How to Record a Pawn Pledge & Calculate Interest in Girvi
Step-by-step walkthrough for opening a new loan record, logging gold/silver weight & purity, calculating monthly interest, and saving collateral details.
Read GuideAvailable on Google Play100% Offline
Girvi
Pawn Loan & Interest Manager
Girvi is purpose-built for the day-to-day rhythm of pawn and gold loan businesses. It manages the entire pledge lifecycle—from instant collateral recording and monthly interest computation to top-ups, partial payments, loan renewals, and redemptions. All data remains strictly inside the device's sandboxed SQLite/Room database with zero cloud dependencies.
Audience & Use Cases
Who this application is built for
Designed around the actual operating rhythm of Indian businesses, eliminating generic software bloat.
- Pawn shops & pawnbrokers
- Retail jewellers offering gold loans
- Goldsmiths managing pledged items
- Licensed moneylenders (sahukars)
Technical Architecture
Local-First Privacy & Storage
Database Engine
Room DB v12 (SQLite) with 12 manual schema migrations & ACID transactions
Internet Requirement
100% Offline; Zero INTERNET Permission in AndroidManifest
Network Disclosures
The AndroidManifest declares zero INTERNET permission. Absolutely no network sockets exist in the data layer; defensive network security configuration blocks all cleartext traffic. Google Play Billing v7 verifies in-app entitlements, and plain-text itemized receipts dispatch to WhatsApp via Android URI intents.
Backup & Migration
Dual-mode AES-256-GCM backups (.gbackup ZIP archive): Hardware Android Keystore 'DEVICE_KEY' for same-device protection, and PBKDF2 100,000 iterations 'PASSWORD_KEY' ('PBK2' magic header) for cross-device migrations. Automated daily background execution via WorkManager.
Genuine Application Screens
Girvi in action
Explore verified screens captured directly from physical Android devices.
Genuine App Screenshot1 of 5
Girvi Dashboard — Active Loans & Business Reports
Live dashboard: total active loans, outstanding principal masked for privacy, and instant business report access.
WorkflowDashboard
Verified Mathematical & Statutory Engines
Experience the Core Calculation Logic
Test the exact mathematical, retail tax, and statutory limitation formulas executed instantly on-device inside VaidikTech Android apps without any server latency.
₹50,000
1.50% / month
75 Days
₹5,000
Live Pledge LedgerOffline Verified
Pledged Principal:₹50,000
Accrued Interest (75 Days):+₹1,875
Partial Deductions Made:-₹5,000
Net Counter Redemption:₹46,875
Feature Inventory
Verified features & capabilities
Every feature listed below is verified in the application source code. No unverified claims.
Pledge Lifecycle Management
Quick 30-Second Pawn Entry
Record customer details, government ID (Aadhaar/PAN/Voter ID), item description, gross & net weight, and gold/silver market rate per gram.
Loan Renewals & Capital Top-ups
Seamlessly renew maturing loans upon interest settlement or extend additional principal capital (top-ups) with chronological timeline audit.
Partial Principal & Interest Ledger
Dedicated payment ledger recording cash payments against accrued interest or principal reduction with instant balance recalculation.
Redemption & Forfeiture with Undo
Mark loans as redeemed upon collateral return or forfeit defaulted pledges after statutory notice, both with 5-second instant undo protection.
Dual Interest Engines & Calculations
Simple Monthly Interest
Contracted monthly interest calculation ((P × R% × M) / 100) standard across Indian pawn and gold loan businesses.
Day-Accurate 'As of Today' Accrual
Live daily interest calculation ((Monthly Rate / 30) × Elapsed Calendar Days) ensuring exact counter settlements.
Standalone Calculator & calc_history
Simulate loans for walk-in shoppers with complete calculation history saved in the local Room database.
Customer CRM & Collateral Photos
Customer Directory & Multi-Loan Tracking
Comprehensive borrower khata profiles linking multiple active, redeemed, and forfeited pledges to a single customer.
Sandboxed CameraX Photography
Capture up to 10 high-resolution photos per pledge, stored strictly in app-private internal storage with thumbnail caching.
Business Reports, Security & Language
5-Tab Business Intelligence Dashboard
Daily Cashflow Summary, Monthly Capital Trends, Outstanding Collateral Analysis, Customer CRM Analytics, and Item-Type Distribution.
Argon2id & 2-Layer Account Recovery
Bouncy Castle Argon2id password hashing, 5-attempt brute-force lockout, 3 security questions, and system-generated 6-digit emergency recovery PIN.
Hardware Biometric App Lock
Instant BiometricPrompt fingerprint and device PIN lock triggering automatically when the app is backgrounded for 30+ seconds.
