How does gold loan management software calculate slab interest?

Vinfoz FMS calculates slab interest automatically to the exact day. You can configure multiple slabs — for example 2% per month for loans up to ₹50,000 and 2.5% for amounts above. The system applies the correct slab automatically based on loan amount or duration.

Can I manage pawn tickets digitally without paper?

Yes. Vinfoz FMS generates fully digital pawn tickets with item details, customer photo, ornament photos, weight, purity, and loan amount. Tickets can be printed or shared digitally. No paperwork needed.

Does the pawn broker software support repledge?

Yes. The Plus and Pro plans include repledge management — track gold items pledged to a bank or external lender, with payment tracking and a full audit trail separate from customer pledges.

Is there a mobile app for managing gold loans on the go?

Yes. Vinfoz FMS includes an Android mobile app on the Plus and Pro plans. You can create pledges, collect interest, view overdue alerts, and check reports from your phone.

How much does pawn broker software cost in India?

Vinfoz FMS pawn broker software starts at ₹10/day for Starter (owner login only, one interest scheme, 3 reports, no nominee records), ₹15/day for Lite (owner plus 1 staff user, one interest scheme, 5 reports), ₹25/day for Plus (owner plus 2 staff users, multiple interest schemes, mobile app, top-up loan, 8 reports), and ₹35/day for Pro (owner plus 3 staff users, repledge, all 11 reports, FD/RD tracking, notifications). No registration fee. No setup cost.

FMS Gold Loan & Pawn

Pawn Broker & Gold Loan Software

Every Pledge.
Every Interest.
Fully Digital.

Vinfoz FMS is purpose-built for pawn brokers and gold loan businesses. Digital pawn tickets, automatic slab interest, nominee records, repledge — go fully digital from day one.

Get Started Free Book a Demo

Digital

Pawn Tickets

Auto

Slab Interest

Nominee

Records

Active Pledges

8 Active

Anbu S. PL-041 Active

Gold Chain 22K · 18g Loan ₹45,000

Selvi R. PL-039 Active

Gold Bangles 22K · 24g Loan ₹60,000

Murugan K. PL-037 Overdue

Gold Ring 22K · 6g Loan ₹14,000

Radha M. PL-034 Active

Gold Earrings 18K · 10g Loan ₹18,000

PL-041 — Pawn Ticket Active

Item

Gold Chain 22K

Weight

18 grams

Purity

22 Karat

Loan Amt

₹45,000

Interest/mo

₹900 (2%)

Days

62 days

Release Collect Interest Forfeit

Sound Familiar?

The Old Way Is Costing You

Paper Pawn Tickets

Lost tickets, faded ink, no search. One missing ticket and the entire pledge becomes a dispute. No way to know what's overdue.

Manual Interest Calculations

Computing slab interest on a register for dozens of pledges daily — prone to errors, inconsistencies, and customer disputes.

No Nominee or KYC Records

Nominee and guarantor details scattered across registers — impossible to retrieve when a pledge becomes a dispute or legal matter.

Purpose-Built

Pawn Broker Software Built for Gold Loan Businesses

Not a generic loan system with pawn as an afterthought — every feature is designed specifically for pawn brokers and gold loan management in India.

Digital Pawn Tickets

Generate professional pawn tickets with item details, customer photo, and ornament photos. Print or share digitally.

Slab Interest Calculation

Configure different interest rates per slab — amount-wise or duration-wise. Interest auto-calculated to the exact day.

Nominee & Guarantor System

Record nominee and guarantor details with photos at loan creation. Full KYC records stored securely — retrievable any time.

Plus & Pro

Repledge Management

Repledge items to a bank or external lender. Track repledged gold separately with payment tracking and full audit trail.

Photo Upload

Upload photos of pledged ornaments and customer ID proof. Stored securely — always available when you need proof.

Timeline & Audit Trail

Every action on every pledge — interest collected, partial payments, renewals, scheme changes — logged with date and user.

Plus & Pro

Multiple Loan Schemes

Create schemes like "2% up to 6 months, 3% after". Assign any scheme at pledge creation. Switch schemes mid-loan.

Plus & Pro

Mobile App (PWA · Android & iOS)

Manage pledges, collect interest, view reports, and get overdue alerts from your phone. Works on Android & iOS as a PWA — no app store download needed.

Pro

Push Notifications

Automatic alerts when a pledge goes overdue or approaches its renewal date. Notifies all staff on mobile app.

One-Click Reports

Active loans, overdue aging, gold in custody, interest income, disbursements — all reports with one click, zero exports.

Pro

FD & RD Tracking

Track fixed deposits and recurring deposits from the same platform. Maturity forecast and payout tracking built in.

Simple Workflow

How It Works

Three steps — create, track, close. Nothing complicated, nothing to learn from scratch.

Step 1

Create the Pledge

Register the customer, record the pledged item with weight, purity, and photos. Assign a loan amount and interest scheme. The digital pawn ticket is generated instantly.

