Gold savings scheme software, instead of a card in a drawer
Define the plan once — monthly amount, duration, bonus months free — and the app shows the total months and the total the customer will have paid in by maturity. Enrolments and collections are tracked against it, not against a printed card that can be lost.
The scheme is a promise you have to be able to prove
A monthly gold savings scheme is one of the strongest things a jewellery shop can offer: the customer commits to coming back every month for a year. It is also a liability that runs for that entire year, and most shops track it on a printed card the customer carries and a register the shop keeps — two copies that can disagree.
Varadhi Gold holds the plan itself as a record: the monthly amount, the duration in months, and any bonus months free you are offering. From those it shows total months and total collected at maturity, so a plan is designed with its full cost visible rather than discovered later.
Customers are enrolled against a plan, and their instalments are recorded against the enrolment. When maturity comes, what was paid in is a fact in the system, not a reconciliation exercise.
What the module does
On the scheme plans screen
- Plan name and description, so customers and staff are talking about the same thing.
- Monthly amount in rupees.
- Duration in months.
- Bonus months — the free months, shown separately as the incentive they are.
- Total months — duration plus bonus, calculated.
- Total collected — what a customer on this plan will have paid in by the end, calculated.
- A count of how many plans are configured, with each plan shown as its own card.
Setting up and running a scheme
A plan, as the app shows it
A plan with a monthly amount, a duration in months and a badge showing the bonus months free. Underneath, the app has already worked out total months and total collected — what a customer on this plan will have paid in by the time it matures. The offer and its cost sit on the same card.
Frequently asked questions
Can I offer bonus or free months?
Yes, bonus months are part of the plan definition. Total months and the total a customer will pay in are recalculated to include them, so the incentive is priced before you launch it, not after.
Can I run more than one scheme at a time?
Yes. Plans are separate records and the screen shows how many you have configured, each as its own card, so a shop can run a small plan and a large one side by side.
How are customers enrolled?
A customer is enrolled against a plan, and their instalments are recorded against that enrolment — so the scheme lives in their customer history rather than on a separate card.
What happens at maturity?
What the customer has paid in over the term is already held in the system, so redeeming it against jewellery is a lookup rather than a reconciliation.
Where is my shop's data stored?
In India. Our servers are in a Mumbai data centre. Your customer records, loan book and bills stay yours — we never share them with third parties, and you can export everything to Excel whenever you want.
Can my staff use it without seeing everything?
Yes. Each staff member gets their own login, and every entry is tagged with who made it. You as the owner see the whole shop; staff see only what you allow. That works the same for a single counter and for branches in different towns.
What if I want to stop using it?
Send one WhatsApp message. We export your full data to Excel, hand it over, and that is that. No contract, no lock-in, no retention phone calls. The no-card-required promise applies on the way out too.
Related modules
Run your scheme without the shoebox
See plans, enrolments and collections in a 20-minute demo.