Features
One platform for the entire gold loan lifecycle
From the first walk-in to closure — and every journal entry in between — each module is built to reflect how a gold loan branch actually operates.
Loan Origination & Digital KYC
Capture the borrower's details, photo, signature, and ID documents at the counter. Aadhaar and PAN are encrypted at rest and only ever shown as the last four digits, so branch staff can find and verify a customer without the full number sitting in your database.
- Aadhaar & PAN encrypted at rest, displayed as last four digits only
- Borrower photo, signature, and ID document capture
- KYC verification status with verifier and remarks
- Bulk customer import from your existing spreadsheets
Gold Appraisal & Valuation
Record purity, gross weight, and stone deductions for each pledged item. Loan-to-value is calculated automatically and checked against your own LTV policy as well as the RBI caps that apply at that loan size, so no branch can quietly overlend.
- Item-level purity, gross, stone, and net weight capture
- Auto-calculated LTV with configurable min, default, and max limits
- RBI loan-size and per-purity LTV caps enforced at entry
- Photographs attached to each pledged item
Stock Register & Gold Inventory
Every pledged item enters the stock register at disbursal and leaves it at release, with its weights, purity, and borrower attached. Repledged items stay flagged as such, so the gold physically in your vault and the gold on your books never drift apart.
- Item-level tracking from pledge through to release
- Pledge, release, and repledge dates on every entry
- Active vs released stock summary with weight totals
- Repledge status visible against each item
Interest, Part Payments & Closure
Set your rate, compounding treatment, grace period, and fee rules once. The terms in force are frozen onto each loan at signing, so changing your policy tomorrow never restates the balance on a loan you already disbursed.
- Day-count interest against your configured annual rate
- Rate and compounding treatment frozen onto each loan at signing
- Part payments with carried-interest handling, and pre-closure
- Configurable late fee, grace period, and processing fee rules
Due-Date Reminders & Documents
Automated email reminders go out ahead of the due date and again once a loan is overdue. Pawn tickets, payment receipts, and repledge letters generate straight from the loan record — in the language the borrower prefers.
- Automated email reminders before and after the due date
- Pawn tickets and payment receipts generated per loan
- Borrower documents in your customer's preferred language
- Your own terms and conditions printed on every document
Double-Entry Accounting
Every disbursal, repayment, expense, and asset purchase posts a balanced journal entry against a chart of accounts set up for your organization. Nothing has to be re-entered into Tally at month-end, because the books are already written.
- Balanced journal entries posted automatically from every transaction
- Chart of accounts provisioned per organization
- Manual journal entries for anything outside the loan book
- Financial period close and lock
Financial Reports & Dashboards
Because every transaction is already journalled, the reports are a query rather than a reconstruction. Pull a Balance Sheet, Profit & Loss, or Trial Balance for any period, drill into the ledger behind any number, and export it as PDF.
- Balance Sheet, Profit & Loss, and Trial Balance
- Cash book and general ledger with drill-down
- Outstanding loan and portfolio reports
- Consolidated multi-branch reporting and PDF export
Repledge, Pronotes, Deposits & Expenses
Gold loans are rarely the whole operation. Repledge your pledged items to a bank with item-level tracking, run unsecured pronote lending, take customer deposits, and record expenses, fixed assets, and partner capital — all posting to the same ledger.
- Repledge with item-level tracking and letter generation
- Pronote (unsecured) loans with their own receipts
- Customer deposits with receipts and closure
- Expenses, fixed assets with depreciation, and capital transactions
Multi-Branch & Role-Based Access
Give cashiers, verifiers, branch officers, accountants, and head-office staff exactly the access they need — using the built-in roles or your own. Key actions are logged against a user and a timestamp, and no branch can ever see another organization's data.
- Branch-scoped records with strict tenant isolation
- Nine built-in roles, plus custom roles you define
- Granular permissions per module and action
- Audit log of key actions with user and timestamp
Want to see it running on your own numbers?
Book a walkthrough and we'll map Frizely Gold to your branches, rates, and workflows.