ERP10 min read
Gold Loan, Chit Fund or Nidhi: Choosing the Right ERP
Gold loan, chit fund, Nidhi and co-operative society software look similar but solve very different problems. Here is how to pick the right ERP for your licence and your risks.
Finance
Gold Loan ERP
Safer gold loans, faster approvals, zero interest disputes.
Gold Loan ERP covers the entire pledge lifecycle: appraisal, purity and weight capture with photos, loan sanction against gold rate and LTV rules, interest calculation, part payment, renewal, release and auction of overdue pledges. Packet and vault tracking keeps every ornament accounted for. Customers, field staff and branches each get their own mobile app.
Book a free demoKey modules & features
- Gold appraisal with purity, weight, photos and packet number
- Daily gold rate update and LTV control
- Multiple interest schemes and slab based interest
- Loan sanction, part payment, renewal and closure
- Pledge release with receipt and verification
- Overdue notices, lien and auction management
- Vault, packet and stock audit
- Day book, ledger and branch accounting
- Unlimited branches and staff
AI capabilities
- Overdue prediction and renewal reminders
- Fake or mismatched pledge anomaly alerts
- Optimal LTV suggestions by customer history
Business benefits
- Tight control over gold and cash
- No interest calculation disputes
- Faster disbursement at the counter
- Branch-wise risk visibility
Mobile apps included
Customer App
Loan details, interest due, online payment and renewal reminders.
Field Agent App
Lead capture, collection, KYC and live location tracking.
Staff Attendance Punch-in App
GPS and selfie attendance per branch.
Who is it for?
Gold loan NBFCsPawn brokers and finance firmsCo-operative banks and societiesJewellery financiers
Gold Loan ERP FAQ
How long does it take to go live with the Gold Loan ERP?+
Most gold loan companies are live within 2 to 6 weeks. We import your existing data, configure the modules you need, train your staff and stay on call during the first month.
Can the Gold Loan ERP be customised for our workflow?+
Yes. Every Arvension ERP is built in-house, so fields, approvals, reports, receipts and roles can be shaped around how you already work instead of forcing you into a rigid template.
Do you provide training and support?+
Yes. We provide onboarding, staff training, documentation and ongoing support by phone, WhatsApp and email from our Technopark, Trivandrum team.
Is our data secure?+
Data is encrypted in transit and at rest, access is role based, every sensitive action is logged in an audit trail, and automatic backups protect you against loss.
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Related solutions
Microfinance ERP
Unlimited branches and staff, with customer app, live field-agent tracking and staff attendance punch-in.
Chit Fund ERP
Chit groups, auctions, subscriber ledgers, dividend and prize payments with subscriber and agent apps.
Nidhi Company ERP
Deposits, loans and member accounts for Nidhi companies, with a special Directors app and customer apps.
Get a free demo
Tell us your business. We'll show you the ERP.
Our studio
4th floor, Module no.-6, Gayathri building, Technopark Phase 1, Trivandrum, Kerala, India - 695581
Call or WhatsApp
+91 91421 25724Working hours
Mon - Sat: 09:30 AM - 05:30 PM