Pawn broker and gold loan management software

2Dot Loan Manager is pawn broker, gold loan and jewel loan software. Pledges, interest, deposits, EMI loans, personal loans and payroll in one offline desktop app, in English and Tamil. Trusted by 50+ clients across 20+ districts.

Loan management modules

Pledge management

Create, view, modify and close gold and silver pledges with ornament valuation, auto IDs, photo capture, interest setup and bank assignment.

• Multi-ornament pledges
• Webcam photo capture
• Auto loan calculation
• Repeat loan tracking

Interest management

Flexible collection with simple and compound modes, prepaid and postpaid options, and pro-rated calculations for early closures.

• Simple and compound interest
• Prepaid and postpaid modes
• Overdue tracking and SMS
• Bulk SMS reminders

Customer management

One customer database with Aadhaar, mobile, photo and the full payment history across every pledge.

• Duplicate detection
• Full payment history
• Printable statements
• Smart search and filter

Reports and analytics

More than 50 reports across pledges, interest, EMIs, expenses, ornament inventory, ageing and financial summaries.

• Excel and PDF export
• Date range presets
• Bank-wise reports
• Ornament inventory

Accounting and day book

A complete daily cash register with opening and closing balance, manual adjustments and a running balance.

• Running balance
• Color-coded transactions
• Ledger per customer
• Daily summary export

Notice generation

Overdue pledges are identified automatically, and compliant warning and auction notices are ready to print in bulk.

• Warning notices (3+ months)
• Auction notices (6+ months)
• Bulk print and PDF
• SMS notification

Receipts and printing

Customisable receipts for pledges, interest, part payments and closures on standard or thermal printers.

• Thermal printer support
• Bilingual labels
• Custom terms
• Shop logo and signature

Security and access

Admin and Staff roles, granular permission flags, OTP verification and an audit trail for every action.

• Role-based permissions
• Audit trail
• OTP for closures
• Staff management

Bank repledge and savings banks

Repledge ornaments to banks, track bank interest due and payments, and keep savings bank deposits, withdrawals and statements.

• Bank repledge
• Bank interest due
• Savings bank statements
• Repledge profit report

Deposits, term loans, personal loans and HRMS

Deposit management: Money you borrow from investors

The opposite of a loan. The shop takes money from investors and pays them interest, to fund the lending business and to track what it owes each investor.

• Fixed Deposit: One lump sum for a fixed term, with a maturity date.
• Recurring Deposit: A fixed instalment each month. Each earns interest from the day it was paid, so a late one earns less and a missed one earns nothing.
• General Deposit: Open-ended with no maturity date. The investor can add or withdraw money at any time.
• Daily simple interest: Rate ÷ 365 per day, from the day money is received until maturity or withdrawal. The rate is fixed when the deposit opens.
• Payouts and closure: Cumulative, monthly or quarterly, or paid in advance. Premature closure uses a reduced rate (default penalty 1%) and deducts interest already paid.
• Audit and accounts: Every change needs a reason and is recorded. Deposits feed the day book, trial balance and bank statement, with interest as an expense and principal as money owed.

Reports and dashboard show totals received, repaid and interest paid for any period, plus upcoming maturities.

Term loans (EMI): Fixed-schedule instalment loans

A normal instalment loan. The customer borrows a fixed amount and repays it in equal monthly instalments over a set number of months. Use it for vehicle, asset or business loans, where there is no gold pledge and the repayment schedule is fixed.

• Set up: Enter the customer, principal, annual rate, months and asset type. The EMI is calculated for you.
• Payout details: Record the processing fee, the cash and UPI split, and remarks. Asset photos can be attached.
• Due dates: One per month from the loan date. A loan dated the 31st does not skip a month.
• Pay EMI: Pay one instalment or several in advance, each recorded against its instalment number and due date.
• Pending and paid EMIs: See what is due or overdue, with an optional late penalty rate, and report collections by date range or customer.
• Closing and audit: A closed loan stays in Closed Term Loans. Edits and deletions are logged.

Unlike a pledge loan, the schedule is fixed up front. There is no gold, no interest-period calculation and no auction or closing-interest logic.

Personal loans: Unsecured, repaid like a pledge

A loan with no collateral, given on trust to a known customer. It is set up like a term loan, with an amount and an interest rate and no ornament entry, but repaid like a pledge loan. The customer pays interest when they can, pays the principal down in part payments and closes the loan when they settle in full. There is no fixed EMI.

• Same repayment screens: Interest payment, part payment and closing work as they do for pledges, with the same interest and closing calculations.
• Entry screen: Customer details, photo, up to 3 proof documents, amount, interest rate and processing fee. No ornaments.
• What it was lent against: Optionally record it, for example a vehicle, property or jewel, without entering ornaments one by one.
• Settings: Control the loan number prefix, default interest rate and mode, processing fee, header text, an optional jewel field and an optional nominee field.
• Personal-only shops: An option hides the pledge-only menus for shops that run personal loans only.
• Lists and accounts: Recent and search screens list personal loans separately. They appear in the day book and profit report along with pledges.

It is stored as a pledge with loan type Personal, so every report that understands pledges understands personal loans.

