# Girvi Management > Girvi Management Software (girvimanagement.com, by SAER Technologies Pvt. Ltd., part of OneLedger) is cloud and Android software for Indian jewellers and pawn brokers who give gold and silver loans (girvi). It calculates interest automatically, tracks pledged items and lockers, prints GST receipts, sends SMS/WhatsApp reminders and gives audit-ready reports. There is a free 30-day trial; the yearly plan is ₹17,000 + GST (15 months). - Category: girvi (pawn) and gold loan management software for jewellers in India - Platforms: web (any browser), Android app and Windows app (offline mode); branches with a switcher; Hindi and English - Main modules: girvi bills, interest schemes (monthly, daily, weekly, 15-day slab, 1 month compulsory, compound after N months, custom), part payment, top-up, renewal, partial release, closure, unsecured loans, bank/vendor locker (re-pledge), customers with Aadhaar & photos, receipts, SMS/WhatsApp messages, day book, ledgers, 20+ reports - Pricing: free 30-day trial; 1-year Girvi plan ₹17,000 + 18% GST (12 + 3 months free); Girvi + Jewellery plan ₹35,000 + GST - Sign-up and login happen on oneledger.in (OneLedger platform) - Support: phone / WhatsApp +91 85276 19562, contact@saertechnologies.com ## Contact and sign-up - Product: Girvi Management Software - Company: SAER Technologies Pvt. Ltd. - Phone / WhatsApp: +91 85276 19562 - Email: contact@saertechnologies.com - Office: 1st Floor, Shop no 50, Malviya Nagar, Jaipur, Rajasthan 302017 - Website: https://jewellerymanagement.com.rviing.com - Free trial / sign up: https://oneledger.in/manager/account?software_type=girvi - Book a free demo: https://jewellerymanagement.com.rviing.com/get-a-free-demo - Pricing: https://jewellerymanagement.com.rviing.com/pricing ## Main pages - [Home](https://jewellerymanagement.com.rviing.com/): Girvi Management Software for jewellers & pawn brokers: automatic interest, pledge & locker tracking, GST receipts, SMS reminders and audit-ready reports. Free 30-day trial. - [Pricing](https://jewellerymanagement.com.rviing.com/pricing): Simple yearly plans with a free trial. Prices in ₹, GST extra. - [Book a free demo](https://jewellerymanagement.com.rviing.com/get-a-free-demo): Get A Free Demo of the Girvi Management Software | Girvi Management - [Contact us](https://jewellerymanagement.com.rviing.com/contact-us): Need help with Girvi Management Software? Contact our support team for queries, demos, or assistance in managing pawn broking and loan tracking efficiently. - [About us](https://jewellerymanagement.com.rviing.com/about-team): Learn about the vision, mission, and passionate team powering Girvi Management Software. We're dedicated to simplifying pawn broking and loan tracking for businesses. - [Blog](https://jewellerymanagement.com.rviing.com/blogs): Stay updated with expert insights on gold loan management, financial planning, and loan repayment strategies. Read the latest blogs on Girvi Management to make informed financial decisions. - [Articles](https://jewellerymanagement.com.rviing.com/articles): Explore in-depth articles on gold loan management, financial strategies, and loan repayment tips. Stay informed with expert insights from Girvi Management to make smarter financial decisions. - [Features](https://jewellerymanagement.com.rviing.com/features): See what you get in the demo: each module, step by step, the way your staff will use it. - [Interest schemes](https://jewellerymanagement.com.rviing.com/interest-schemes): Monthly, daily, 15-day slab, 1 month compulsory, compound after 11 / 12 months and more — set once, applied on every girvi. - [Girvi bill](https://jewellerymanagement.com.rviing.com/girvi-bill-software): Customer, items with photos, purity and weight, scheme and rate — then print the girvi receipt. Here is exactly how it works. - [Interest calculation](https://jewellerymanagement.com.rviing.com/girvi-interest-calculation): The software works out interest from the bill's own scheme — monthly, daily, 15-day slab, minimum months or compound — the moment the customer comes. - [Free templates](https://jewellerymanagement.com.rviing.com/free-templates): Download free Excel and PDF templates for your girvi shop — with formulas that already work. No sign-up needed. ## Free calculators (no login) - [GST calculator](https://jewellerymanagement.com.rviing.com/gst-calculator): Add or remove GST on any amount — gold & silver jewellery 3%, making charges 5% and other rates. - [Girvi interest