Capture straight from the phone
Every branch already has phones. Open the loan on any phone's browser, snap the photo, done — no dedicated scanner or camera hardware to buy or carry.
Gold loan software built for jewellers
The operating system for jewellers running a gold loan business
GirviDesk brings loan origination, gold rates, collections, auctions, and compliance into one secure, cloud-native platform — built primarily for Indian jewellers who lend against gold, and just as capable for NBFCs and pawnbrokers running the same workflows.
- Multi-branch from day one
- Metal rate management
- Built-in customer portal
Built around real proof, not paperwork
Every activity, backed by a photo — captured on the phone already in your hand
No scanner, no separate camera, no lost paperwork. Open a loan, close a loan, capture a signature — GirviDesk captures and retains the photo record right from any phone, permanently attached to that loan's history.
A photo record for every activity
Loan opening, loan closing, packet photos, even captured signatures — every meaningful step keeps its own photo, retained against that loan for as long as you need it.
Delegate the capture to your staff
You don't have to be the one holding the phone. Assign the loan to a cashier or manager — whoever handles the counter captures the proof, and you still see exactly who captured what and when.
Everything one gold loan desk needs
Built around how jewellers actually run gold loans
Every module below reflects real gold-loan-business workflows, not a generic lending template — from live metal rates to auction handling to multi-branch cash reconciliation. Built for jewellers first; NBFCs and pawnbrokers running the same workflows are welcome too.
Loan origination & collateral tracking
Capture loans against gold and other metal collateral with photo/media records, item-level tracking, and full history from disbursal to closure.
Gold & metal rate management
Keep gold, silver, and custom metal rates current across every branch, with rate history feeding directly into valuation and interest calculations.
Multi-branch, role-based access
Run every branch from one account, with per-role permissions, per-branch cash position tracking, and centralized oversight across your whole business.
Customer self-service portal
Let customers check loan status, view payment history, and stay informed — without a phone call to the branch every time.
Interest schemes, EMIs & auctions
Configure interest schemes and EMI schedules that match how you actually lend, with structured auction handling for overdue accounts.
Layered security by design
Tenant-isolated data at the database level, role-based access control, session device limits, and audit logging on every sensitive action.
Real-time dashboards & reports
See loan book health, collections, and branch performance as it happens, with exportable data for your accountant or auditor.
Collateral repledge & rediscount
Repledge packets to another jeweller or financier to raise capital, with full custody-chain tracking, cash movements, and spread-based profit — not just a side spreadsheet.
Getting started
Up and running in three steps
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01
Start on the Free plan
Sign up, set your business details, and add your first branch — free, no card required.
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02
Digitize your operations
Bring loan origination, gold rates, and staff roles online, and retire the paper ledger.
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03
Grow with clarity
Add branches and staff as you scale, backed by real-time reporting across your whole business.
Simple, transparent pricing — including a forever-free plan
Pricing that scales with your branches
Every plan below lists exactly what’s included and what isn’t, and the full comparison table further down shows every feature and account limit side by side, so you can pick the right plan with the full picture instead of guessing.
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Compare every plan & feature
Every capability and account limit, side by side — including what each plan doesn’t include, so you can choose with the full picture.
Questions
Frequently asked questions
What is GirviDesk?
GirviDesk is cloud-based software built primarily for jewellers offering gold loans — also used by NBFCs and pawnbrokers — to manage loan origination, collateral tracking, gold rates, interest and EMI schedules, auctions, and multi-branch operations from one platform.
Is GirviDesk really free to use?
Yes. GirviDesk has a genuinely free plan, not just a time-limited trial — create an account and start using it without a credit card, and upgrade only when your business needs more. See the pricing section above for plan details.
Does GirviDesk support multiple branches?
Yes. GirviDesk is built for multi-branch gold loan operations, with per-branch cash position tracking, role-based staff access, and centralized reporting across every branch.
Is my business data secure on GirviDesk?
GirviDesk is built with tenant data isolation at the database level, role-based access control, session device limits, and audit logging on sensitive actions, so each business's data stays isolated and traceable.
Ready to modernize your gold loan business?
Start on the Free plan — set up your first branch in minutes.
Start on the Free plan