Girvi, kept straight. Every gram, every rupee, every date.
SeeJewel Girvi is the complete register for loans against jewellery. Pieces weighed, tested and photographed, the customer’s KYC kept safe, interest worked out by your own rules, due dates watched and reminders sent on WhatsApp. It is part of SeeJewel, the all-in-one software for jewellers.
| Piece | Test | Net | Value |
|---|---|---|---|
| Gold chain, 22K | XRF 91.6% | 18.420 g | ₹1,61,900 |
| Bangles (2), 22K | Touchstone | 24.100 g | ₹2,11,800 |
| Ring, 18K | Hallmark | 3.050 g | ₹21,900 |
Namaste Sunita ji, Shree Jewellers here. Your girvi GRV/2026-27/0148 is due on 9 Nov. Interest till today: ₹45,000. To release: ₹2,95,000.
seejewel.com/girvi/••••WhatsApp · 10:42 ✓✓A loan against jewellery, kept on record.
Girvi (गिरवी) is a loan a jeweller gives against jewellery the customer leaves with the shop. The pieces are weighed, tested and valued, the customer receives the loan and a girvi slip, interest runs at an agreed rate per ₹100 a month, and the pieces go back when the loan and interest are paid.
What goes wrong in a bahi-khata.
Girvi runs for months or years. Small slips become arguments, and arguments cost customers.
Two people, two interest figures
Months counted differently, a part month argued over, a payment forgotten.
Due dates that drift for months
Nobody checks the bahi until the customer stops coming.
Whose piece is this?
Pouches, chits and memory, across years.
Purity questioned at release
“It was 22 karat when I gave it.”
The gold price falls
A loan that was safe last year is not safe today.
KYC kept loosely
Photocopies of Aadhaar in a drawer.
From pledge to release, eight steps.
1. Weigh and test
Gross weight, stones and net weight for every piece, read from your scale. Note how purity was checked: touchstone, XRF, acid or hallmark, and the purity found.
2. Value at today’s rate
Your rate board fills in today’s 24K gold and fine silver rates. Each piece is valued from its net weight and purity, and the loan shows as a share of the value.
3. Agree the terms
Loan amount, rate per ₹100 a month, simple or yearly compound, how a part month counts, a minimum period and the due date.
4. KYC, photos and slip
Name, S/o or W/o, mobile, address and ID (kept masked). Photograph the pieces, the customer and the ID, then print the girvi slip for signatures.
5. Remind before the due date
A week before the due date, and every week once overdue, the reminder opens on WhatsApp or SMS with the amounts and the customer’s statement link.
6. Interest and part payments
Money received goes to interest first, then the loan. The interest clock restarts from that day.
7. Renew or give more
Take the interest and set a new due date, or give more on the same pieces; the new amount earns from that day.
8. Release with a weight check
Receive the full amount (waive interest if you choose), weigh the pieces again in front of the customer and hand them back. Forfeiting is recorded only after the due date and your notice.
Interest the way you count it.
A rate per ₹100 a month, calendar months, your rule for part months, a minimum period and simple or yearly compound interest. The same rules run the register, the slip and the customer’s statement.
Girvi interest calculator
₹50,000 × 1.5% a month × 4 months = ₹3,000 interest.
| Rate per ₹100 a month (sainkda) | Per cent a month | Per cent a year (simple) |
|---|---|---|
| ₹1 | 1% | 12% |
| ₹1.25 | 1.25% | 15% |
| ₹1.5 | 1.5% | 18% |
| ₹2 | 2% | 24% |
| ₹2.5 | 2.5% | 30% |
| ₹3 | 3% | 36% |
Everything a girvi needs, nothing it doesn’t.
The details you need to lend safely and settle fairly, captured once at the counter.
