S SWARNA
One screen to pledge. A full ERP behind it.
Built for Tamil Nadu pawn brokers and gold finance houses. Valuation, interest, vault, auction, accounts and AI — with three clear licence plans.
1 screen Customer → jewels → LTV → print
3 clear plans Start / Pro / Enterprise
AI chatbot Allowlisted branch questions
Never overwrite Rates & payments stay immutable
Website pricing — features differ by plan
Choose the desk you actually run
Start is a single pawn shop. Pro adds branches, auction & accounts. Enterprise unlocks bank re-pledge + AI.
Traditional pawn shop
Swarna Start
₹Custom Price/ licence
Pawn desk for a single shop
Pawn desk for one shop
1 branch only
Super Admin, Cashier, Staff
One-page Easy Pledge
Customer + KYC + masked Aadhaar
Duplicate customer search
Gold & silver, hallmark / HUID
Daily gold rate (never overwritten)
Single-rate interest schemes
Auction lifecycle
Double-entry accounts
Multi-branch / vault chain
Bank re-pledge
WhatsApp Swarna Start
MOST POPULAR Gold finance company
Swarna Pro
₹Custom Price/ licence
Gold finance house with accounts & auction
Everything in Start, plus
Up to 10 branches
Slab / multi-rate interest
Partial jewel release
Loan renewal (new pledge number)
Vault · locker · chain of custody
Full auction: notice → sale → surplus payable
Double-entry accounts & books
Maker-checker approvals
Bank re-pledge / refinance
AI chatbot & owner copilot
Gold-price stress test
Customer mobile portal
WhatsApp Swarna Pro
NBFC / multi-branch / re-pledge
Swarna Enterprise
₹Custom Price/ licence
NBFC / multi-branch ERP with re-pledge & AI
Everything in Pro, plus
Unlimited branches
Bank re-pledge / refinance desk
Floating AI chatbot (allowlisted)
AI owner dashboard & insights
Customer risk score (advisory)
Gold-price stress & cash-flow forecast
Customer mobile portal + secure QR
WhatsApp & SMS provider adapters
WhatsApp Swarna Enterprise
See full feature comparison matrix →
Compliance settings must be reviewed against the organisation’s licence, entity type and applicable current regulations. This software does not itself make an organisation RBI or state-law compliant.
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