Weigh the ornaments. The loan amount suggests itself.
Girvi
Every pledge and its interest, counted for you.
From ₹399/month · 15 days free, no card
Get the highlights.
Interest that counts itself. Release, part-pay or top up.
Every loan, its weight and its interest, in one list.
Your whole loan book, and how safe it is.
A photo of every item, on the receipt.
Due dates remind themselves on WhatsApp.
Every girvi action.
Your girvi book, always current.
Every pledge, every payment and every top-up lands in one book that keeps itself up to date. You see how much is out, the interest it has earned and who your biggest borrowers are, without opening a register. Each borrower has an account of their own, so their history is one tap away.
Made for a girvi counter.
Your interest, your way. Simple or compound, compounding daily to yearly, on the day count you use.
A ledger per borrower. Every girvi, payment and top-up for one person, in one account.
Loan-to-value at a glance. Each loan shows the jewellery's value and what share of it you've lent.
Re-pledge to a funder. Transfer girvis to a funder at their rate, and track your margin on them.
Limits you set. A minimum and maximum loan, and an estimate % for the suggested amount.
A receipt worth keeping. Print or PDF the girvi receipt from the same templates as your bills.
Meet the interest.Worked out.Every day.Never on a calculator.
Open any girvi and the interest so far is already there, to the day, at the rate you agreed. Release it and the settlement is ready before the customer has finished counting.
Penalty interest isn't added automatically.There's no one-tap renewal yet.
Interest so far · 30 days₹1,366simple · 21% p.a.
₹79,128 lent₹80,494 due
Your data is private property.
24K keeps your shop's records with you, and decides who at the counter sees what. The licence is the only thing that talks to us.
On your own computer. On the desktop app, bills, girvi, khata and stock are stored on the shop's PC. Billing carries on with the internet down.
Staff see only their part. The owner signs in with a password, staff with their own PIN, and each role opens only the screens it needs.
Backups you own. Back up to your own Google Drive, in a private folder only 24K can read on your behalf. Nobody else has a copy.
A licence, not your ledger. The only thing 24K checks with our servers is that your plan is active. Your customers, rates and totals are never sent.
Questions? Answers.
Is the interest rate per month or per year?
Per year (% p.a.). 24K works out the interest to the day from that rate, simple or compound, whichever you choose for the loan.
Can a customer pay part of the loan?
Yes. Take any amount on any day as a part payment or interest-only payment, and the balance updates itself.
Can I renew a girvi?
Not as one step yet. You can take the interest as a payment and keep the loan running, or top it up.
Does 24K handle auctions?
No. It shows which loans are due and overdue and reminds borrowers; what you do with an overdue pledge is up to you.
Can I transfer girvis to a funder?
Yes. Transfer one or more girvis to a funder at their own rate; 24K tracks what you owe them and your margin.
Do borrowers get reminders?
Yes, on WhatsApp or SMS through your own account — sent by you with one tap, or automatically each morning before, on and after the due date.
Your next girvi, in seconds.
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