Business overview
Good morning
Here is your jewel loan portfolio at a glance.
Active loans
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Live count will appear after database integration
Principal outstanding
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Calculated from principal ledger
Interest collected
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Based on posted payment entries
Maturing / overdue
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Based on loan maturity dates
Portfolio activity
Chart activates after data integrationDisbursementCollections
Illustrative chart layout only. No business figures are populated in this prototype.
Loan status overview
Live status summaryActive
Currently running loans
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Maturing soon
Within configured alert period
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Overdue
Past maturity date
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Closed
Settled and released
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Recent transactions
No transactions yet. Transaction records will appear here after database and payment modules are connected.
Customer records · Live database
Customers
Create, search and maintain customer master records. Customer records are stored in the JewelLedger database.
Customer register
| Customer ID | Customer name | Mobile | Location / Address | Linked loans | Status | Action |
|---|---|---|---|---|---|---|
| Loading customer records… | ||||||
Customer registration
Loan origination
New jewel loan
Capture customer, pledge, valuation and loan terms.
01 · Customer and loan details
02 · Gold pledge details
03 · Loan and interest terms
Locked rule: Custom monthly rate per loan. Any incomplete monthly period is charged as a full month, subject to the agreed due-date convention. Valuation and eligibility rules must be configured in accordance with applicable law.
Portfolio records
Loan register
Search and review all loan accounts.
All loan accounts
| Loan ID | Customer | Loan date | Principal | Rate / month | Principal due | Maturity | Status |
|---|---|---|---|---|---|---|---|
| Loan register is empty until real loan records are created. | |||||||
Pledged asset custody
Gold pledge inventory
Item-level identification and physical packet tracking.
Pledge packets
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Linked to active loans
Total net gold weight
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Grams
Items released
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After verified closure
Custody exceptions
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Requires reconciliation
Item-wise pledge register
| Loan ID | Packet no. | Item description | Gross wt. | Net wt. | Purity | Custody status |
|---|---|---|---|---|---|---|
| No pledged items recorded. | ||||||
Cash and collection desk
Payment collection
Record principal and interest collections with explicit manual allocation.
New payment entry
Mandatory validation: Interest allocation + principal allocation must equal total amount received. The system will not choose the allocation for you. Allocations cannot exceed the applicable outstanding balances. Posted payments will be immutable; corrections will use reversal entries.
Payment history
No posted payments yet.
Monthly accrual ledger
Interest management
Review interest due, accrued, collected and pending by loan.
Interest accrued
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Calculated from loan terms
Interest collected
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Posted collections only
Interest pending
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Accrued less allocated receipts
Loans due for interest
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Based on monthly due dates
Locked interest policy
ConfirmedRateCustom per loan / month
Partial monthFull monthly charge
Combined payment allocationManual
Principal and interest ledgersSeparate
The exact monthly anniversary, short-month, end-of-month and due-date rules must be confirmed in calculation-engine implementation. This prototype does not calculate interest.
Loan-wise interest ledger
Interest ledger entries will appear after loan and payment data are connected.
Loan continuation
Renewals
Extend eligible loans while preserving the original loan and transaction history.
Renewal entry – interface preview
Renewal policy, new agreement requirements and whether a renewal creates a new loan ID will be finalised before implementation.
Renewal history
No renewals recorded.
Settlement and release
Loan closure
Verify settlement, close the account and document jewellery release.
Closure verification – interface preview
Closure must be blocked unless the account is fully settled, all pledged items are reconciled, and release verification is recorded. A closed loan remains available in history.
Closed loans
No closed loans recorded.
Business intelligence
Reports & accounts
Operational and financial reporting for your loan business.
▤Loan registerActive, closed and overdue
₹Daily cash bookReceipts and disbursements
↗Interest incomeAccrued and collected
◇Gold inventoryPledged and released items
Report catalogue
Loan disbursement reportDate-wise / customer-wise
Principal outstanding reportLoan-wise / total
Interest collection reportPeriod-wise
Payment and receipt registerMode-wise
Daily cash bookOpening / inflow / outflow / closing
Maturity and overdue reportDue-date based
Loan closure and release reportSettlement audit
Business expense reportCategory-wise
System configuration
Settings & backup
Business profile, calculation policies and data protection.
Business profile
Interest policy – locked baseline
Rate configurationCustom per loan
Partial monthFull month
Combined paymentManual allocation
Principal ledgerSeparate
Interest ledgerSeparate
Interest policy changes must be versioned and must not alter existing loan contracts or historical entries.
Data backup and recovery
Database backup, integrity checks, restore testing and encrypted backup options will be implemented with the backend.
Security and audit
Single-user accessPlanned
Application authenticationTo implement
Audit trailTo implement
Database encryption / protectionTo assess
Automatic session lockTo implement