GoldLoanSoftwareinKeralaforNBFCs&JewelleryLenders
A complete gold loan management platform built for small and medium gold loan companies, NBFCs, cooperative banks, and jewellery-backed lenders — from KYC and gold appraisal to disbursement, EMI tracking, and auction management. One-time price, unlimited users and branches.
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Trusted by NBFCs, cooperative banks, and jewellery lenders across Kerala
What Is Gold Loan Management Software?
Gold loan software manages the full lifecycle of a gold-backed loan — customer KYC, gold appraisal and LTV calculation, disbursement, EMI and interest tracking, custody tracking, and auction management — with RBI-ready statutory reporting built in.
Many gold loan companies in Kerala still rely on registers, spreadsheets, or generic loan software that wasn't built for gold appraisal, custody tracking, or RBI compliance formats.
CloudHouse's gold loan software is a ready-to-deploy platform — unlimited users, unlimited branches, one flat price — built specifically for NBFCs, cooperative banks, and jewellery lenders.
What Our Gold Loan Software Covers
A complete system for running a gold loan business end to end, from customer walk-in to final redemption or auction.
Digital KYC & Onboarding
Aadhaar eKYC, PAN verification, and face-match onboarding from a branch counter or self-service kiosk.
- Aadhaar eKYC
- PAN verification
- Under 5-minute onboarding
Gold Appraisal & Valuation
Integrated weight, purity, and live market-rate calculator with automatic LTV computation.
- Live gold price feed
- LTV auto-calculation
- Purity & weight logging
Disbursement & EMI Tracking
One-click disbursement via UPI, NEFT, RTGS, or cash with flexible repayment schemes.
- Instant disbursement
- Bullet / EMI schemes
- Automated reminders
Gold Custody & Vault
Barcode or QR-based gold packet management with tamper-evident labelling and vault register.
- QR/barcode tagging
- Vault register
- Physical audit reconciliation
Risk & Auction Management
Automated NPA classification, pre-auction notices, and full auction workflow management.
- NPA classification
- Pre-auction notices
- Auction audit trail
RBI Reporting & Compliance
Auto-generated RBI statutory returns, credit bureau reporting, GST invoicing, and TDS.
- RBI Form NBS-7
- CIBIL/Equifax reporting
- GST & TDS
Why Choose CloudHouse for Gold Loan Software
Purpose-built for gold-backed lending — not a generic loan management system.
Unlimited Users & Branches
One flat price covers your whole organisation — no per-seat or per-branch licensing surprises.
RBI-Ready by Design
Statutory returns and credit bureau reporting formatted for RBI compliance, not adapted after the fact.
Kerala-Based Team
Work directly with a team based in Kerala for onboarding, training, and support.
Built for Gold Lending
Gold appraisal, custody tracking, and auction workflow — not a generic loan platform retrofitted for gold.
Mobile App Included
A branded customer-facing app for Android and iOS included, not sold as an add-on.
Transparent, One-Time Cost
₹39,000 + GST license, ₹10,000 + GST AMC from year two. Nothing hidden.
How Gold Loan Processing Works
Customer Walk-In / App Apply
Customer applies at branch or via mobile app. KYC is completed digitally via Aadhaar OTP and PAN in under 5 minutes.
Gold Appraisal
Staff weighs and tests gold purity. System auto-calculates LTV based on live gold price and company policy.
Loan Sanction & Agreement
Officer reviews and sanctions with one click. Digital loan agreement is generated, signed, and stored automatically.
Gold Custody & Tagging
Gold is sealed, tagged with QR/barcode, and entered into the vault register. Customer receives custody receipt.
Disbursement
Loan amount is disbursed instantly via UPI, NEFT, or cash. Full audit trail is maintained.
Repayment & Renewal
Customer repays via app, bank transfer, or at counter. Overdue triggers automated reminders, pre-auction notices, and auction workflow if needed.
Customer Walk-In / App Apply
Customer applies at branch or via mobile app. KYC is completed digitally via Aadhaar OTP and PAN in under 5 minutes.
Gold Appraisal
Staff weighs and tests gold purity. System auto-calculates LTV based on live gold price and company policy.
Loan Sanction & Agreement
Officer reviews and sanctions with one click. Digital loan agreement is generated, signed, and stored automatically.
Gold Custody & Tagging
Gold is sealed, tagged with QR/barcode, and entered into the vault register. Customer receives custody receipt.
Disbursement
Loan amount is disbursed instantly via UPI, NEFT, or cash. Full audit trail is maintained.
Repayment & Renewal
Customer repays via app, bank transfer, or at counter. Overdue triggers automated reminders, pre-auction notices, and auction workflow if needed.