calculator](https://jewellerymanagement.com.rviing.com/girvi-interest-calculator): Interest on a girvi from date to date — monthly or daily, 15-day slab, minimum months and compound interest. - [Gold loan calculator](https://jewellerymanagement.com.rviing.com/gold-loan-calculator): Loan amount from weight, purity, today's rate and LTV — for gold and silver. ## Interest schemes supported - Monthly (Most common): Interest = amount × rate % per month × months - 15 days slab (Half / full month): After full months, 15 days or less = ½ month - One month compulsory (Minimum interest): At least 1 month interest even if released early - Daily (Day-wise): Per-day rate = monthly rate ÷ 30 - Weekly, quarterly & yearly (Other periods): Weekly = rate ÷ 4, quarterly = rate × 3, yearly = rate × 12 - Compound after 11 / 12 months (Unpaid interest added): Unpaid interest is added to the principal after N months - Your own scheme (Fully custom): Duplicate any built-in scheme and change the rules - Part payment & top-up rules (Store-wide): When a top-up starts earning interest ## Guides and blog posts - [10 Benefits of Using OneLedger Girvi Management Software for Gold Loan Businesses](https://jewellerymanagement.com.rviing.com/blog/10-benefits-of-using-oneledger-girvi-management-software-for-gold-loan-businesses): Simplify your gold loan business with OneLedger Girvi Management Software. Discover the top 10 benefits of digitising customer records, pledged jewellery tracking, interest calcula... - [How SMS Reminders Reduce Outstanding Girvi Payments by 30%](https://jewellerymanagement.com.rviing.com/blog/how-sms-reminders-reduce-outstanding-girvi-payments-by-30): Learn how SMS reminder systems in Girvi Management Software help jewellery shops reduce outstanding payments by up to 30%, improve customer follow-ups, and increase on-time collect... - [Gold Price Volatility & What It Means for Girvi Shops & Customers Today](https://jewellerymanagement.com.rviing.com/blog/gold-price-volatility-what-it-means-for-girvi-shops-customers-today): Gold price trends in India and their effect on girvi loans, business risk, and customer behaviour. - [How Digital Lending Platforms Are Changing India’s Girvi (Pawning) Business in 2025](https://jewellerymanagement.com.rviing.com/blog/how-digital-lending-platforms-are-changing-indias-girvi-pawning-business-in-2025): A practical guide on how digital tools are modernising India’s Girvi (pawning) industry—what’s changing, benefits for shop owners, and what customers gain. - [Why Mobile-Friendly Girvi Apps Are the Future of Pawn Broking?](https://jewellerymanagement.com.rviing.com/blog/why-mobilefriendly-girvi-apps-are-the-future-of-pawn-broking): Learn why mobile-friendly girvi apps are revolutionising pawn broking in 2025 with real-time access, digital payments, and enhanced customer experience. - [Customer Satisfaction & Retention Through Digital Girvi Tracking](https://jewellerymanagement.com.rviing.com/blog/customer-satisfaction-retention-through-digital-girvi-tracking): Discover how digital girvi tracking enhances customer trust, speeds service, secures data, and increases loyalty in the pawn (girvi) business. - [The Environmental Benefits of Going Paperless in Pawn Business](https://jewellerymanagement.com.rviing.com/blog/the-environmental-benefits-of-going-paperless-in-pawn-business): Learn how going paperless in the pawn (girvi) business cuts waste, saves money, boosts efficiency, and creates a positive environmental impact — all with the help of digital Girvi... - [How to Train Your Staff to Use Girvi Software Effectively](https://jewellerymanagement.com.rviing.com/blog/how-to-train-your-staff-to-use-girvi-software-effectively): Discover how to train your staff to use Girvi Management Software effectively with this step-by-step guide. Learn practical training strategies, compliance tips, and performance mo... - [Top 10 Benefits of Switching to Girvi Management Software](https://jewellerymanagement.com.rviing.com/blog/top-10-benefits-of-switching-to-girvi-management-software): Learn the top 10 benefits of switching to Girvi Management Software — from faster loan processing to better security and compliance. - [The Future of Girvi Management: AI, Automation & Security](https://jewellerymanagement.com.rviing.com/blog/the-future-of-girvi-management-ai-automation-security): Discover how AI, automation, and next-gen security will shape the future of girvi management, making pawn broking smarter, faster, and more secure. - [Why Small-Town Pawn Brokers Are Adopting