SwarnaVyapar

Gold savings scheme software for jewellers

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.

Same workspace as inventory, schemes, khata & loans — see plans.

Schemes that live in a diary break trust

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.

Who this is for

  • Jewellers running 11+1 or similar fixed-duration plans
  • Shops with flexible or weight-accumulation savings
  • Owners who want installment history per customer, not oral memory
  • Teams that already bill on SwarnaVyapar and want schemes in the same login

How you design a scheme

Create a scheme with name and description. Choose FIXED_DURATION or FLEXIBLE. Calculation can be FLAT_AMOUNT or WEIGHT_ACCUMULATION. Payment frequency: monthly, weekly, daily, or flexible. 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.

Enrollment, collection, maturity

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.

How it works on the counter

  1. Create the scheme product

    Schemes → Create Scheme. Set type, calculation, payment frequency, duration/amount where needed, and the benefit you will honour at maturity.

  2. Enroll the customer

    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.

  3. Collect installments

    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.

  4. Mature and redeem

    Use maturity flow to review totals and benefits. Redeem per scheme rules. Optionally convert into a purchase invoice so billing and scheme close together.

What you actually get

  • Fixed or flexible scheme types
  • Flat amount or weight accumulation maths
  • Monthly / weekly / daily / flexible payment cadence
  • Benefits: bonus month, interest %, making discount, or fixed amount
  • Enrollment account number + maturity date
  • Payment history with cash/UPI/card/bank modes
  • Weight schemes priced at gold rate on payment day
  • Maturity / redeem path with optional purchase invoice
  • Digital passbook-style enrollment views
  • WhatsApp marketing can target scheme audiences when WhatsApp is configured
  • Same customer record as retail billing and loyalty

Questions shop owners ask

Can I run an 11+1 style scheme?+

Yes. Use fixed duration with a bonus-month (or other) benefit — the pattern most jewellery shops already explain to customers.

Is scheme software separate from GST billing?+

No. Schemes sit in the same shop workspace as invoices and inventory. Redemption can flow into a purchase when you choose.

Will customers see a passbook?+

Enrollments support digital passbook-style views so installment history is clearer than a torn paper booklet.

Missed installment kaise handle hota hai?+

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.

Can I message scheme customers on WhatsApp?+

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.

Try it on your next bill

Free to start. WhatsApp us to map your 11+1 or flexible scheme into SwarnaVyapar — English or Hinglish.

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