Step 2

Track Interest

Interest is calculated automatically to the day — no spreadsheets, no manual math. Collect partial or full interest at any time. Every collection is logged to the pledge timeline.

Step 3

Release or Forfeit

When repaid, release the pledge — item returned and a full receipt generated. Overdue pledges can be forfeited with a complete, court-admissible audit trail.

Data at Your Fingertips

Gold Loan Reports Built
for Pawn Brokers

Every report your pawn broker business needs — overdue follow-ups, interest income, gold in custody, aging buckets. One click, instant. No exports, no Excel.

Lite — Basic Reports

Active Loans Register

Overdue Loans

Pledge Register

Plus — Core Reports

Loan Aging Buckets (0–30, 31–90, 91–180, 180+ days)

Disbursements Report

Payments Received (Interest / Principal split)

Loan Closures Report

Interest Income Summary

Gold Custody Register (incl. repledged items)

Pro — All Reports

Repledge Summary with Bank Details & Payments

FD Forecast & Maturity Report

RD Collection & Forecast Report

Principal Outstanding Summary

Interest Crystallised vs Collected (monthly)

Gold Custody & Aging Today

Active Pledges

824g

Gold in Custody

₹24.6L

Portfolio

Pledge Aging

0 – 30 days

31 – 90 days

91 – 180 days

180+ days

Top Overdue

Murugan K. PL-037

94 days overdue

₹14,000

Rajan P. PL-029

112 days overdue

₹28,000

Kavitha S. PL-021

187 days overdue

₹9,500

In their words

“A pawn shop does not work like an ordinary shop. Our earlier software would not change for us. Vinfoz changed theirs to match how we actually work.”

Owner

ஸ்ரீ பாண்டியம்மாள் நகை அடகு கடை · Peraiyur, Madurai

“The quotes we were given were far beyond what we could spend. Vinfoz put us on a monthly payment instead and trained our staff themselves. We got more for less.”

Hema, Owner

RR Finance · Payanam

“We stayed because it is simple. Nobody in the office needed weeks to learn it.”

Owner

BBR Finance · Kaliyakkavilai

100% Transparent Pricing

Simple Daily Recharge

No registration fee. No setup cost. No contracts. No hidden charges.
Pay as you go — stop anytime.

Zero Registration Fee · Zero Setup Cost · Daily Recharge Only

Starter

₹10 /day

~₹300/month

For a one-person shop putting the pledge register on a computer.

Owner Login (no staff users)
Default Interest Scheme
Digital Pawn Tickets
3 Core Reports
Staff Logins
Nominee & Guarantor Records
Top-up Loan
Photo Upload (Item + Customer)
Repledge
Multiple Schemes
Mobile App (PWA · Android & iOS)
FD / RD Tracking
Push Notifications

Get Started

Lite

₹15 /day

~₹450/month

For solo pawn brokers going digital for the first time.

Owner + 1 Staff User
Default Interest Scheme
Digital Pawn Tickets
Nominee & Guarantor Records
5 Core Reports
Top-up Loan
Photo Upload (Item + Customer)
Repledge
Multiple Schemes
Mobile App (PWA · Android & iOS)
FD / RD Tracking
Push Notifications

Get Started

★ MOST POPULAR

Plus

₹25 /day

~₹750/month

For growing businesses with multiple schemes and mobile access.

Owner + 2 Staff Users
Multiple Loan Schemes
Digital Pawn Tickets
Photo Upload (Item + Customer)
Nominee & Guarantor Records
Top-up Loan
Mobile App (PWA · Android & iOS)
All Core Loan Reports (8 reports)
Gold Custody Register
Loan Aging Report
Repledge Management
FD / RD Tracking
Push Notifications
Advanced Reports

Get Plus — Most Popular

🏆 MOST USEFUL

Pro

₹35 /day

~₹1,050/month

For established businesses that need all reports, FD/RD, and team notifications.

Owner + 3 Staff Users
Multiple Loan Schemes
Digital Pawn Tickets
Photo Upload (Item + Customer)
Nominee & Guarantor Records
Repledge Management
Top-up Loan
Mobile App (PWA · Android & iOS)
All Reports (11 reports)
Gold Custody Register
Loan Aging Report
FD Tracking & Maturity Forecast
RD Tracking & Collection Report
Push Notifications (Mobile)

Get Pro — All Features

All plans include unlimited pledges, unlimited customers, and free software updates. No per-transaction fees.

Who Uses Vinfoz Pawn Broker Software

Trusted by gold loan businesses and pawn shops across Tamil Nadu, Kerala, Karnataka, and Andhra Pradesh

Pawn Brokers

Gold Loan NBFCs

Jewellery Shops

Microfinance Co.

Credit Societies

Money Lenders

Pawn broker software & gold loan management software available in Chennai · Coimbatore · Madurai · Salem · Tirunelveli · Trichy · Kochi · Thrissur · Kozhikode · Bangalore · Mysore · Hyderabad · Vijayawada · Tirupati & across India

Every Pledge.
Every Interest.
Fully Digital.