loan amounts, and document charges. Set once, applied consistently on every loan.
Jewel loan Early access
Run your gold-loan book — pledge to redemption to auction
Interest has to be right to the day. Your books and your vault have to agree, every day. A pledge business runs on trust and exact numbers — and a paper register can't keep up when a customer walks in to pay.
What it saves
One wrong interest figure, and you lose the customer or the money.
A gold-loan counter is a different business from your showroom — so JewelGrow runs it on its own, on the same login you already use. Record the pledge, disburse against your scheme, and let the system handle interest, repayments and settlement. Every rupee is double-entry posted to your ledgers and every gram is tracked in a dedicated stock ledger — so your books and your vault always agree.
The product
Run your gold-loan book — pledge to redemption to auction
02
Interest, calculated the way you lend
Due dates are scheduled automatically, and interest recalculates in real time the moment a customer comes in to pay — no manual maths at the counter.
03
Take payments however they come
Interest payments with discounts and other charges, part-principal collection, and principal pay-down or top-up against existing collateral. Settle by cash, bank, card or UPI — each posted to your ledgers automatically.
04
Redeem in a single step
Redemption settles interest and principal, returns the jewels and reverses the stock at once. Repledge and pledge replacement roll a loan forward without re-keying customer or item data.
05
A clear path when a loan goes unpaid
A built-in auction workflow takes you from prior notice to sale catalogue to final sale, with interest and charges netted out.
06
Your books and your vault always agree
Double-entry posting plus a dedicated jewel-stock ledger, with dealer and nominee tracking, document-proof upload, and PDF loan, interest and redemption receipts.
And, at the same counter
Area & branch-wise P&LExpiry-loan reportsPaid / unpaid interestHand-stock & jewel-stock reportsPDF loan & redemption receipts
Questions jewellers ask us
Is Jewel Loan part of JewelGrow?
Yes — it's a JewelGrow module for jewellers who also run a loan counter. Lending is a different business from retail, so it runs on its own, on the same login and the same platform you already use.
What kinds of interest can it handle?
Simple or compound, with daily, weekly or monthly cadence, tiered by duration. It recalculates in real time whenever a customer comes in to pay.
Do my books and my stock stay in sync?
Yes — every rupee is double-entry posted to your ledgers and every gram is tracked in a dedicated stock ledger, so your books and your vault always agree.
What happens when a loan is redeemed?
Redemption settles interest and principal, returns the jewels and reverses the stock in a single step.
Can I roll a loan forward instead of closing it?
Yes — repledge and pledge replacement move a loan forward without re-entering customer or item details. You can also top up the principal against existing collateral.
What if a loan goes unpaid?
A built-in auction pipeline takes you from prior notice to sale catalogue to final sale, with interest and charges netted out automatically.
See a loan run start to finish
Walk us through how you lend — your schemes, your rates. We'll show a pledge from intake to redemption, with the ledgers and stock keeping up. In your language, near you.