01
Your own branded customer app
Gold saving and chit schemes in a mobile app with your showroom's name — customers see their passbook and pay instalments by UPI.
Chit & schemes
Schemes that fill your showroom — run end to end
Gold saving and chit schemes bring customers back month after month. But collection registers, passbooks and reminder calls eat your staff's day — and a missed entry is a trust problem, not just a number.
What it saves
A scheme customer comes back twelve times a year. Don't lose one to a lost entry.
Every instalment, every member, every maturity — recorded once and visible to you and the customer. The reminders go out on their own, the passbook updates itself, and the money reconciles automatically.
The product
One module for gold saving and chit
02
Reach beyond your four walls
This is where technology really earns its keep. Your branded app lifts the geography off your showroom — a customer joins a scheme and pays from home, and a happy customer becomes your introduction to the next. Your reach is no longer limited to who can walk in today.
03
Online payments, three gateways
Customers pay instalments through Cashfree, CCAvenue or Razorpay — the money reconciles against the member automatically.
04
Collection & passbook
Counter or online, every payment updates the passbook instantly — printed passbooks too, when the customer wants one.
05
Advanced reports & reminders
Who's due, who's lapsed, who's maturing — the whole scheme book at a glance, with reminders that go out on their own.
And, at the same counter
Incentives — calculated by ruleMaturity trackingPrinted passbooksIn-app + SMS reminders
From enrolment to maturity
- Enrol in a minute — counter or app
Sign a customer up at the counter, or let them join from your branded app — the scheme, the amount, the term. No trip to the showroom needed.
- They pay, from anywhere
Counter cash, or UPI in the app. Either way it hits the passbook and your books at once.
- Maturity, with no surprises
The system tracks every member to maturity, applies incentives, and tells you exactly what's owed.
Questions jewellers ask us
Do jewellers really run their own app, or is this just a promise?
It's real and live. Jewellers across Tamil Nadu already run their own branded scheme apps on Google Play and the App Store — Rasi DigiGold, Sri Parvathi's DigiGold, Sri Kamatchi Jewellers and many more. See the full list on our customers page.
Is the customer app really under my brand?
Yes — your showroom's name and identity. To your customer, it's your app, not ours.
Can customers join a scheme without coming to the shop?
Yes — that's the point. With your branded app a customer can start a scheme and pay instalments from home, and an existing customer can bring in a new one. Your reach is no longer limited to who can walk into the showroom today.
Which payment gateways are supported?
Cashfree, CCAvenue and Razorpay. Customers pay instalments by UPI or card; the payment reconciles against the member automatically.
Does it do both gold saving and chit?
Both — one module covers gold saving schemes and chit funds: collection, passbook, incentives, advanced reports and the customer app.
What if a customer misses an instalment?
They're flagged automatically, reminders go out, and you see the whole due/lapsed picture in reports — nothing slips through.
Explore more of JewelGrow
See your own scheme app, with your brand
A demo takes 30 minutes — we'll show a scheme running from enrolment to a UPI instalment to the passbook. In your language, near you.