Schemes and services that run themselves
Enrol customers in savings schemes, collect instalments at the counter or online, send reminders, and redeem at maturity. Repairs and girvi loans are tracked from ticket to collection.
Savings schemes
Monthly gold or cash schemes with bonus instalments, due lists and maturity redemption.
Repairs
A ticket for every repair, with the piece, the work, the karigar and the promised date.
Girvi and digital gold
Gold loans with interest and digital gold balances, each with its own receipts.
How it connects
Schemes & services shares one set of data with the rest of E-Ratna, so nothing is typed twice.
- Retail counter (POS)Fast counter bills, old-gold exchange and every way to pay, on one screen.
- CRM & follow-upsLeads, customers and reminders, so no enquiry and no anniversary is missed.
- Accounts & financeEvery sale and purchase posts to the ledgers on its own. P&L, balance sheet and cash in one click.
- Dashboard & reportsA live view of sales, stock value, money owed and metal position the moment you sign in.
Schemes & services: common questions
Can customers get WhatsApp reminders?
Yes. Due instalments can be sent as WhatsApp or email reminders.
Is interest worked out for girvi?
Yes. Interest is calculated on the loan for the days it has run.
Does a scheme redemption go to the bill?
Yes. The scheme balance is used as payment on the jewellery bill.
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