Cloud-Based Solutions](https://jewellerymanagement.com.rviing.com/blog/why-smalltown-pawn-brokers-are-adopting-cloudbased-solutions): Small-town pawn brokers are embracing cloud-based Girvi Management Solutions to access data anywhere, speed up transactions, improve compliance, and compete with modern lenders. - [Girvi Business Trends in Rural India & Role of Technology](https://jewellerymanagement.com.rviing.com/blog/girvi-business-trends-in-rural-india-role-of-technology): Explore the emerging trends in rural India’s girvi business and how technology is making pawn broking faster, compliant, and more customer-friendly in 2025. - [How RBI Guidelines Affect Girvi (Pawn) Businesses & How Software Helps](https://jewellerymanagement.com.rviing.com/blog/how-rbi-guidelines-affect-girvi-pawn-businesses-how-software-helps): Discover how RBI guidelines affect pawn (girvi) businesses in India and how girvi management software simplifies compliance, ensures legal safety, and boosts operational efficiency... - [Best Girvi Management Solutions for Pawn Brokers in India](https://jewellerymanagement.com.rviing.com/blog/best-girvi-management-solutions-for-pawn-brokers-in-india): Explore the top girvi management solutions for pawn brokers in India in 2025. Learn key features, compare software options, and choose the right tool to boost efficiency, complianc... - [Customising Girvi Receipts & Loan Agreements in Your Software](https://jewellerymanagement.com.rviing.com/blog/customising-girvi-receipts-loan-agreements-in-your-software): Discover how to customise girvi receipts and loan agreements in your software for legal compliance, branding, and improved customer trust. Learn essential elements, benefits, and a... - [How to Send Automated Payment Reminders to Girvi Customers](https://jewellerymanagement.com.rviing.com/blog/how-to-send-automated-payment-reminders-to-girvi-customers): Discover how automated payment reminders in Girvi Management Software help pawn shops reduce overdue loans, improve cash flow, and build customer trust in 2025. - [Calculating Interest & Maturity Dates Automatically in Girvi Software](https://jewellerymanagement.com.rviing.com/blog/calculating-interest-maturity-dates-automatically-in-girvi-software): Learn how Girvi Management Software automates interest and maturity date calculations to eliminate errors, speed up billing, boost transparency, and improve cash flow. - [How to Migrate from Manual Girvi Registers to Digital Platforms](https://jewellerymanagement.com.rviing.com/blog/how-to-migrate-from-manual-girvi-registers-to-digital-platforms): Learn how to migrate from manual girvi registers to a digital platform — from choosing software and cleaning data to training staff, running parallel, going live, and optimising fo... - [Step-by-Step Guide to Setting Up a Girvi Management Software](https://jewellerymanagement.com.rviing.com/blog/stepbystep-guide-to-setting-up-a-girvi-management-software): Learn how to set up Girvi Management Software step-by-step — from choosing the right tool to configuring interest rules, migrating records, training staff, and going live — for fas... - [Managing Interest Calculations Made Easy with Girvi Software](https://jewellerymanagement.com.rviing.com/blog/managing-interest-calculations-made-easy-with-girvi-software): Discover how Girvi Management Software makes pawn shop interest calculations fast, accurate, and error-free. Automate loan processing, boost efficiency, and build customer trust. - [Why Your Pawn Shop is Losing Customers Without a Proper Girvi System?](https://jewellerymanagement.com.rviing.com/blog/why-your-pawn-shop-is-losing-customers-without-a-proper-girvi-system): Find out why pawn shops lose customers without a proper Girvi Management System — and how digital tools improve trust, speed, and service. - [How to Prevent Fraud in Pawn Transactions with Digital Tools](https://jewellerymanagement.com.rviing.com/blog/how-to-prevent-fraud-in-pawn-transactions-with-digital-tools): Discover how to stop fraud in pawn transactions with digital tools — including KYC verification, access control, and secure cloud records. - [5 Mistakes in Manual Girvi Record Keeping That Cost You Money](https://jewellerymanagement.com.rviing.com/blog/5-mistakes-in-manual-girvi-record-keeping-that-cost-you-money): Learn the top 5 mistakes in manual girvi record keeping that cost pawn brokers money and how software solves them. - [Common Problems Pawn Brokers Face & How Software Solves