Give your customers a simple digital way to save, pay and stay connected with your jewellery business — while you manage schemes, collections and customers from one powerful platform.
From customized customer mobile apps and automated 11+1 saving schemes to live bullion rates and secure vault backing — everything your jewellery business needs to scale effortlessly.
Automate monthly saving schemes, bonus rules & zero passbook disputes.
Real-time control, multi-branch tracking & data-driven retail growth.
Your brand identity, your custom logo & direct connection on Play Store.
100% savings redeemed exclusively at your showroom counter for jewellery.
100% physical bullion backed by institutional vaults & 24K 999.9 purity.
Safe, instant micro-saving in 24K Gold & 999 Silver starting from ₹10.
Manage your custom city store bullion rates with instant margin control.
Daily, weekly or monthly automated SIPs with instant digital passbook.
Empower your jewellery showroom with a branded mobile app that converts casual shoppers into committed monthly gold savers, streamlines digital payments, and guarantees showroom sales footfall.
Digitize your monthly jewellery saving scheme. Eliminate paper passbook hassles, collect instalments automatically on time, and lock 100% of purchases to your showroom.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| Passbook & Tracking | Paper passbooks get lost or torn; manual register entries cause calculation disputes. | 100% digital passbook in your branded app with live bonus tracker and instant PDF receipts. |
| Monthly Kisht Collection | Customers miss instalments when they cannot visit your showroom in person every month. | 24/7 in-app payments via UPI, Debit Card, Netbanking, or automated monthly UPI AutoPay. |
| Guaranteed Walk-in | Customers demand cash refunds or switch to competitor jewellers at scheme maturity. | 100% of accumulated funds convert exclusively into hallmarked jewellery at your store. |
| Counter Redemption | Manual passbook matching creates long cashier queues and risks duplicate voucher claims. | 10-Second OTP-verified redemption voucher settled directly at your billing counter. |
11 Paid + 1 Bonus Month
Guaranteed Showroom Footfall
Attract young buyers and stop third-party fintech leakage. Let customers accumulate 24K 999.9 pure gold in small amounts and exchange it for hallmarked jewellery at your counter.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| Young Buyer Entry | High ticket size (₹15,000+) keeps younger buyers away from physical showrooms. | Micro-savings from ₹10 or 0.1 gram at live rates, turning first-time savers into lifelong customers. |
| Third-Party App Leakage | Customers buy gold on PhonePe/Paytm and sell for cash — local jewellers get zero business. | Gold saved in your branded app is 100% redeemable for jewellery in your showroom. |
| Live Bhav & Margin | Fast market price swings create manual quoting errors and rate arbitrage risk. | Automated real-time bullion rates with your customized buy/sell margin spread. |
| Physical Vault Trust | Stocking small coins creates inventory overhead and counter management hassles. | 100% insured 24K 999.9 gold vault backing with transparent digital customer passbooks. |
Instant Market Price Sync
Convert to Hallmarked Jewellery
Display bridal sets, daily wear, and trending jewellery directly on your customer's phone. Enable customers to pick their favorite design and start saving for it immediately.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| After-Hours Browsing | Showrooms shut at 9 PM; customers look at competitor websites and Instagram for jewellery. | 24/7 digital showroom in the customer's pocket featuring your store's latest designs. |
| WhatsApp Photo Clutter | Staff wastes hours sending unorganized photos on WhatsApp with missing weight and purity details. | Clean HD catalogue showing gross weight, net weight, purity (18K/22K), and making charges. |
| Store Pre-Booking | Casual phone inquiries rarely convert into confirmed showroom visits or sales. | 1-Tap in-store design reservation linked directly to customer's scheme savings balance. |
| Festive Launch Cost | Costly printed brochures quickly become outdated due to changing gold prices and designs. | 1-Click instant digital launch broadcasted directly to all registered saving scheme customers. |
Rings, Necklaces & Bangles
Direct Showroom Enquiry
Stop calling customers for pending dues. Automated UPI AutoPay e-mandates collect daily, weekly, and monthly gold instalments on time and deposit funds directly into your bank account.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| Staff Follow-up Burden | Staff spends days calling customers for late instalments instead of attending store footfall. | NPCI-certified UPI 2.0 AutoPay automatically debits instalments on time with 99.4% success. |
| Galla & Liquidity | Cash collection spikes only on month-ends, making daily stock planning and karigar payments tight. | Predictable daily, weekly, and monthly cash inflow settled straight into your current bank account. |
| Scheme Dropouts | Up to 35% of manual passbook schemes stop midway because customers forget payment dates. | Timely WhatsApp reminders with 1-tap pause, resume, and top-up ensure 100% completion. |
| Counter Handling | Cashier spends valuable time counting small cash deposits and writing paper vouchers. | Zero counter lines for instalment deposits; automated digital ledger entries and instant receipts. |
Zero Payment Drop-offs
Predictable Cash Flow Inflow
Command your entire jewellery saving operations from a single dashboard. Real-time multi-branch collection analytics, instant 11+1 scheme creation, digital KYC approvals, and live bullion rate management.
