गिरवी सॉफ्टवेयर क्या है? — What is Girvi Software?
Girvi (गिरवी) is the Hindi term for pawning or pledging — the practice of pledging gold jewellery in exchange for a short-term cash loan. In Rajasthan, Uttar Pradesh, Madhya Pradesh, Bihar, Haryana, and Gujarat, pawn brokers are commonly known as girvi dukan (गिरवी की दुकान) operators.
Girvi software is a specialised management system for these Hindi-belt pawn brokers — handling the complete girvi workflow: customer KYC, gold weighing and valuation, girvi receipt (pawn ticket) printing in Hindi, interest calculation, SMS reminders, and overdue management.
Same business, different name
Whether your customers call it girvi, pledge, gold loan, or jewel loan — the business model is identical. FinAccSaaS girvi software handles all workflows with support for Hindi, regional language receipts, and interest schemes used across North and Central India.
Key Features of FinAccSaaS Girvi Software
- Hindi girvi receipt printing — Print girvi receipts (pawn tickets) in Hindi with all mandatory details: customer name, gold weight, purity, loan amount, interest rate, and due date
- Automatic interest calculation — Flat rate, stepped rate (badhti dar), and minimum interest slab (न्यूनतम ब्याज) — all calculated automatically for every girvi account
- Customer KYC with Aadhaar — Digital KYC with photograph, Aadhaar verification, and PAN — compliant with RBI requirements for loans above ₹20,000
- SMS reminders in Hindi — Automated SMS reminders to customers in Hindi before due dates — reduces overdue accounts by 30–50%
- Overdue girvi tracking — Live dashboard showing all overdue girvi accounts with days overdue, outstanding amount, and last contact date
- Naulakha / repledge management — Track re-pledging of customer gold at banks — record bank rate, customer rate, and calculate the spread (faida)
- Financial reports — Daily cash book, monthly income statement, girvi register (pledge register) in prescribed format for state licence compliance
- Multi-branch support — Manage multiple girvi dukan branches from one centralised system
How Girvi Software Works — Step by Step
| Step | Action | What Software Does |
|---|---|---|
| 1 | Customer brings gold (सोना लाना) | Retrieves existing customer KYC or captures new KYC with photo and Aadhaar |
| 2 | Gold weighing & testing (तौल और परीक्षण) | Records weight in grams, karat purity, number of items — calculates market value using today's gold rate |
| 3 | Loan amount agreed (राशि तय करना) | Calculates maximum eligible loan at configured LTV%, displays amount to staff |
| 4 | Girvi receipt printed (रसीद छपाई) | Prints professional girvi receipt in Hindi with all loan terms — customer and shop copies |
| 5 | Monthly interest collected (ब्याज वसूली) | Auto-calculates interest daily; sends SMS reminder 7 days before due date |
| 6 | Gold returned on repayment (सोना वापसी) | Records repayment, prints closure receipt, marks girvi as closed |
State-wise Girvi Regulations — Hindi Belt
| State | Governing Act | Local Name | Key Requirement |
|---|---|---|---|
| Rajasthan | Rajasthan Pawn Brokers Act, 1969 | गिरवी (Girvi) | Annual licence from District Collector; pledge register in prescribed format |
| Uttar Pradesh | UP Pawn Brokers Act, 1969 | गिरवी / रेहन (Rehan) | State-notified interest ceiling; Form 7 register mandatory |
| Madhya Pradesh | MP Money Lenders Act | गिरवी (Girvi) | Money lender licence covers girvi operations |
| Gujarat | Gujarat Money Lenders Act, 1946 | ગીરવે (Girve) | Mamlatdar issues licence; interest ceiling applicable |
| Bihar | Bihar Money Lenders Act, 1974 | गिरवी (Girvi) | District-level registration; pledge book maintenance |
| Haryana / Punjab | Punjab Regulation of Pawn Brokers Act, 2016 | गिरवी (Girvi) | Modern act with Aadhaar KYC requirements |
Why Girvi Dukan Operators Need Software
Many girvi operators in North India still run on paper ledgers (बही-खाता). While this works for 10–20 active loans, it becomes a serious operational problem at 50+ loans — manual interest calculation errors, missed follow-ups, and incomplete records create financial losses and compliance risks.
Girvi software eliminates all of these problems:
- Interest calculated automatically for every account — no manual math errors
- Automated SMS reminders reduce overdue accounts without any staff effort
- Hindi girvi receipts look professional — building customer trust
- Digital KYC records are instantly searchable — no more flipping through registers
- State-compliant pledge and release registers generated automatically
- Daily cash book and monthly income report — instant, accurate, no manual compilation
Try FinAccSaaS Girvi Software — Free Demo
Hindi girvi receipts, automated SMS, interest calculation, repledge tracking — built for Hindi belt pawn brokers.