Gold Billing with Making Charges & Wastage
Prepare accurate gold bills with purity rates, gross & stone weights, making charges, and wastage percentages. Review tax summaries before saving the bill.
Try the jewellery bill calculator →
SwarnKosh POS · Complete Jewellery ERP & Billing for Indian Jewellers
Jewellery POS, Inventory &
Girvi Software for Indian Jewellers.
SwarnKosh POS is the complete showroom management engine. Handle gold & silver counter billing, barcode jewellery tag printing, Girvi gold loan pledging with auto-interest, stock inwards, WhatsApp PDF invoices, and CA-ready GSTR reports—100% offline with zero cloud dependency.
100% Offline Counter Billing
Girvi / Gold Loan Engine
Barcode Tag & Thermal Printing
Direct Storefront WhatsApp Bills
Actual operational screen captured at 1920×1080 resolution · High-performance Desktop Engine
Want to see the live workflow in real-time?
Watch the complete end-to-end recording: item barcodes, Girvi pledge management, tunch calculations, customer WhatsApp delivery, and luxury printing.
All-in-One Jewellery Suite
Engineered Exclusively for Indian Jewellers
From fast counter sales to complex gold loan pledging and thermal tag printing, SwarnKosh POS brings every facet of modern jewellery showroom operations under one roof.
Girvi & Gold Loan Management
BANDHAKFull end-to-end gold loan management. Record pledge items, gross & net weights, customer KYC & photo, calculate Simple or Compound monthly interest, process partial repayments, renewals, and legal pawn receipts.
- Simple, Compound, Monthly & Custom Tunch interest formulas
- Loan renewals, partial interest/principal payments & redemptions
- Pawn agreement receipts & notice printouts in regional languages
Jewellery Inventory & Stock Tracking
STOCKReal-time ornament inventory by piece count, gross weight, net weight, stone deduction, and pure metal valuation. Inward supplier purchases, Karigar manufacturing jobs, and track item photos.
- Item-wise weight tracking: Gross, Net, Stones & Fine Pure Metal
- Purchases & Karigar inward vouchers with payment balance tracking
- 1-Click barcode addition directly to billing desk
Barcode & Thermal Tag Printing
TAGSGenerate and print jewellery barcode tags directly from your desktop. Compatible with TSC, Zebra, and Citizen thermal printers for dumbbell, rat-tail, and butterfly label formats.
- Dumbbell, rat-tail, and butterfly jewellery tag layouts
- Prints barcode, item code, gross & net wt, purity (916/750) & charges
- Instant tag generation during purchase inwards
Direct WhatsApp PDF Invoices
NO API FEESConnect your showroom WhatsApp in seconds via QR code. Deliver luxury PDF invoices, payment receipts, Girvi interest due reminders, and festive greetings directly to customer phones with zero paid per-message costs.
- 1-Click PDF invoice sending directly from billing counter
- Automated Girvi interest payment notices & overdue reminders
- Native desktop WhatsApp connection — no third-party API bills
Mobile Companion & Remote Access
LAN & APPTurn Android, iOS, or tablet devices into showroom assistants. Check stock on the sales floor, verify daily metal rates, look up customer credit ledgers, and view store revenue KPIs without crowding the main billing PC.
- Secure pairing keys with PIN access & role authorization
- Real-time inventory lookups & customer balances on phone
- Host machine retains 100% database sovereignty and security
Visual Template Designer
EDITORWYSIWYG invoice and receipt editor. Customize shop branding, authorized stamps, hallmark seals, bank details, terms & conditions, and multi-language translations (Hindi, Marathi, Gujarati, English).
- Live preview with A4 Laser and 2"/3" Counter Thermal layouts
- Upload showroom logo, hallmark symbols, and digital signatures
- Regional ornament name dictionary (Marathi, Hindi, Gujarati)
Fast Offline Counter Billing Desk
Native support for 24K, 22K (916), 18K (750), 14K (585), 925 Sterling Silver, bullion bars, and coins. Connect digital weighing scales directly via RS-232/USB for instantaneous, zero-error weight capture.
- Stone & Diamond deductions in carats and grams
- Wastage & Tunch calculator (percentage or fixed weight)
- Flexible making charges: Per Gram, Percentage, or Flat rate
Jewellery GST Invoicing Engine
Generate compliant jewellery GST invoices with 3% tax breakdown (CGST 1.5% + SGST 1.5% or IGST 3%), HSN 7113 auto-classification, and customer GSTIN format verification.
