Run every gold scheme collection on time.

Gold scheme software manages the monthly savings schemes a jewellery showroom runs for its customers — enrolment, instalment due dates, collections, receipts, accumulated gold weight and maturity. Swarna Grow handles that scheme side only; your billing, GST and accounts software continues untouched.

Yes. In Kerala this is often called gold kuri software or gold chitti software. Swarna Grow manages the same workflow with due tracking, reminders, collections, receipts and maturity control for weight-based or cash-based schemes.

An advance received for the supply of goods within 365 days is not treated as a deposit under the Companies (Acceptance of Deposits) Rules, so jewellers structure schemes inside that window — commonly 11 months plus a redemption month. Swarna Grow flags every scheme as it enters month 11. General information, not legal advice; confirm your structure with your auditor.

No. Swarna Grow sits around your existing system and handles dues, reminders, collections, receipts and maturity. Nothing about billing, GST filing or accounts changes.

We digitise, clean and import it during setup using a standard migration template. Most showrooms go live on their own historical data the same week.

Approved template messages go out automatically three days before the due date, on the due date, and up to twice more if the instalment is missed. Each carries the customer's name, the amount and a payment button.

Yes — the payment button opens their own UPI app (PhonePe, GPay, Paytm or any other) with the amount pre-filled. Cash paid at the counter is recorded by the cashier and behaves identically in the ledger, reports and receipts.

No. Cashiers get a login that records payments and nothing else. Setting the daily rate, viewing reports and exporting data stay with the owner, and every payment records which staff member took it.

Growth includes 2 showrooms and Pro includes 5. Starter covers a single showroom. Branch-level collection reporting and staff roles are included from Growth upward.

Swarna Grow starts at ₹3,000 per month for up to 500 active scheme customers, ₹5,000 up to 1,000 and ₹8,000 up to 3,000, with a one-time ₹5,000 setup and data migration fee.