Pledge management software for gold pledge loans

Take a gold pledge, keep every ornament on record, collect interest, take part payments and release the pledge with the exact amount due. 2Dot Loan Manager works offline, in Tamil and English.

Also known as: pledge management system, pledge management app, pledge management application

Pledge management software in Tamil

A pledge is the security a customer leaves against a loan, most often gold or silver ornaments. From the day it is received to the day it is released, the lender has to know exactly what was pledged, its weight and value, how much was lent against it, and what interest has been paid and is still due.

Pledge management software keeps that pledge register for you. 2Dot Loan Manager records each pledge ornament by ornament with photos, works out interest month by month, takes part payments, lists overdue pledges, prints warning and auction notices, and tracks pledges you repledge to a bank. It suits pawn shops, gold loan shops and gold finance companies alike.

The life of a pledge in the software

• Receive the pledge: Pick or add the customer, list each ornament with gross weight, net weight and value at your rate per gram, and capture customer, ornament and proof photos.
• Set the loan: Choose the amount, the interest rate and whether interest is paid in advance or later. A pledge number is given automatically and the pledge receipt prints.
• Collect interest: Pending interest is listed per pledge. Take it in full or in part, in cash or UPI, and print the interest receipt.
• Take part payments: Reduce the principal on a pledge at any time. Interest is recalculated on what remains.
• Follow up overdue pledges: Overdue pledges are found automatically. Send SMS reminders and print warning notices after 3 months and auction notices after 6.
• Release the pledge: Close the loan with interest up to the day, print the closing bill and return the ornaments.

What pledge management covers

• Pledge register: Every pledge with its ornaments, weights, value, loan amount, interest and status, searchable by customer, pledge number or mobile.
• Gold and silver pledges: Both are supported, with their own rates per gram and interest settings.
• Photos and proof: Customer, ornament and proof photos are stored with the pledge.
• Repeat pledges: A customer's earlier pledges and payment history are on one screen when they pledge again.
• Bank repledge: Repledge ornaments to a bank and track the bank's interest due, payments and repledge profit.
• Pledge reports: Open, closed, overdue and ageing pledges, ornament stock and gold value against amount due, exportable to Excel and PDF.

Related

• loan manager
• gold loan management software
• pawn broker software
• jewel loan management software
• Pawn broker software in Tamil (தமிழ்)

Frequently asked questions

What is pledge management software?

It is software that records loans given against pledged ornaments. It keeps each pledge ornament by ornament, calculates interest, takes part payments, tracks overdue pledges, prints receipts and notices, and handles the closing and release.

Is this gold pledge software?

Yes. Gold pledges are the main use, and silver pledges are supported with their own rates. Pawn shops, gold loan shops and gold finance companies all use it to manage gold pledges.

Is pledge software the same as pawn broker or gold loan software?

Yes. A pledge loan, a gold loan, a jewel loan and pawn broking all mean lending against ornaments, and 2Dot Loan Manager handles all of them.

Can I record pledges with several ornaments?

Yes. A pledge can hold any number of ornaments, each with its own gross weight, net weight and value, plus photos.

Does it print pledge receipts and notices?

Yes. Pledge, interest, part payment and closing receipts print on A4 or thermal printers in Tamil and English, and warning and auction notices print in bulk or save as PDF.

Is pledge software available in Tamil?

Yes. 2Dot Loan Manager works in Tamil and English, which is how many shops search for it as adagu kadai software (அடகு கடை மென்பொருள்). You can type Tamil on an English keyboard and print bilingual receipts. See the Tamil page for details.

What is the price of pledge management software?

2Dot Loan Manager starts from ₹14,999 for a single-shop offline version, a one-time purchase. Cloud access and multi-branch plans cost more. Free installation help and small customizations are included. The 2Dot Complete Business Suite, with gold loans, term loans, personal loans, deposits and HRMS, is ₹30,000 one-time plus ₹5,000 a year AMC.

Does it work without internet?

Yes. Core work runs offline on your own PC with your data stored there, so the counter keeps working when the connection drops.

Is there a pledge management system or app?

Yes. 2Dot Loan Manager is a pledge management application you install on your PC, and it works offline. The online plans add cloud sync, backup, and access from mobile and other devices.

Contact 2Dot Solutions in Karaikal