- Customer GSTIN validation and B2B vs B2C categorization
- Dynamic UPI payment QR code generated on every invoice
- Per-item and aggregate invoice rounding modes
CA-Ready GSTR Sales Reports
GSTR-1Audit-ready multi-sheet Excel (.xlsx) workbooks designed specifically for Chartered Accountants. Includes B2B, B2CL, B2CS, rate-wise tax, invoice version revisions (V1, V2 diffs), and cancellation logs.
- Multi-sheet Excel: Separate GST vs Non-GST & Monthly Output Tax
- Custom timeframes: FY quarters, tax periods, or custom dates
- Full transaction audit trail with immutable diff tracking
Live Gold & Silver Rate Matrix
Multi-source live ticker syncing with GoldAPI, Bullion Live, and local Sarafa Association boards. Each bill forever locks the exact price snapshot at time of billing.
- Automatic rate calculations across 24K, 22K, 18K, 14K & Silver
- Multi-source comparison with offline manual override option
- Immutable rate locking for customer quotation orders
Old Gold Exchange & Buyback
Frictionless old gold exchange accounting. Record gross weight, purity assay, melting loss deduction, net valuation, and auto-credit against the customer's fresh ornament purchase.
- Melting and testing loss percentage calculators
- Dedicated Old Gold Purchase Voucher generation
- Separate GST treatment on second-hand jewellery purchases
Encrypted GitHub Cloud Sync
Schedule encrypted backups to your private GitHub repository alongside local backups. Keep recovery copies available if a counter computer fails, with verified SHA-256 integrity checks.
- Device OAuth RFC 8628 (Zero open web ports required)
- Power outage auto-healing & pre-restore .bak safety
- 1-Click portable ZIP snapshot export and restore
Specialized Gold Loan Engine
Comprehensive Girvi & Bandhak Gold Loan System
Girvi (gold pledging) is the financial backbone of traditional Indian jewellery retail. SwarnKosh POS provides a purpose-built Girvi management module that automates complex interest schedules, tracks pledged ornament vault storage, and generates legal pawn receipts in Hindi, Marathi, and Gujarati.
Dynamic Interest Calculations
Configure Simple, Compound, Monthly or Tunch-based interest rules with grace periods and flexible payment allocations.
Collateral Safe Storage
Assign vault locker numbers and bag tags to each pledged gold/silver ornament with gross & net weight records.
Renewals & Redemptions
Process interest settlements, loan extensions, partial principal repayments, and instant release vouchers with signature logs.
Pawn Receipts & Legal Notices
Print formal pawn tickets with customer photos, barcode IDs, terms, and overdue reminder notices ready for registered post or WhatsApp.
✓ Active Loan Books & Due Date Tracker
✓ Multi-Language Agreement Receipts
✓ Dumbbell, Rat-Tail & Butterfly Labels
✓ TSC, Zebra & Citizen Printer Ready
Jewellery Tag & Stock Automation
Jewellery Inventory & Thermal Tag Label Printing
Tagging jewellery ornaments has never been faster. SwarnKosh POS pairs your purchase inwards directly with barcode and QR tag generation. Print durable thermal dumbbell or rat-tail tags that fit rings, bangles, and necklaces perfectly.
Purchase Inwards & Karigar Bills
Record bullion receipts, supplier purchases, casting wastage, and karigar making charges with outstanding credit logs.
Instant Tag Generation
Batch-print jewellery tags immediately as items arrive from the hallmarking center or workshop with barcode scan verification.
Fine Pure Metal Auditing
Real-time stock audit calculates exact 24K equivalent fine gold and fine silver weight across every showcase tray.
Barcode Counter Scan
Scan ornament barcode with any standard hand scanner to auto-populate weight, purity, and making charges into the bill.
Modern Showroom Connectivity
Direct Storefront WhatsApp & Mobile Companion
Delight your jewellery clients with paperless, high-resolution PDF invoices sent straight to their personal WhatsApp numbers with one click. Plus, empower your sales staff with mobile companion access so they can look up ornament stock and customer details from any counter floor phone or tablet.
Zero Per-Message Fees
Connects directly using native desktop WhatsApp pairing. No paid WhatsApp Business Cloud API credits or template approval delays.
Automated Payment Notices
Send payment receipt confirmations, Girvi interest due reminders, and festive greetings to customer chat threads.
