FMS Gold Loan & Pawn
Pawn Broker & Gold Loan Software

Every Pledge.
Every Interest.
Fully Digital.

Vinfoz FMS is purpose-built for pawn brokers and gold loan businesses. Digital pawn tickets, automatic slab interest, nominee records, repledge — go fully digital from day one.

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Digital
Pawn Tickets
Auto
Slab Interest
Nominee
Records
Active Pledges
8 Active
Anbu S. PL-041 Active
Gold Chain 22K · 18g Loan ₹45,000
Selvi R. PL-039 Active
Gold Bangles 22K · 24g Loan ₹60,000
Murugan K. PL-037 Overdue
Gold Ring 22K · 6g Loan ₹14,000
Radha M. PL-034 Active
Gold Earrings 18K · 10g Loan ₹18,000
PL-041 — Pawn Ticket Active
Item
Gold Chain 22K
Weight
18 grams
Purity
22 Karat
Loan Amt
₹45,000
Interest/mo
₹900 (2%)
Days
62 days
Release Collect Interest Forfeit

Sound Familiar?

The Old Way Is Costing You

Paper Pawn Tickets

Lost tickets, faded ink, no search. One missing ticket and the entire pledge becomes a dispute. No way to know what's overdue.

Manual Interest Calculations

Computing slab interest on a register for dozens of pledges daily — prone to errors, inconsistencies, and customer disputes.

No Nominee or KYC Records

Nominee and guarantor details scattered across registers — impossible to retrieve when a pledge becomes a dispute or legal matter.

Purpose-Built

Pawn Broker Software Built for Gold Loan Businesses

Not a generic loan system with pawn as an afterthought — every feature is designed specifically for pawn brokers and gold loan management in India.

Digital Pawn Tickets
Generate professional pawn tickets with item details, customer photo, and ornament photos. Print or share digitally.
Slab Interest Calculation
Configure different interest rates per slab — amount-wise or duration-wise. Interest auto-calculated to the exact day.
Nominee & Guarantor System
Record nominee and guarantor details with photos at loan creation. Full KYC records stored securely — retrievable any time.
Plus & Pro
Repledge Management
Repledge items to a bank or external lender. Track repledged gold separately with payment tracking and full audit trail.
Photo Upload
Upload photos of pledged ornaments and customer ID proof. Stored securely — always available when you need proof.
Timeline & Audit Trail
Every action on every pledge — interest collected, partial payments, renewals, scheme changes — logged with date and user.
Plus & Pro
Multiple Loan Schemes
Create schemes like "2% up to 6 months, 3% after". Assign any scheme at pledge creation. Switch schemes mid-loan.
Plus & Pro
Mobile App (PWA · Android & iOS)
Manage pledges, collect interest, view reports, and get overdue alerts from your phone. Works on Android & iOS as a PWA — no app store download needed.
Pro
Push Notifications
Automatic alerts when a pledge goes overdue or approaches its renewal date. Notifies all staff on mobile app.
One-Click Reports
Active loans, overdue aging, gold in custody, interest income, disbursements — all reports with one click, zero exports.
Pro
FD & RD Tracking
Track fixed deposits and recurring deposits from the same platform. Maturity forecast and payout tracking built in.

Simple Workflow

How It Works

Three steps — create, track, close. Nothing complicated, nothing to learn from scratch.

Step 1
Create the Pledge

Register the customer, record the pledged item with weight, purity, and photos. Assign a loan amount and interest scheme. The digital pawn ticket is generated instantly.

Step 2
Track Interest

Interest is calculated automatically to the day — no spreadsheets, no manual math. Collect partial or full interest at any time. Every collection is logged to the pledge timeline.

Step 3
Release or Forfeit

When repaid, release the pledge — item returned and a full receipt generated. Overdue pledges can be forfeited with a complete, court-admissible audit trail.

Data at Your Fingertips

Gold Loan Reports Built
for Pawn Brokers

Every report your pawn broker business needs — overdue follow-ups, interest income, gold in custody, aging buckets. One click, instant. No exports, no Excel.

Lite — Basic Reports
Active Loans Register
Overdue Loans
Pledge Register
Plus — Core Reports
Loan Aging Buckets (0–30, 31–90, 91–180, 180+ days)
Disbursements Report
Payments Received (Interest / Principal split)
Loan Closures Report
Interest Income Summary
Gold Custody Register (incl. repledged items)
Pro — All Reports
Repledge Summary with Bank Details & Payments
FD Forecast & Maturity Report
RD Collection & Forecast Report
Principal Outstanding Summary
Interest Crystallised vs Collected (monthly)
Gold Custody & Aging Today
42
Active Pledges
824g
Gold in Custody
₹24.6L
Portfolio
Pledge Aging
0 – 30 days
18
31 – 90 days
14
91 – 180 days
7
180+ days
3
Top Overdue
Murugan K. PL-037
94 days overdue
₹14,000
Rajan P. PL-029
112 days overdue
₹28,000
Kavitha S. PL-021
187 days overdue
₹9,500

100% Transparent Pricing

Simple Daily Recharge

No registration fee. No setup cost. No contracts. No hidden charges.
Pay as you go — stop anytime.

Zero Registration Fee  ·  Zero Setup Cost  ·  Daily Recharge Only
Lite
₹15 /day

~₹450/month

For solo pawn brokers going digital for the first time.

  • 1 Staff User
  • Default Interest Scheme
  • Digital Pawn Tickets
  • Photo Upload (Item + Customer)
  • Nominee & Guarantor Records
  • Active Loans Report
  • Overdue Report
  • Pledge Register
  • Repledge
  • Multiple Schemes
  • Mobile App (PWA · Android & iOS)
  • FD / RD Tracking
  • Push Notifications
Get Started
★ Most Popular
Plus
₹25 /day

~₹750/month

For growing businesses with multiple schemes and mobile access.

  • 2 Staff Users
  • Multiple Loan Schemes
  • Digital Pawn Tickets
  • Photo Upload (Item + Customer)
  • Nominee & Guarantor Records
  • Repledge Management
  • Mobile App (PWA · Android & iOS)
  • All Core Loan Reports (8 reports)
  • Gold Custody Register
  • Loan Aging Report
  • FD / RD Tracking
  • Push Notifications
  • Advanced Reports
Get Plus — Most Popular
🏆 Most Useful
Pro
₹35 /day

~₹1,050/month

For established businesses that need all reports, FD/RD, and team notifications.

  • 3 Staff Users
  • Multiple Loan Schemes
  • Digital Pawn Tickets
  • Photo Upload (Item + Customer)
  • Nominee & Guarantor Records
  • Repledge Management
  • Mobile App (PWA · Android & iOS)
  • All Reports (11 reports)
  • Gold Custody Register
  • Loan Aging Report
  • FD Tracking & Maturity Forecast
  • RD Tracking & Collection Report
  • Push Notifications (Mobile)
Get Pro — All Features

All plans include unlimited pledges, unlimited customers, and free software updates. No per-transaction fees.

Who Uses Vinfoz Pawn Broker Software

Trusted by gold loan businesses and pawn shops across Tamil Nadu, Kerala, Karnataka, and Andhra Pradesh

Pawn Brokers
Gold Loan NBFCs
Jewellery Shops
Microfinance Co.
Credit Societies
Money Lenders

Pawn broker software & gold loan management software available in Chennai · Coimbatore · Madurai · Salem · Tirunelveli · Trichy · Kochi · Thrissur · Kozhikode · Bangalore · Mysore · Hyderabad · Vijayawada · Tirupati & across India

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