Sunaar Khata: Girvi & Khata

Sunaar Khata (सुनार खाता) is a comprehensive digital record-keeping, accounting, and shop-management application designed exclusively for retail jewellers, sarafa merchants, and bullion shop owners in India. Say goodbye to fragile paper bahi-khata, lost diaries, and manual calculation errors. Manage your jewellery store with 100% digital accuracy, secure cloud backups, and offline support. 🌟 KEY FEATURES FOR JEWELLERS: ⚖️ 1. Girvi (Pawn / Pledge) Bookkeeping • Record gold and silver ornaments with gross weight, net weight, and purity (karat). • Attach photographs of pledged jewellery items directly using your phone's camera. • Automatic monthly and yearly interest calculation (सरल व चक्रवृद्धि ब्याज). • Generate professional Girvi parchis and payment receipts to share via WhatsApp. • Track active pledges, interest dues, and redemption dates. 🧾 2. Jewellery Sales Bills & Estimates • Generate clean GST and Non-GST sales invoices. • Itemized breakdown for gold, silver, making charges (मेकिंग चार्ज), and hallmarking tags. • Instant PDF generation and thermal printer receipt sharing. 📒 3. Customer Ledger & Udhar/Jama • Maintain individual credit/debit ledger accounts for regular customers. • Complete transaction timeline with dates, notes, and payment modes. • Send payment reminder summaries directly to customers on WhatsApp. 🪙 4. Cash Daybook (दैनिक रोकड़) & Metal Stock • Daily cash-in / cash-out drawer (गल्ला) management. • Real-time stock register for physical gold and silver inventory balance in your vault. • Old gold buyback register to track scrap melting, purity, and touch loss. ⚡ 5. Live Market Benchmark Rates • Real-time spot gold and silver reference rates across 17+ Indian sarafa hubs (including Agra, Delhi, Mumbai, Jaipur, Rajkot). • City-specific premium and discount reference spreads. 👑 6. Swarna Yojana (11-Month Gold Scheme Passbook) • Digital passbook to track in-store customer monthly jewellery purchase advances. • Automated installment reminders and installment completion logs. 🔒 7. Bank-Grade Security & Auto Backup • Hardware-backed biometric lock (fingerprint unlock) using Android Keystore. • Automated midnight cloud backup to Google Firebase. • 100% offline capability: work seamlessly even without an internet connection. ──────────────────────────── ⚠️ REGULATORY & POLICY DISCLAIMERS: 1. NOT A LENDING INSTITUTION: Sunaar Khata is strictly an accounting, calculation, and bookkeeping record-management tool for retail shopkeepers. This application DOES NOT provide personal loans, peer-to-peer credit, cash advances, or financing to the public. All pledge records represent offline physical transactions entered by the merchant for their own internal records. 2. GOLD SCHEMES DISCLAIMER: The gold scheme feature is purely a digital passbook tracking tool for physical store advances. Sunaar Khata does not collect, hold, pool, or manage customer funds, deposits, or investments. 3. MARKET RATES DISCLAIMER: All gold, silver, and commodity rates displayed are indicative spot reference prices sourced from third-party wholesale feeds for calculation and informational purposes. Sunaar Khata is not a commodity exchange or trading broker and does not facilitate financial trading or commodity futures. ──────────────────────────── 📞 Support & Inquiries: Developer Email: [email protected] Privacy Policy: https://sunaar-khata-apk.krishangopalsh2424.workers.dev/privacy-policy.html