Them](https://jewellerymanagement.com.rviing.com/blog/common-problems-pawn-brokers-face-how-software-solves-them): Learn how Girvi Management Software helps pawn brokers overcome manual errors, compliance risks, and operational challenges in 2025. - [How Girvi Management Software Helps You Avoid Legal & Compliance Issues](https://jewellerymanagement.com.rviing.com/blog/how-girvi-management-software-helps-you-avoid-legal-compliance-issues): Learn how Girvi Management Software automates KYC, ensures RBI compliance, prevents fraud, and keeps your pawn shop audit-ready in 2025. - [From Ledger to Cloud: The Evolution of Girvi Record Keeping](https://jewellerymanagement.com.rviing.com/blog/from-ledger-to-cloud-the-evolution-of-girvi-record-keeping): Discover how the pawn industry evolved from manual ledgers to secure, cloud-based Girvi Management Software, transforming speed, accuracy, and profitability. - [How Digital Girvi Management Can Save Time & Increase Profits](https://jewellerymanagement.com.rviing.com/blog/how-digital-girvi-management-can-save-time-increase-profits): Learn how Digital Girvi Management Software can speed up loan processing, reduce errors, improve compliance, and increase your pawn shop profits. - [Top Features to Look for in a Girvi (Pawn) Management System](https://jewellerymanagement.com.rviing.com/blog/top-features-to-look-for-in-a-girvi-pawn-management-system): Learn the essential features to look for in a Girvi (Pawn) Management System to ensure accuracy, compliance, and efficiency in your pawn shop in 2025. - [What is Girvi Management Software & Why Your Pawn Shop Needs It in 2025?](https://jewellerymanagement.com.rviing.com/blog/what-is-girvi-management-software-why-your-pawn-shop-needs-it-in-2025): Girvi Management Software helps pawn brokers digitise records, automate interest calculations, improve compliance, and boost customer satisfaction — making it essential for 2025. - [Top 10 Features to Look for in a Girvi Management Software](https://jewellerymanagement.com.rviing.com/blog/top-10-features-to-look-for-in-a-girvi-management-software): Managing a Girvi (pawn) business efficiently requires more than just notebooks and spreadsheets. In today’s fast-paced world, Girvi Management Software has become an essential tool... - [Understanding Indian Gold Loan Policies: What Every Girvi Business Must Know](https://jewellerymanagement.com.rviing.com/blog/understanding-indian-gold-loan-policies-what-every-girvi-business-must-know): Learn about Indian gold loan policies, RBI regulations for Girvi businesses, and how digital Girvi Management Software helps you automate interest calculation, manage compliance, a... - [Gold Loan & Girvi Management: Top FAQs Answered for Indian Lenders](https://jewellerymanagement.com.rviing.com/blog/gold-loan-girvi-management-top-faqs-answered-for-indian-lenders): Confused about gold loan compliance or Girvi rules in India? This FAQ guide covers RBI norms, legal requirements, and the role of Girvi Management Software. - [Why Every Modern Pawn Business Needs Girvi Management Software](https://jewellerymanagement.com.rviing.com/blog/why-every-modern-pawn-business-needs-girvi-management-software): Girvi Management Software offers a comprehensive, cloud-based solution tailored for pawnshops, jewelers, and moneylenders. Effortlessly manage gold loans, automate interest calcula... - [Girvi Management: A Smart Approach to Pawnbroking Business](https://jewellerymanagement.com.rviing.com/blog/girvi-management-a-smart-approach-to-pawnbroking-business): Simplify your pawnbroking business with an automated Girvi Management System for better loan tracking, interest calculation, and customer management. ## Optional - [Terms and Conditions](https://jewellerymanagement.com.rviing.com/p/terms-and-conditions) - [Privacy Policy](https://jewellerymanagement.com.rviing.com/p/privacy-policy) - [Cookies Policy](https://jewellerymanagement.com.rviing.com/p/cookies-policy) - [Referral Program](https://jewellerymanagement.com.rviing.com/p/referral-program) - [Payment Policy](https://jewellerymanagement.com.rviing.com/p/payment-policy) - [Frequently Asked Questions (FAQ)](https://jewellerymanagement.com.rviing.com/p/frequently-asked-questions-faq) - [Cancellation & Refund Policy](https://jewellerymanagement.com.rviing.com/p/cancellation-refund-policy) - [Full details for AI assistants](https://jewellerymanagement.com.rviing.com/llms-full.txt): features, pricing, FAQs and contact in one file - [Sitemap](https://jewellerymanagement.com.rviing.com/sitemap.xml)