Best Gold Loan Management Software in Tamil Nadu

Live Gold Rate & Valuation Master

Configure daily per-gram gold rates for 18K, 20K, 22K, and 24K purity. Automatic gross weight, stone/bead weight deduction, net gold weight calculation, and maximum eligible loan limit enforcement as per RBI 75% LTV cap.

• Gross vs Net ornament weight calculator
• Ornament HD photo capture & digital appraisal voucher
• Custom purity karat matrix (18K to 24K)

Strongroom Vault & Barcode Packet Tracking

Assign unique barcode and QR codes to pledged gold tamper-evident pouches. Dual-custodian OTP lock authorization, safe deposit locker location tagging (Tray/Locker/Rack), and automated daily vault inventory audits.

• Barcoded gold pouch tracking & locker placement
• Dual-key OTP access control for gold packet release
• Inter-branch gold packet transfer & audit register

Flexible Interest Slabs & Repayment Schemes

Support simple interest, monthly compound, daily interest, bullet repayment, step-up interest slabs based on loan tenure (3 months, 6 months, 12 months), partial principal payment, and instant loan top-up / re-pledge.

• Tenure-based interest rate slab automation
• Partial payment interest re-calculation engine
• Instant Gold Loan Top-Up & Re-Pledge workflow

Tamil WhatsApp & Bluetooth Thermal Print

Send instant pledge receipts, interest due alerts, and payment acknowledgments in clear Tamil script via WhatsApp and SMS. Print compact pledge receipts on wireless Bluetooth thermal printers right at your counter.

• Automated Tamil & English WhatsApp payment notifications
• Support for 2-inch & 3-inch Bluetooth thermal printers
• Digital PDF pledge voucher with customer signature

Public Gold Auction & Legal Notice Workflow

End-to-end overdue gold loan tracking, 30-day legal notice generation in Tamil & English, registered post dispatch tracker, newspaper auction advertisement register, auction surplus refund ledger, and RBI statutory auction compliance.

• 30-day legal notice auto-generator with RPAD tracking
• Public auction bidder registration & bid tally sheet
• Auction surplus/deficit accounting ledger as per RBI norms

RBI Compliance, CKYC & Cash Limit Verification

Built-in Income Tax Section 269ST cash disbursement cap enforcement, Aadhaar e-KYC / PAN verification, Central KYC (CKYC) batch upload, Anti-Money Laundering (AML) high-value transaction alerts, and complete double-entry accounting.

• Sec 269ST cash limit warning & bank transfer integration
• Biometric Aadhaar & PAN instant KYC verification
• Integrated Day Book, Cash Book, Trial Balance & Profit/Loss

Serving Gold Lenders Across All 38 Districts of Tamil Nadu

Whether running retail pawnbroking shops in rural taluks or enterprise multi-branch NBFC networks in major urban centers, AMY Fintech delivers localized gold loan software tailored to regional borrower patterns.

Watch AMY Fintech Gold Loan Software in Action

Experience how our cloud software enables instant 3-minute gold loan disbursal, pouch barcoding, Tamil WhatsApp receipts, and multi-branch control.

⚡ 3-Minute Fast Disbursal

Streamlined counter entry with instant gold weight deduction, LTV calculation, and instant cash / UPI / IMPS payout.

🛡️ 100% Vault Packet Audit

Barcoded tamper-evident pouches, tray locker tagging, dual OTP authorizations, and physical audit logs prevent internal fraud.

📱 Android Field App & Bluetooth Print

Empower staff and field agents to collect monthly interest, print thermal receipts, and send instant Tamil WhatsApp receipts.

🔒 100% RBI & Income Tax Compliant

Automatic 75% LTV capping, Section 269ST cash limit compliance, CKYC registry batch uploads, and automated public auction legal notices.

Q1: How does AMY Fintech software calculate net gold weight and LTV capping?

Our software features an automated gold appraisal calculator. Upon entering the gross ornament weight, the appraiser inputs stone/bead deductions to derive the net gold weight. The system applies the configured purity (18K, 20K, 22K, 24K) and daily gold rate to automatically calculate the maximum eligible loan amount up to the RBI mandated 75% LTV limit.

Q2: Can we send automated Tamil payment receipts and WhatsApp reminders?

Yes! AMY Fintech includes built-in Tamil WhatsApp and SMS gateway integration. Whenever a customer pledges gold, pays monthly interest, or closes a loan, the software automatically sends a digital receipt in Tamil script along with PDF download links directly to their mobile number.

Q3: How are overdue gold loans and public auctions managed in the software?

The software tracks loan maturity dates and automatically flags overdue accounts. It generates 30-day legal auction notices in Tamil & English with RPAD tracking numbers, records newspaper advertisement publication dates, manages public auction bidder registries, and logs auction surplus refunds or deficit recovery ledgers as per RBI guidelines.

Q4: Can we manage multiple gold loan branches across different cities in Tamil Nadu?

Yes! The platform provides a centralized Head-Office dashboard that connects all branch locations across Chennai, Coimbatore, Madurai, Salem, Trichy, etc. Head-Office executives can monitor live gold rate settings, branch vault balances, staff permissions, and real-time cash flow ledgers from anywhere.

Q5: How can we request a live demo or migrate existing pawn broker data?

You can request a free live demo by calling +91 7339446882 or messaging us on WhatsApp. Our technical team provides complete data migration assistance from legacy desktop software or manual registers without interrupting your daily business operations.