Track every rupee collected across multiple showroom branches in real time. Monitor daily turnover, active savers, upcoming scheme maturities, and store performance on one screen.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| Multi-Branch Galla | Store owners wait until late evening for branch managers to send collection registers. | Live collection counter tracking total galla, new scheme signups, and branch revenue in real time. |
| Maturity & Stock Planning | Sudden scheme completions cause jewellery stock shortages and counter cash crunch. | 30, 60, and 90-day maturity pipeline to prepare bullion inventory and karigar orders in advance. |
| Bank & Ledger Matching | Matching cash slips, card swipe settlements, and UPI UTRs takes days of manual effort. | 99.8% automated reconciliation with 1-click Tally, CSV, and GST-compliant reports. |
| Inactive Saver Alerts | Jewellers realize too late when regular customers stop paying their monthly instalments. | Instant alerts for overdue accounts with automated WhatsApp triggers to recover pending dues. |
Real-Time Collection Sync
Zero Manual Discrepancies
Launch and manage custom jewellery saving schemes without any IT developer. Set bonus ratios, tenures, weight-locking rules, and festive campaigns directly from your portal.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| Scheme Setup Speed | Launching new schemes requires outside IT help, taking weeks of delay and heavy fees. | 2-Minute no-code scheme builder: set tenure, bonus, and minimum instalments instantly. |
| Rupee vs Weight Model | Old software only supports fixed rupee amounts; cannot handle live gold weight-locking. | Choose between fixed monthly rupee savings or live daily gold gram accumulation. |
| Grace Period & Rules | Staff confusion and customer disputes over late penalties or pre-closure bonus cuts. | Transparent automated rules for grace days, penalty waivers, and bonus calculations. |
| Festive Promotions | Inability to quickly push short 6-month or 9-month plans for Diwali or Dhanteras. | 1-Click festive plan launcher with attractive in-app banners and WhatsApp promotions. |
Custom Rules & Tenures
Diwali & Akshaya Special Plans
Maintain 100% control over customer accounts and showroom staff. Instant digital KYC document approvals, multi-branch employee permissions, and immutable audit logs.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| KYC Document Safety | Paper copies of PAN/Aadhaar in files risk misplacement, theft, and audit penalties. | Encrypted digital KYC vault with 1-click preview and instant approval or rejection. |
| Staff Access Rights | Shared logins among staff risk unauthorized ledger edits or customer phone number leaks. | Role-based access for managers, cashiers, and accountants with isolated branch limits. |
| Customer 360° Profile | Customer data scattered in old registers; no history of accumulated gold weight or habits. | Unified profile: active schemes, total gold saved, nominee details, and VIP buyer tags. |
| Audit & Fraud Prevention | No way to trace who edited a cash entry or authorized a counter scheme discount. | 100% timestamped audit logs of every staff login, entry change, and voucher redemption. |
Aadhaar & PAN Verified
Manager, Cashier & Auditor
Take complete control over your customer mobile app. Update daily bullion buy/sell rates, set profit margin spreads, verify store redemptions, and send instant WhatsApp alerts.
| Key Aspect | Traditional Problems | Kuberjee Gold Solution |
|---|---|---|
| Live Rate Master | Manually updating store boards creates rate mismatches and arbitrage loss during market spikes. | 1-Click live bullion rate updater for 22K/24K Gold & Silver with custom margin spreads. |
| Store Voucher Safety | Risk of duplicate or fake paper passbooks presented for jewellery redemption at counter. | Mandatory two-step OTP validation on customer's phone before cashier approves redemption. |
| Customer Broadcasts | Costly bulk SMS that customers ignore or land in spam with less than 5% open rate. | Automated official WhatsApp messages and In-App Push alerts with 90%+ read rates. |
| Emergency Kill-Switch | No way to pause digital bullion booking during extreme international market crashes. | 1-Tap emergency rate pause switch, mandatory app updates, and session security lock. |
22K / 24K & Silver Margin
Festive Offers & Rate Broadcasts
See how launching a branded digital Gold Saving platform transforms your monthly cash flow, customer retention, and annual jewellery sales turnover.
Total Scheme Volume
₹ 2.75 Cr
Guaranteed Walk-ins
470 Walk-ins
Kuberjee Gold gives jewellery businesses the technology to create a modern digital Gold Saving experience under their own brand. You manage the customer relationship and the jewellery business; Kuberjee Gold powers the technology behind it.
Designed to support single-store boutique jewelers as well as multi-city retail chains with high security and regulatory compliance.
"Switching from paper passbooks to our own branded gold app has been a game-changer. Our monthly collections doubled within 4 months because customers can now pay easily via UPI anytime."
"The automated WhatsApp reminders eliminated 90% of our manual follow-up calls. Our scheme default rate dropped to near zero, and customers love tracking their bonus progress."
"The jeweller admin portal gives us instantaneous visibility across all our branch collections and upcoming maturity vouchers. It's the most polished fintech platform built for jewelers."
Give your customers a modern saving experience and give your team the technology to manage it efficiently.