For many Indian jewellers, girvi (lending against pledged ornaments) is a core part of the business — and often the most painful to track on paper. Girvi software turns that dog-eared register into a clean, searchable, per-borrower ledger.

Every loan, fully tracked

24KaratSolutions records each pledge loan with principal, interest rate (per annum), the pledged ornament and its weight/purity, plus a running history of top-ups and interest payments. You always know exactly who owes what and against which item.

Interest that's calculated correctly

Interest is computed on the outstanding principal at your configured annual rate — no manual maths, no disputes. Overdue interest is flagged so nothing slips through.

Clean accounting behind the scenes

Girvi principal posts to a per-borrower sub-ledger and integrates with your double-entry accounts, so your books always tie out. It's part of the same offline app that handles your billing and stock.

Keep your book private

Girvi data is sensitive. With 24KaratSolutions you choose where it lives: fully offline in an encrypted database on your own PC, or in your own private, encrypted space on the secure online database — never mixed with anyone else's data. Start your free trial.