HRMS and payroll: Staff, attendance and salary

Payroll and staff management for a small shop. It records who works there, who was present each day, who took leave and what each person is paid each month. It does not do punch in and out, PF or ESI, tax, departments or reporting managers.

• Employees: Profile with photo, documents, bank details, joining date, designation and salary history. Existing staff logins are imported automatically.
• Attendance: One status per person per day: present, absent, half day, paid or unpaid leave, weekly off or holiday. Off-day work can be paid extra, taken as a comp-off or ignored.
• Leave: A yearly quota per leave type. Days beyond the balance are treated as unpaid.
• Salary advances: Recovered automatically through payroll, in instalments or in full when the person leaves. Pay never goes below zero.
• Payroll and slips: One line per employee per month, from Draft to Approved to Paid. Approval locks the month, and salary slips are printable.
• Privacy and accounts: Salary, bank details and documents are hidden without permission. Salaries and advances flow into the day book, trial balance and profit report.

Staff always see their own data.

Run every branch from one place.

Add branches as your business grows. Each branch keeps its own separate data, and you switch between them or search across all of them in one click.

• Branch switcher: Move between branches from the sidebar without logging out.
• Separate data per branch: Each branch has its own loans, customers and accounts, kept apart.
• Cross-branch search: Find a customer or loan across every branch from one search.
• Branch-wise reports: Reports and dashboard figures for each branch, plus a centralised view.

Free customization

Free additional customization is included up to a sensible level, such as receipt layouts, labels, terms and notice wording.

Pricing

• Local Offline: from ₹14,999. For single-branch gold loan shops that want a fully offline, one-time purchase.
• Cloud Online: from ₹18,999. Everything in Local Offline plus cloud sync, remote access and automatic cloud backup.
• Multi-Branch: from ₹18,999 + 10,000 per branch. For businesses running two or more branches with centralised reporting.

Frequently asked questions

Does the software work in both online and offline modes?

Yes. Core operations run fully offline with no internet dependency.

Can the software be used on mobile devices?

Yes. It can be accessed on mobile, desktop and multiple devices.

Is multi-branch support available?

Yes. You can manage several shop branches from a single platform, each with an isolated database.

Can it calculate daily and monthly interest?

Yes. Daily, monthly and fully customisable interest schemes are supported.

Is my data secure?

Customer and business data is kept securely with backup support to prevent loss.

Can old manual entries be imported?

Yes. Existing manual entries can be imported based on your requirements.

Is SMS reminder functionality available?

Yes. SMS integration can notify customers about their loan dues.

Does it support bank repledge?

Yes. Bank repledge management is fully included.

Is a free demo available?

Yes. A free demo and a 7-day trial version are available before you commit.

How is installation done?

Our team handles installation and setup remotely at your convenience.

Is it a lifetime license or a yearly subscription?

Both are available. You choose the plan that suits your business.

Will I get technical support?

Yes. Dedicated technical support and customer assistance are provided.

Is automatic backup available?

Yes. Automatic backup options keep your data safe at all times.

Is Tamil supported?

Yes, including transliteration input so you can type Tamil on an English keyboard.

Can I create multiple user logins?

Yes. Multi-user access with individual credentials is fully supported.

Are loan closing and part payment included?

Yes. Both modules are included for the complete loan lifecycle.

Can auction notice reports be generated?

Yes. They can be generated quickly from within the software.

What is pawn broker software?

Pawn broker software records pledged items such as gold and silver ornaments, calculates loans and interest, tracks payments and closures, and prints receipts and notices. 2Dot Loan Manager does this for pawn brokers and gold loan shops.

Is this gold loan management software or jewel loan software?

Both. Gold loan, jewel loan and pawn broking all describe lending against ornaments, and 2Dot Loan Manager handles all of them, including silver.

How are personal loans different from term loans?

A term loan has a fixed EMI schedule, with equal monthly instalments over a set number of months. A personal loan has no schedule: the customer pays interest when they can, pays the principal down in part payments and closes the loan when they settle in full.

What kinds of deposits does it manage?

Fixed Deposits (a lump sum for a fixed term), Recurring Deposits (a monthly instalment) and General Deposits (open-ended, add or withdraw any time). Investors are kept in a register separate from loan customers.

How is deposit interest calculated?

Simple interest at an annual rate, worked out per day (rate ÷ 365), from the day money is received until maturity or withdrawal. The rate is fixed when the deposit opens. Payouts can be cumulative, monthly or quarterly, and premature closure uses a reduced rate.

What does the HRMS module cover?

Employee records, daily attendance, leave quotas, salary advances, monthly payroll with approval and printable salary slips. It does not do punch in and out, PF or ESI, tax, departments or reporting managers.

Do deposits, term loans, personal loans and HRMS feed the accounts?

Yes. They flow into the day book, trial balance and profit report. For example, deposit interest paid is an expense while the deposit principal is money owed, and a salary advance is not an expense until it is recovered.

Is 2Dot Loan Manager an ERP?

It covers the back office of a lending business: loans, accounting, day book, deposits, HRMS and reports. For retail billing and stock, use 2Dot Billz.

Is customization included?

Yes. Free additional customization is included up to a sensible level, such as receipt layouts, labels, terms and notice wording. Larger requirements are discussed case by case.

Contact 2Dot Solutions in Karaikal