Gold Bandak (Pledge Loans)
Run a professional, secure, and highly profitable gold loan operation alongside your retail business with our dedicated Bandak module.
Modernize your Gold Bandak operations
Ditch the cumbersome ledgers. SoniERP brings secure, compliant, and automated pledge loan management directly into your core retail platform.
Automated Interest
Set custom interest rates (simple or compound). SoniERP automatically calculates accrued interest up to the exact day of redemption.
Live Valuation
Evaluate pledged ornaments against real-time market gold rates to ensure your loan-to-value (LTV) ratio remains safe.
Digital KYC
Capture customer photos, ID proofs, and ornament pictures directly through webcam integration during loan origination.
And more...
Automated SMS reminders, secure packet tracking, partial release handling, and auction management workflows.
Secure and compliant lending
Minimize risk in your money-lending business. Maintain pristine records, ensure adequate collateral cover, and communicate transparently with borrowers.
Generate compliant pawn tickets and receipts instantly.
Monitor overall portfolio health and capital deployment.
Prevent unauthorized release of pledged items.
Why lenders use SoniERP
Consolidate your retail and lending businesses into a single, powerful platform designed for Indian market realities.
Whether you're a shop owner, cashier, or karigar, SoniERP's intuitive interface makes retail management accessible. Transitioning from paper registers to a digital system has never been easier.
Harness the full power of a centralized management toolset. From real-time stock syncing to consolidated dashboards, SoniERP scales with your business while maintaining exceptional security.
Seamlessly integrate with your existing setup. SoniERP works out of the box with barcode scanners, RFID readers, and thermal printers, transforming your store into a tech-forward retail hub.
Transform your retail business today.
Get started with SoniERP.
Begin your free trial and discover how SoniERP's powerful software can transform your jewellery business.
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