Full Bilingual UI (English & Hindi)
728 verified pawnbroking terms covering every screen, dialog, and receipt in English and Hindi (हिन्दी).
1-Tap WhatsApp Customer Receipts
Itemized text receipts formatted with Shop Name, Loan Ref, Weight, Principal, Interest, and Balances dispatched via Android intent.
Roadmap & Features in Development
The following items are under active development or awaiting final owner approval:
- Automated cloud backup to personal Google Drive (currently local ZIP only)
- Multi-device shop sync across counters (currently single-device only)
Transparent Pricing
Simple, affordable pricing plans
Free tier up to 25 active transactions, with affordable in-app upgrade plans.
Free Starter
₹0/Lifetime
Perfect for testing the app with initial shop records.
- Up to 25 active pledge transactions
- Complete pledge lifecycle & renewals
- Interest calculator & daily reports
- English & Hindi support
Monthly Pro
₹49/per month
Flexible pay-as-you-go subscription with 7-day free trial.
- Unlimited active transactions
- CameraX item photo attachments
- AES-256-GCM encrypted backups
- Biometric App Lock
- WhatsApp receipt sharing
Most Popular
Yearly Pro
₹399/per year
Most popular choice for active jewellery and pawn shops.
- Everything in Monthly Pro
- Save over 32% compared to monthly
- Priority customer email support
- Uninterrupted yearly operation
Lifetime License
₹1,199/one-time payment
One single payment for lifetime access without recurring fees.
- Everything in Yearly Pro
- No recurring monthly or annual renewals
- All future offline feature updates included
All pricing is handled directly through Google Play In-App Billing. Local taxes and currency conversions apply based on your Google account region. Note that numerical prices require confirmation against your live Google Play Console. Last verified: October 2026 (Verify active Google Play SKUs before launch).
Device Requirements
Compatibility & system requirements
Runs on almost all modern Android phones and tablets sold in India.
Operating System
Android 7.0 (Nougat / API 24) to Android 15 (API 36)
Framework & Language
Native Android · Kotlin 2.1 · Room DB v12 (SQLite)
Internet Connectivity
100% Offline
Support & Inquiries
Help & Answers
Frequently asked questions about Girvi
Yes, 100% safe. All your borrower records, pledged gold weights, and cash ledgers reside exclusively inside your phone's private Android sandbox. The app manifest contains zero INTERNET permissions, meaning no data is ever transmitted to remote servers, third parties, or cloud databases.
Practical Tutorials
All Help Centre GuidesGirvi user guides
Managing Loan Renewals, Capital Top-Ups, Partial Payments & Redemptions
Complete lifecycle management for active pawns: handling partial cash installments, capital top-ups, renewing maturing loans, or releasing collateral upon full settlement.
Read GuideCreating Encrypted Backups & Migrating Girvi to a New Phone
Protect your shop data with AES-256-GCM encryption and learn how to safely restore your records during a phone upgrade or device change.
Read GuideForgot Password & Security Recovery in Girvi
Learn how to reset your shop credentials using security questions or your 6-digit emergency PIN with built-in brute-force protection.
Read GuidePawn Collateral Photography with CameraX in Girvi
Capture up to 10 high-resolution photos per pledge, stored safely in private app-sandboxed storage without cluttering your phone gallery.
Read GuideSecuring Counter Data with Biometric & PIN App Lock
Configure Android BiometricPrompt fingerprint and device PIN lock that automatically shields your shop records whenever the app is backgrounded.
Read GuideSwitching Between English and Hindi (हिन्दी) in Girvi
Full localized support with 728 verified pawn terms covering every screen, receipt, and dialog in English and Hindi.
Read GuideAnalyzing Cashflows & Portfolio Reports in Girvi
Master the 5-tab business intelligence dashboard: Daily Summary, Monthly Cash Flow, Outstanding Capital, Customer Directory, and Item Type Portfolio.
Read GuideCustomer Khata & Multi-Loan Tracking in Girvi
Manage borrower profiles, link multiple pawn loans to a single customer, store government IDs, and view consolidated borrow history.
Read GuideUsing the Standalone Pawnbroker Interest Calculator & History
Simulate interest scenarios for walk-in customers, compare monthly percentage versus daily calculations, and review saved calculation history.
Read GuideGenerating 1-Tap Professional WhatsApp Receipts in Girvi
Dispatch formatted, itemized loan acknowledgements, renewal confirmations, and settlement receipts to customers directly over WhatsApp.
Read GuideRestoring Girvi Backups on Fresh Install vs Existing Setup
Complete troubleshooting guide for restoring .gbackup / ZIP archives from the login screen or settings with cryptographic integrity verification.
Read GuidePrivacy & Trust
Experience Girvi on your Android device
Read our dedicated Girvi Privacy Disclosures to understand our strict local-only data architecture.