Gold Loan Management System For Multi-Branch Gold Finance Operations
GoldLoan Pro is a gold loan management software built on Odoo - purpose-designed for gold finance companies and jewellery lenders to monitor tiered LTV limits against the live gold rate, track every pledged packet from appraisal to vault, and process renewals only after accrued interest is cleared.
Gold Loan Management SystemFor Multi-Branch Gold Finance Operations
GoldLoan Pro is a gold loan management software built on Odoo - purpose-designed for gold finance companies and jewellery lenders to monitor tiered LTV limits against the live gold rate, track every pledged packet from appraisal to vault, and process renewals only after accrued interest is cleared.
Who It's
Designed For
Gold Finance Company Director
Manages a loan portfolio worth ₹50–200 crore across 5–10 branches and cannot see - without calling each branch - how many accounts have crossed the RBI LTV limit after today's gold rate movement, how much overdue interest is outstanding, or which branch has the highest NPA risk.
Compliance & Regulatory Manager
Tracks RBI tiered LTV compliance across thousands of loan accounts manually - checking the 85% limit for sub-₹2.5 lakh loans, 80% for ₹2.5–5 lakh, and 75% above - without a system that monitors these thresholds automatically when gold prices change.
Gold Appraiser / Loan Officer
Records gold appraisal weight, purity, karat, and karatmeter reading on a paper slip that is attached to the loan file - with no digital linkage between the appraisal record and the loan account, making discrepancy checks during audits a manual exercise.
Vault & Gold Packet Supervisor
Tracks gold packets in vault positions using a handwritten locker register per branch - with no consolidated view of how much gold (by weight) is held across all branches, and no system alert when a packet's LTV breaches the RBI threshold post-appraisal.
Finance & Collections Manager
Processes renewals and repledges without enforcing interest clearance first - because there is no system-level block preventing a renewal on an account with unpaid interest, creating compounding overdue balances that become NPA accounts months later.
LTV compliance is checked only at loan origination — not monitored daily as gold rates moveaccounts that breach the RBI tiered LTV limit are discovered at audit, not before the breach occurs.
Gold appraisal weight, purity, and karatmeter reading are recorded on a paper slip at the counterduring an audit, matching the physical packet to its appraisal record requires searching a physical file archive.
Renewals and repledges are processed without checking whether accrued interest has been clearedunpaid interest rolls into a renewed loan and compounds silently until the account becomes a default.
Branch-wise gold packet vault inventory is tracked in a physical register per locationthe total gold held across all branches — weight, value, and LTV position — is never visible in one place.
Auction notices are prepared manually one account at a time when tenures expirethe 30-day statutory notice period is tracked informally, and missed auction timelines create regulatory exposure.
Challenges
Gold Finance Businesses Face
Challenges
Gold Finance Businesses Face
LTV compliance is checked only at loan origination — not monitored daily as gold rates moveaccounts that breach the RBI tiered LTV limit are discovered at audit, not before the breach occurs.
A Ready-To-Deploy Gold Loan Management SystemTiered-LTV monitored, appraisal-linked, vault-trackedWithout manual compliance checks, paper slips, or LTV surprises
Capabilities
& Modules
1
Tiered LTV Engine With Daily Gold Rate Monitoring
2
Digital Appraisal Record Linked to Loan Account From Counter
3
Renewal & Repledge Block Until Interest Clearance
4
Multi-Branch Gold Vault Tracker With Packet-Level Inventory
Business
Outcomes
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How
It Works
Your appraiser receives the customer's gold items and opens a new appraisal entry in GoldLoan Pro — items listed individually with weight, karat, purity reading from the karatmeter, and a photo. A packet barcode is printed before the customer signs the pledge agreement.
GoldLoan Pro applies the correct RBI 2026 tiered LTV to the appraised gold value — 85%, 80%, or 75% depending on the loan amount bracket. The maximum sanctionable amount is shown automatically. The system generates the loan agreement and KYC checklist.
Recent GoldLoan Pro
Deployment Results
Implementation
Roadmap
DAY 1–2
System Configuration & Loan Portfolio Migration
DAY 3–5
Team Walk-Through & First Live Transactions
DAY 7
Full Portfolio Live in GoldLoan Pro
DAY 1–2
System Configuration & Loan Portfolio Migration
DAY 3–5
Team Walk-Through & First Live Transactions
DAY 7
Full Portfolio Live in GoldLoan Pro
Works With
Your Ecosystem
Frequently Asked
Questions
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