Products and pledge rates
Gold loan products with their own charges, loan-to-value and interest rate charts, and pledge rates maintained per product and carat so eligibility is the same at every counter.
New Age Digital
New Age Digital
Gold Loan Software replaces the pledge register, the interest book and the packet ledger with one system. Every ornament is photographed and weighed at the counter, the eligible amount is calculated from the day's rate, and the pledge receipt prints before the customer leaves.
Gold loan products with their own charges, loan-to-value and interest rate charts, and pledge rates maintained per product and carat so eligibility is the same at every counter.
Ornaments recorded with carat, gross and net weight, the day's gold rate and pledge rate, with the eligible amount calculated automatically.
Create, approve, disburse and close gold loans, with top-up requests, pre-closure requests, interest calculation and the repayment schedule.
Collateral allotments, a stock register of pledged gold and stock movement between branches, lockers and auction.
Agreement and receipt generation, eSign, Aadhaar link and bank account verification, with denominations recorded on cash transactions.
Onboarding, sanction, disbursement and callback APIs for partner NBFCs and co-lenders, including bulk operations.
Fineract GL accounting with day book, balance sheet, profit and loss, bank reconciliation, pending-loan lists and emailed reports.
Technology
Yes. The daily rate is entered or imported each morning, and the loan-to-value percentage is set per scheme and purity, so eligibility is calculated the same way at every counter.
Yes. Top-up and pre-closure requests are raised against the loan, approved by the branch and settled with the interest calculated to the day.
Yes. Partner integration APIs cover onboarding, sanction, disbursement and callbacks, so the partner's share is booked and reported automatically.
Pricing depends on branch count. Request a demo and we will quote for your setup.
A 30-minute walkthrough using your own scenario. No commitment.
Typical reply within one business day · Monday – Friday, 9:30 AM – 6:30 PM IST