Counter Floor Mobile Access
Sales associates check ornament availability, gross weights, and today's rates from smartphone or tablet without disturbing the main counter PC.
End-to-End Local Security
Secure LAN pairing and encrypted remote tunnel with staff PIN authentication keep your business database safe on your host computer.
✓ Android & iOS Tablet/Phone Companion
✓ Encrypted Pairing & Role Access
Interactive Billing Example
Try the Jewellery GST Calculation Engine
Explore how weights, purity, wastage, making charges, and old gold exchange affect a sample bill. This simplified demo uses an illustrative 3% tax rate (1.5% CGST + 1.5% SGST) and an estimated silver rate.
Showroom Item & Counter Inputs
Live Computed Breakdown
GST 3% Breakdown
Applied Metal Rate:
₹0 / g
Net Metal Weight:
0.000 g
Wastage Weight Added:
0.000 g
Fine Metal Value:
₹0.00
Making Charges:
₹0.00
Hallmark & Other Charges:
₹0.00
Taxable Value:
₹0.00
CGST (1.5%):
₹0.00
SGST (1.5%):
₹0.00
Less: Old Gold Credit:
- ₹0.00
Net Payable
Grand Total
₹0.00
Includes 3% Indian GST under HSN 7113 · Validated for retail counter accuracy
Application Walkthrough
See Real Screenshots of the POS System
Click through actual operational screens captured at 1080p Full HD resolution.
Executive Sales & Counter Control Center
Live total revenue, average ticket size, period sales comparisons (Today, Week, Month, Year), and top customer analytics.
Executive Sales & Counter Control Center
100% Offline SQLite WALLive total revenue, average ticket size, period sales comparisons (Today, Week, Month, Year), and top customer analytics.
Bespoke Showroom Invoices
7 Luxury Designer Bill Formats
Deliver an extraordinary unboxing experience. Every invoice is formatted with royal borders, hallmark certification tags, bilingual item names, and dynamic UPI payment QR codes.
✓ Full A4 Laser & 3-inch Counter Thermal layouts
✓ Multilingual ornament name dictionary (Marathi, Hindi, Gujarati)
✓ Instant UPI QR code payment barcode embedded
One Unified Platform for Everyday Jewellery Operations
From a gold ring sale to a pawn gold loan or inventory tag print, SwarnKosh POS keeps every detail synchronized across your showroom. Explore everyday retail workflows.
Girvi Gold Loan Pledging & Release
Originate pledged gold loans with customer KYC and vault storage tags. Auto-calculate compound/simple interest, handle renewals, and print pawn receipts.
Explore Girvi loan workflows →Jewellery Tag Printing & Inventory
Batch print barcode jewellery tags on thermal dumbbell labels with purity, weights, and product codes. Track showroom stock by tray and category.
See jewellery tag printing →Storefront WhatsApp PDF Invoicing
Send high-resolution digital tax invoices and payment receipts directly to customers via WhatsApp without third-party API subscription costs.
Discover WhatsApp billing →Old Gold Exchange & Assay Buyback
Record old ornament exchange entries with gross weight, purity assay, melting loss, and net valuation. Auto-credit against new purchases with legal vouchers.
See old gold exchange features →CA-Ready GSTR Sales Tax Excel Audit
Export formatted multi-sheet Excel reports with B2B, B2CL, B2CS, rate-wise tax, and HSN 7113 summaries for painless GST filing with your accountant.
View sales history & export screens →
Military-Grade Reliability
Background Auto-Healing & Encrypted Cloud Recovery
In busy jewellery markets, power outages and abrupt machine shutdowns happen. SwarnKosh POS features a resilient Epic Games / Torrent-style tray architecture that never corrupts your business records.
Close-to-Tray Resilience
Staff can minimize or close the window without terminating in-flight backups or scheduled tasks.
Crash Auto-Healing
If power cuts mid-sync, startup hooks purge dangling locks and restore from verified pre-restore `.bak` snapshots.
25MB Binary Chunker
Slices large SQLite databases into manageable GitHub commits with SHA-256 integrity checksums.
1-Click Full Restore
Setting up a replacement billing PC? Enter your GitHub device code to restore your entire showroom setup in minutes.
Tailored Editions & Licensing
SwarnKosh POS Software Editions
Choose the exact modular edition that fits your jewellery showroom: whether you need streamlined counter billing, full inventory with barcode tags, or complete Girvi gold loan management.
