The problems every gold loan shop knows
You don't know how much interest is owed to you right now
The old software calculates days and interest per pledge. Nobody adds it up. Across a typical book, lakhs of accrued interest sit uncollected. You only find out on settlement day.
Gold price moves; your loan book doesn't warn you
Pledges made at a high rate per gram quietly turn risky when the market moves. No screen tells you which loans are close to underwater.
Registers and returns are written by hand, again and again
Pledge book, sale book, the half-yearly Form M to the Tahsildar. Every entry copied by hand from records the software already has.
Staff can see everything, or nothing
One shared login means the collections boy sees the owner's numbers. There are no roles, no audit trail and no accountability.
What Adagu does about them
The owner's money dashboard · பணக் கண்ணோட்டம்
- Interest owed to you, customer by customer, accrued and uncollected
- Live gold-rate LTV alarm: every pledge above your risk line, ranked
- Today's collections, disbursals and dues, on your phone
- Your funding position: own capital against borrowings, always current
Statutory compliance, generated · சட்டப்படி பதிவேடுகள்
- One-click Form M half-yearly return (TN Pawnbrokers Rules 4B)
- Pledge book (Form E), sale book (Form G), redemption receipts (Form H)
- Bilingual pawn tickets. Tamil is the record language the Act itself names
- Every register printable, exactly when the inspector asks
Auction workflow · ஏல நடைமுறை
- Eligible pledges tracked past due + grace automatically
- RDO application list generated in the triplicate format
- 80% gold-content upset price computed per pledge
- Surplus owed to the pawner tracked with the 30-day intimation
Built for the counter · கடைக்கு ஏற்றது
- Tamil-first screens designed for staff who aren't computer people
- Four big buttons: new loan, receive interest, close loan, find customer
- Customer photos front and centre. Faces, not file numbers
- Loan desk, collections and accountant roles, so each person sees only their own work
An honest answer to “what if it gets hacked?”
Pawnbrokers guard other people's gold. We built Adagu the same way.
Your own private server
Every shop runs on its own isolated instance at yourshop.adagu.consign.tech. Your data is never mixed with anyone else's, and you can point your own domain at it if you prefer.
Even we can't get in without your permission
Support access works only when you grant it, for 24 hours, 3 days or 7 days, and every page we open is listed for you. You can revoke it with one tap. No grant, no way in.
Your books come home every night
Automated backups, plus a printed day book that matches the ledgers you already trust. Your data is always exportable. It belongs to you, not to us.
Simple pricing, monthly or yearly
Less than one month's interest on a single average pledge. Pay for the year and two months are free. One-time onboarding of ₹10,000 to ₹15,000 covers full history migration and training at your shop.
Adagu Standard
or ₹15,000 a year. Two months free.
- 1 shop · 3 staff logins
- Up to 1,000 active pledges
- Money dashboard + LTV alarm
- Form M, pledge/sale books, pawn tickets
- Daily digest to the owner (Telegram/email)
- Nightly backups
Adagu Pro
or ₹24,000 a year. Two months free.
- Everything in Standard
- 6 staff logins · up to 3,000 active pledges
- Full auction workflow with RDO paperwork
- UPI payment matching: every UPI receipt checked against your bank statement
- All add-ons available (see below)
- Priority support
Adagu Custom
For families running more than one shop.
- Run any number of shops. Staff see only their own shop
- The owner sees every shop's money in one dashboard
- Choose your staff count and pledge capacity
- Pick your add-ons (below)
- Dedicated onboarding for every branch
Add-ons for any plan: WhatsApp payment reminders · Telegram alerts · SMS reminders · Email digests · VPN-only access
See your own shop in Adagu
Bring one backup of your current data. We will show you your real book, including the interest owed to you today, before you pay a single rupee.