Compliance & Reporting We Cover
Built around RBI gold loan NBFC guidelines, not generic loan accounting rules.
Statutory Compliance
Platform Capabilities
Reporting & Analytics
Built for Every Gold-Backed Lending Organisation
NBFCs
RBI-registered NBFCs processing gold loans at scale. Multi-branch, regulatory reporting, and credit bureau integration built in.
See the NBFC editionCooperative Banks
District and urban cooperative banks offering gold loans alongside other products. Seamlessly integrated with CBS.
Jewellery Lenders & Pawnbrokers
Jewellery shops and pawn brokers formalising gold loan operations with digital KYC, custody tracking, and compliance.
See the pawnbroker appMicrofinance Institutions
MFIs expanding into gold loan products for rural and semi-urban customers via mobile-first channels.
Branch Auditors
A full audit trail and vault reconciliation for faster, cleaner statutory audits.
Loan Officers & Staff
A fast, simple workflow from appraisal to disbursement — no per-seat license limits to worry about.
Simple, One-Time Pricing
One flat license fee based on branch count. Unlimited users always included — no per-user fees, no hidden charges.
Gold Loan Software License — Up to 3 branches
+ GST · one-time · unlimited users · up to 3 branches
- Unlimited users
- Digital KYC & gold appraisal
- Disbursement & EMI tracking
- Gold custody & vault tracking
- Auction management module
- Customer mobile app (Android & iOS)
- RBI compliance reporting
Need more than 10 branches? Talk to us for a custom quote. GST applicable as per government norms. AMC billed annually from year two.
CloudHouse vs Generic Loan Software
An honest comparison of purpose-built gold loan software against generic loan platforms, spreadsheets, and in-house builds.
| Feature | CloudHouse Gold Loan Software | Generic Loan Template | Spreadsheets / Register | In-House Build |
|---|---|---|---|---|
| RBI statutory reporting | ✓ Built in | ✗ Manual reformatting | ✗ Manual | Depends on scope |
| Gold appraisal & LTV calc | ✓ Live gold price feed | Limited | ✗ Manual | Depends on scope |
| Gold custody tracking | ✓ QR/barcode vault register | ✗ Not included | ✗ Not practical | ✓ (if built well) |
| Auction management | ✓ Full workflow | ✗ Not included | ✗ Not practical | Depends on scope |
| Multi-branch support | ✓ Unlimited, included | Add-on cost | ✗ Not practical | ✓ |
| Cost model | ₹39,000 + GST one-time, unlimited users | Per-user / per-branch license | Free, but risky | High (dev hiring) |
| Best for | Gold loan businesses wanting a built-for-purpose system at a fixed cost | Very small operations | Not recommended | Large NBFCs with a dev team |
What Clients Say
“Auction workflow used to mean chasing paperwork for weeks. Now pre-auction notices and records are generated automatically.”
“Gold custody tracking was our biggest risk area. The QR-tagged vault register gave us full traceability overnight.”
“One flat price for unlimited branches meant we could roll it out to every location without renegotiating a license.”
Frequently Asked Questions
Is the software RBI compliant?+
Yes. The platform auto-generates all required RBI statutory returns for gold loan NBFCs, including Form NBS-7. It also supports CIBIL and Equifax credit bureau reporting, GST invoicing, and TDS calculation.
Can it integrate with our existing Core Banking System (CBS)?+
Yes. We provide REST API integration with Finacle, BaNCS, and most major CBS platforms. Custom integration is available for enterprise clients.
Is a mobile app included?+
Yes. All Business and Enterprise plans include a white-labelled customer-facing mobile app for Android and iOS. Customers can view loan status, make payments, and request renewals from the app.
How is gold custody managed digitally?+
Each gold packet is tagged with a unique QR code or barcode at the time of pledging. The system maintains a digital vault register with packet details, photos, and custody chain. Physical audits can be reconciled against the digital record in real time.
Can the software handle auction management?+
Yes. When a loan becomes NPA, the system triggers the pre-auction notice workflow, schedules auction dates, tracks bidders, and records auction proceeds — all with a complete statutory audit trail.
Is there a free trial?+
Yes. All Starter and Business plans include a 14-day free trial with full feature access and no credit card required. Enterprise clients get a custom demo and POC environment.
Can we white-label the software under our brand?+
Yes. The Enterprise plan includes full white-labelling — your logo, brand colours, and custom domain across the web platform, mobile app, and customer-facing documents.
What happens to our data if we cancel?+
Your data belongs to you. On cancellation, we provide a full data export in CSV and PDF format. We retain your data for 90 days after cancellation for retrieval.
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No credit card. No commitment. Full access to all features from day one. Our team will help you get set up within 24 hours.
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