The pieces
- Description and type (chain, bangles, ring, mangalsutra…)
- Metal and purity as marked
- Test: not tested, touchstone, XRF, acid or hallmark, with the purity found
- HUID or hallmark number
- Pieces, gross weight, stones, net weight (from your weighing scale)
- Value at the rate used, and photos
The customer
- Name and S/o, W/o or D/o
- Mobile and an alternate number
- Address
- ID type, with only the last four characters kept
- Photo of the ID (front and back)
- Photo of the customer
The money
- Loan amount and today’s 24K gold and silver rates
- Loan as a share of the value, at pledge and today
- Rate per ₹100 a month, method, part-month rule, minimum period
- Due date, renewals and top-ups
- Every payment: interest, loan, mode and date
- Release, any waiver, and the weight at return
When customers come for girvi.
Weddings and festivals
Families pledge gold for a few months when spending peaks, and release it after.
Between harvests
Farming families borrow against gold until the crop is sold.
A trader’s working money
Shopkeepers and small businesses pledge for stock or a short gap in cash.
Emergencies
A hospital bill or school fees, where speed and trust matter most.
Security that stays out of the way.
Protected
- Aadhaar and other IDs kept as the last four characters only
- Photos stored privately, opened through short-lived links
- Only people with finance rights see or change a girvi
- Every step in the history: who, what and when
- Numbered slips that cannot be reused
- Weight checked again before the pieces go back
Lending against jewellery needs the licence your state requires, such as a money-lending or pawnbroker licence. SeeJewel keeps your records and does the arithmetic; it does not lend money or give legal advice.
गिरवी हिसाब, अब SeeJewel में
हर गहने का वज़न, शुद्धता की जाँच (कसौटी, XRF, एसिड या हॉलमार्क) और फ़ोटो; ग्राहक का नाम, पिता या पति का नाम, मोबाइल, पता और आधार के सिर्फ़ आख़िरी चार अंक; आज के भाव पर मूल्य; ब्याज आपके नियम से, ₹ प्रति सैकड़ा प्रति माह; देय तारीख़ से पहले WhatsApp या SMS पर याद; और छुड़ाते समय दोबारा वज़न का मिलान। सब कुछ एक रजिस्टर में, गिरवी रसीद के साथ।
Asked by jewellers.
What is girvi?
Girvi (गिरवी) is a loan a jeweller gives against jewellery the customer leaves with the shop. The pieces are weighed, tested and valued, the customer receives the loan and a girvi slip, interest runs at an agreed rate per ₹100 a month, and the pieces go back when the loan and interest are paid.
How is girvi interest calculated?
By the rate per ₹100 a month and the months the loan ran. SeeJewel counts calendar months from the pledge date; the days left over follow your rule (exact days, half a month up to 15 days, or any part month as a full month), with a minimum period on the first stretch. Interest is simple, or added to the loan once a year if you choose compound.
What does ₹2 sainkda mean?
₹2 for every ₹100 each month: 2% a month, or 24% a year on simple interest. ₹1.5 sainkda is 18% a year.
Does SeeJewel remind my customers?
Yes. Girvi due within a week, and overdue girvi each week, appear in the reminders list. One tap opens WhatsApp or SMS with the amounts and the customer’s statement link written in; you press send.
Can the customer check the amount themselves?
Yes. Each girvi has a private statement link, printed on the slip and sent with reminders, showing the loan, the interest till today and the amount to release. It is not listed on search engines.
Is the customer’s Aadhaar safe?
SeeJewel keeps only the kind of ID and its last four characters, never the full number. ID and customer photos are private and open only for people with finance rights, through links that expire.
Can I record how the gold was tested?
Yes. For each piece choose not tested, touchstone, XRF machine, acid test or hallmark accepted, and enter the purity found. The value uses the tested purity when there is one.
Do I need a licence for girvi?
Lending against jewellery needs the licence your state requires, such as a money-lending or pawnbroker licence. SeeJewel keeps your records and does the arithmetic; it does not lend money or give legal advice.
Is Girvi part of SeeJewel?
Yes. Girvi is in the Ultra Premium and Enterprise packages, and in the Enterprise one-time licence. It sits in the SeeJewel dashboard beside billing, stock, CRM and the inbox, with the same logins and roles.
See Girvi on your own counter.
Fifteen minutes: one girvi from weighing to the slip, the interest worked out your way, and a reminder sent.