Guides for goldsmiths & jewellers
Clear, practical guides on running a girvi and jewellery business in India — how gold loans work, how to calculate interest, GST and hallmarking, gold savings schemes, inventory, KYC and choosing software.
Gold Loans (Girvi)
What is Girvi? A Complete Guide to Gold Mortgage Loans in India
Girvi is the traditional Indian practice of lending money against gold ornaments held as security. Learn how girvi works, how interest is charged, and how goldsmiths run it.
How to Calculate Gold Loan Interest (with Worked Examples)
A step-by-step guide to calculating monthly interest on a girvi gold loan, with worked examples for part-payments and early settlement.
Girvi vs Bank Gold Loan: What's the Difference?
How a goldsmith's girvi loan compares with a bank or NBFC gold loan on speed, flexibility, interest, and regulation — so you can explain the difference to customers.
How to Reduce Gold Loan Defaults and Recover Dues
Practical ways a goldsmith can reduce girvi defaults: disciplined valuation, timely reminders, clear communication, and good records that make recovery easier.
Business Setup
How to Start a Gold Loan (Girvi) Business in India
The practical building blocks of a girvi business: valuation discipline, secure custody, clear records, KYC, and transparent interest — a starter checklist for goldsmiths.
Digital Khata vs Paper Bahi Khata for Goldsmiths
The trade-offs between the traditional paper bahi khata and a digital ledger for a goldsmith's girvi and billing records, and how to move across safely.
Choosing Girvi and Jewellery Software: A Buyer's Guide
What to look for when choosing software to run a girvi and jewellery business: accurate interest, tenant data isolation, GST billing, reminders, backups and language support.
Schemes
Compliance
GST for Jewellers in India: Billing, HSN Codes and Invoicing
A plain-language overview of how GST applies to gold jewellery sales in India, including the split between gold value and making charges, and what a compliant invoice needs.
HUID and Hallmarking: What Jewellers Need to Know
An introduction to hallmarking and the HUID (Hallmark Unique Identification) for gold jewellery in India, and how to record it on sales.
KYC for Gold Loans: Aadhaar, PAN and Documentation
What customer documentation a goldsmith should collect for girvi loans, how to handle Aadhaar and PAN responsibly, and why good KYC protects your business.
Operations
Run your girvi and billing in one place
SwarnaMitra keeps your loans, customers, gold schemes and GST invoices together — with transparent interest and automatic reminders.
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