Gold schemes
Define the scheme once — 11+1, weight accumulation, making discount, and more. Enroll customers, collect installments, mature and redeem without a parallel register that only one person understands.
Scheme + billing ek hi software. Register alag rakhne ki zarurat nahi.
Starter is free with no end date. English or Hindi. Same login as stock, schemes, khata and girvi.
0/11
installments
The counter today
Gold savings (monthly scheme / SIP-style / bhishi-style plans) bring repeat customers — but only if balances, missed installments, and maturity maths are clear. Paper passbooks and WhatsApp reminders get lost. Staff argue about “kitna bhar chuka hai.” At maturity, benefit calculation becomes a negotiation. SwarnaVyapar keeps scheme rules, enrollments, payments, and maturity in the same shop as billing so redemption can connect to a real purchase.
Built for
01
Create a scheme with name and description. Choose FIXED_DURATION or FLEXIBLE. Calculation can be FLAT_AMOUNT or WEIGHT_ACCUMULATION. Payment frequency is monthly (overdue flags are calendar-month). For fixed schemes set installment amount and duration in months. Benefit type: bonus month, interest %, making charge discount, or fixed amount — with the value you promise. Example: 11+1 as fixed duration with a bonus-month benefit.
02
Enroll from the scheme: search CRM by name/phone or create the customer. Enrollment gets an account number and maturity date. Record each payment with amount, mode (cash/UPI/card/bank), and date. Weight schemes use gold rate at payment time. On maturity, review total paid and benefits, redeem per rules, and optionally create a purchase invoice from the balance so the scheme closes into a real sale.
0/11
installments
01
Schemes → Create Scheme. Set type, calculation, payment frequency, duration/amount where needed, and the benefit you will honour at maturity.
0/11
installments
02
Open the scheme → Enroll Customer. Link an existing customer or create one. Account number and maturity date are generated so both shop and customer have a clear reference.
0/11
installments
03
Open the enrollment → Record Payment. Capture amount, payment mode, and date. For weight schemes, the gold rate at payment time is used so accumulation stays consistent.
0/11
installments
04
Use maturity flow to review totals and benefits. Redeem per scheme rules. Optionally convert into a purchase invoice so billing and scheme close together.
Not here? Ask us on WhatsApp
Yes. Use fixed duration with a bonus-month (or other) benefit — the pattern most jewellery shops already explain to customers.
Enrollments support digital passbook-style views so installment history is clearer than a torn paper booklet.
If WhatsApp marketing is configured for the shop, you can run campaigns to audiences that include scheme customers — useful for due reminders and maturity offers.
No. Schemes sit in the same shop workspace as invoices and inventory. Redemption can flow into a purchase when you choose.
You record what was actually paid, with dates. Use enrollment history to see gaps — then decide shop policy (reminder, catch-up, or adjust). The software keeps the ledger honest; your policy stays yours.
Free to start. WhatsApp us to map your 11+1 or flexible scheme into SwarnaVyapar — English or Hinglish.