Origination & schemes
Open loans against gold in minutes with scheme-based interest, EMI and bullet repayment, sanction letters and printed loan cards.
Gold Loan Software for India's NBFCs
Run your entire gold-loan operation — origination, scheme-based interest, gold-item inventory, auctions, repledge and RBI reporting — on one platform built for Indian lenders. Powered by MicroFin, live and in production today.
The problem
Spreadsheets can't run a gold-loan book
Most regional gold-loan NBFCs still stitch together spreadsheets, manual interest sheets and disconnected tools. Gold-item details live in registers, interest is recalculated by hand, repledge is a reconciliation headache, and audit time becomes a scramble. As branches grow, the cracks widen — and so does the operational risk on a book secured against physical gold.
Dedicated gold loan software fixes this by putting origination, interest, inventory, accounting and compliance in one controlled system — so every loan, every gram of gold and every rupee is tracked and auditable.
What it covers
Everything a gold-loan lender needs
Gold-item & safe inventory
Track every pledged item — weight, purity, packet and safe location — with a clear chain of custody from pledge to release.
Auctions & sanction letters
Manage overdue loans through to auction with notices, sanction letters and a complete audit trail at every step.
Repledge & bank funding
Bulk-repledge gold loans to your bank facilities with batch funding and batch closure handled in a few clicks.
Accounting & RBI reports
Double-entry general ledger, day book, cash book and RBI-oriented registers — your books and statutory reports, always audit-ready.
Mobile apps
Field-agent and customer mobile apps for collections, onboarding and borrower self-service — sharing one backend with your branches.
Why Dynamic Soft Solution
Built by people who understand lending
We don't point a generic ERP at finance. Our gold loan software is part of MicroFin, a production platform in active daily use by regional NBFCs — so the workflows exist because lenders need them, not because they looked tidy in a spec. It is multi-tenant, multi-branch, secure and auditable, with maker-checker approvals, end-of-day closure and full audit trails built in.
Looking for the wider picture? See our loan management software for NBFCs and microfinance software.
FAQ
Gold loan software questions
Is the gold loan software suitable for multi-branch NBFCs?
Yes. MicroFin is multi-tenant and multi-branch by design — one deployment runs many branches with head-office and branch-level visibility, so growing lenders never outgrow it.
Does it handle gold-item and packet inventory?
Yes. Every loan tracks the pledged gold items, weight, purity and packet/safe location, with auctions and printed loan cards built in.
Can it be hosted on our own servers?
Yes. MicroFin runs in the cloud or on-premises on your own infrastructure, with annual AMC and support included.
See gold loan software built for your branches
Book a guided walkthrough of MicroFin, or tell us how your gold-loan operation works and we'll show you the fastest way to run it on one platform.