Gold loan management software
A gold loan is a loan and a bailment at once. The ornaments have to be described well enough that the right items go back to the right person, sometimes years later — and the interest has to be right on the day they ask.
What usually gets in the way
- ✕Ornament details on a paper packet and nowhere else
- ✕Interest-only loans with no clean record of what has been paid
- ✕No photographs of what was taken in
What Byaj Batta does about it
Collateral on the loan
Ornaments recorded as collateral with type, description, quantity, weight and estimated value, and photographs attached.
Interest-only or EMI
Service the interest and repay principal at the end, or amortise it — both supported as repayment methods.
Foreclosure and settlement
Close early with accrued interest computed to the day, not the full remaining interest of a term never served.
Documents
Loan agreement, pledge documents and receipts generated from the loan record.
Built AI-native, not AI-bolted-on
Tezu, the built-in AI agent, answers questions about your own book in plain language, and AI import reads whatever spreadsheet you already keep — mapping arbitrary column headings onto customers, loans and deposits — so moving in does not mean retyping years of records.
See how the AI works →Frequently asked
Can I record the ornaments pledged?
Yes. Collateral is recorded against the loan with type, description, quantity, weight and estimated value, and photographs can be attached.
Does it support interest-only gold loans?
Yes. Interest-only is one of the supported repayment methods, with principal due at the end of the term.
How is early closure calculated?
Foreclosure charges interest accrued to the settlement date rather than the full remaining interest for a period the borrower never used.