Smart Gold & Silver Loan Software for Tamil Nadu
Complete gold & silver loan management from pledge to redemption with automated interest calculation, Form D3 compliance, and WhatsApp notifications. 100% GST-compliant and built for Tamil Nadu precious metal loan businesses.
Everything You Need to Run Your Gold & Silver Loan Business
Purpose-built features for Tamil Nadu gold & silver loan businesses, precious metal finance companies, and licensed lenders
Pledge Management
Quick pledge creation for gold & silver items, ornament details, weight tracking (gross/net), purity recording (gold: 24K, 22K, 18K / silver: 999, 925), and photo capture.
Customer Management
Complete KYC with Aadhaar linking, customer profiles, pledge history tracking, and multi-customer support with ID verification.
Interest Calculation
Automatic daily/monthly interest calculation, part payment support, compound interest options, and grace period management.
Gold & Silver Rate Management
Daily rate updates for gold (24K, 22K, 18K, 14K) and silver (999, 925), automatic LTV calculation by metal & purity, historical rate tracking.
Payment Processing
Interest payments, full/partial redemptions, multiple payment modes (cash, UPI, cards), instant receipt generation in Tamil + English.
Redemption Tracking
Complete redemption workflow, item verification, payment confirmation, automatic receipt generation, and pledge closure tracking.
100% Tamil Nadu Compliant
Stay compliant with all regulatory requirements and manage auctions seamlessly
Form D3 Report
Automated Form D3 generation per Tamil Nadu Regulations. One-click monthly regulatory statement covering all gold & silver pledges in required format.
Auction Management
Overdue pledge identification, auction scheduling, bidding tracking, legal notice generation, surplus/shortfall calculation.
Regulatory Reports
Daily transaction registers, customer-wise reports, item tracking, historical records, and submission-ready compliance reports.
Digital Documentation
Pledge tickets for gold & silver, receipts, notices, auction catalogs - all digitally stored with automatic backup and search.
Smart Automation That Saves Time
Automated notifications and workflows to keep your customers informed and your business running smoothly
WhatsApp Notifications
Automated WhatsApp messages for pledge confirmations, payment reminders, overdue alerts, auction notices, and redemption confirmations. Tamil + English support.
SMS Alerts
Fast2SMS and MSG91 integration with DLT compliance. Customizable templates for all customer communications.
Automated Interest Accrual
Daily automatic interest calculation, payment due alerts, overdue flagging, and reminder scheduling before due dates.
Workflow Automation
Auto-generate documents, schedule backups, trigger auction workflows, send multi-stage notices, and reduce manual tasks.
Make Data-Driven Decisions
Powerful analytics and reporting tools to help you understand and grow your business
Dashboard Analytics
Real-time dashboard showing active pledges, outstanding principal, interest receivable, overdue count, and today's activity.
Financial Reports
Interest income tracking, cash flow reports, profit margins, portfolio analysis, and daily/monthly summaries.
Printing & Receipts
Thermal printer support for pledge tickets (gold & silver), payment receipts, redemption receipts. All documents in Tamil + English.
Multi-Branch Support
Centralized management for multiple locations, branch-wise reports, role-based access, and consolidated analytics.
Why OnePlaceHQ Beats Traditional Precious Metal Loan Software
See how we compare to other solutions
| Feature | OnePlaceHQ | Traditional Software |
|---|---|---|
| 📱 WhatsApp Notifications | Automated | SMS only or manual |
| 🇮🇳 Tamil Language | Full interface & receipts | English only |
| 💎 LTV by Metal & Purity | Different ratios for gold & silver | Fixed LTV for all |
| 📋 Form D3 Report | One-click automated | Manual preparation |
| 💰 Part Payments | Auto-allocate to interest/principal | Manual tracking |
| ⚖️ Auction Management | Complete workflow | Manual process |
| ☁️ Cloud-Based | Access anywhere | Desktop software only |
| 🔄 Auto Backup | Continuous | Manual backup required |
Perfect For Every Type of Gold & Silver Loan Business
Whether you're a precious metal finance company or a licensed lender
Gold & Silver Finance Companies
Precious metal loan companies, gold & silver finance institutions, pledge-based lending
Jewelry-backed Lending
Gold & silver jewelry loans, ornament-backed lending, quick pledge services
Licensed Lenders (TN)
Tamil Nadu regulatory compliance for gold & silver, Form D3 reporting, auction management
Multi-Branch Operations
Multi-location precious metal loan chains, centralized management, branch-wise reporting
What Gold Loan Businesses Say
Real precious metal loan businesses across Tamil Nadu trust OnePlaceHQ
Sri Kamatchi Amman Bankers
Dindigul, Tamil Nadu
"OnePlaceHQ's gold loan management app is sleek, modern, and affordable. The interface is intuitive, features are comprehensive, and the support team is excellent - always responsive in Tamil and English. Perfect solution for our precious metal loan business in Dindigul."
Why Tamil Nadu Precious Metal Loan Businesses Choose OnePlaceHQ
100% GST Compliant
All invoices follow Indian GST regulations. Generate GSTR reports with one click.
Form D3 Compliance
Automated Form D3 generation per Tamil Nadu Regulations for all gold & silver pledges. Stay compliant effortlessly.
Tamil + English Support
WhatsApp and phone support in Tamil. Quick response from our Chennai team. Interface in both languages.
Works on Any Device
Tablet, phone, or computer. Cloud-based, access from anywhere. No installation needed.
Ready to Modernize Your Gold & Silver Loan Business?
Join precious metal loan businesses across Chennai, Coimbatore, and Madurai who trust OnePlaceHQ for pledge management and compliance.
Contact Us on WhatsAppQuick response in Tamil + English
Frequently Asked Questions
Does it support different interest rates for different customers?
Yes! Set custom interest rates per customer, pledge type, or purity level. Simple or compound interest calculation available.
Can I track LTV (Loan-to-Value) by metal type and purity?
Absolutely! Configure different LTV ratios for gold (24K, 22K, 18K, 14K) and silver (999, 925). System automatically calculates maximum loan based on metal type, purity, and current market rates.
Is Form D3 report generation automated?
Yes! One-click Form D3 generation covering all gold & silver pledges in the format required by Tamil Nadu Regulations. Monthly regulatory statement automatically compiled.
Can customers receive WhatsApp notifications?
Yes! Automated WhatsApp messages for pledge confirmations, payment reminders, overdue alerts, auction notices, and redemption confirmations. Available in Tamil and English.
How does auction management work?
Complete workflow: automatic overdue identification after grace period, multi-stage notices (14-day warning, 7-day final), auction scheduling, catalog generation, bidding tracking, and surplus/shortfall calculation.
Can I print receipts in Tamil?
Yes! All receipts (pledge tickets for gold & silver, payment receipts, redemption receipts) available in Tamil + English. Thermal printer support included.
How does part payment allocation work?
System automatically allocates part payments to interest first, then principal. Maintains complete payment history and shows breakdown on receipts.
Is there multi-branch support?
Yes! Manage multiple branches from one dashboard. Centralized data with branch-wise access control, reports, and consolidated analytics.