Lite Edition
Counter Billing
Billing & GST POS
Ideal for independent jewellery shops focused on fast counter sales, making charges, purity rates, and luxury GST invoices.
- ✓ 100% Offline Fast Counter Billing (SQLite WAL)
- ✓ 24K, 22K (916), 18K, 14K & Silver Purity Rates
- ✓ Making Charges & Wastage / Tunch Calculator
- ✓ Old Gold Exchange & Buyback Accounting
- ✓ 7 Luxury Designer Invoices & Thermal Receipts
- ✓ Multi-Sheet Excel Sales & Tax Exports
- ✓ Client-Side AES-256 Encrypted Cloud Backup
Most Popular for Showrooms
Standard Edition
Inventory + Tags
Inventory & Barcode Tags
Complete inventory control with supplier purchases, Karigar inward vouchers, and thermal jewellery tag printing.
- ✓ Everything included in Lite Edition
- ✓ Full Jewellery Inventory & Stock Tracking
- ✓ Supplier Purchases & Bullion Inwards
- ✓ Thermal Barcode Tag Printing (Dumbbell, Rat-tail)
- ✓ Item Photo Capture & Showcase Tray Audit
- ✓ 1-Click Barcode Scanning at Billing Counter
- ✓ Visual Multilingual Invoice Template Designer
Complete Flagship ERP
Pro Edition
All Modules Included
Girvi, WhatsApp & Mobile
The flagship solution for full-scale jewellery showrooms with Girvi gold loan pledging, WhatsApp bills, and mobile access.
- ✓ Everything in Lite & Standard Editions
- ✓ Full Girvi (Bandhak) Gold Loan Module
- ✓ Simple, Compound & Monthly Interest Engine
- ✓ Legal Pawn Agreement Receipts & Overdue Notices
- ✓ Native Storefront WhatsApp Messaging Engine
- ✓ Multi-Device Remote Access & Mobile Companion
- ✓ VIP Priority Engineering Support & Updates
Perpetual One-Time Ownership
Pay Once, Own Perpetually
Pay once for software setup and own your POS perpetually. Includes 1 full year of free priority support covering printer setups, hardware scales, and staff onboarding. After year 1, enjoy flexible AMC or pay-per-incident options with zero forced lockouts.
✓ Software license never expires · 100% offline database autonomy
Predictable Annual Subscription
All-Inclusive Peace of Mind
Low initial investment with continuous software version upgrades, Indian GST regulatory amendments, live bullion API tickers, priority remote assistance, and ticket resolution bundled in for 365 days.
✓ Continuous version updates · Guaranteed priority technical care
Hardware & Multi-Counter Scalability
Supports digital weighing scales (RS-232/USB), barcode scanners, cash drawers, thermal label printers (TSC/Zebra), and multi-counter LAN setups.
Inquire for Multi-Counter Showroom →
Frequently Asked Questions
SwarnKosh POS: Jewellery Billing Software FAQs
Everything you need to know about offline speed, Girvi gold loans, barcode tags, WhatsApp bills, and data security.
Yes. Counter billing, customer records, calculations, barcode tag generation, Girvi entries, and invoice printing use a local database on the host computer (SQLite WAL mode). Your store never stops billing during internet disruptions. Online connection is only needed for live gold rate tickers, mobile remote access, and encrypted cloud backups.
Yes. SwarnKosh POS supports configurable tax rates, CGST (1.5%) and SGST (1.5%) or IGST (3%) breakdowns, customer GSTIN fields, and sales exports. Set up the tax rates and invoice details for your business with your accountant; the software does not file GST returns on your behalf.
The Girvi module manages the complete gold loan lifecycle: loan origination, customer KYC, collateral ornament weight details, interest calculation (Simple, Compound, Monthly, or Tunch-based), partial repayments, loan renewals, and pledge redemptions. It generates legal pawn receipts, statements, and overdue notices with print previews and PDF exports.
Yes. SwarnKosh POS supports printing jewellery tags on thermal label printers like TSC, Zebra, and Citizen. You can print dumbbell, rat-tail, and butterfly labels containing barcode, item code, gross weight, net weight, purity (e.g. 22K 916), making charge, and shop name for immediate showroom display.
Yes. SwarnKosh POS features a built-in desktop WhatsApp engine that pairs directly via QR code with your showroom's WhatsApp account. You can send high-definition PDF invoices, payment receipts, and Girvi interest alerts directly to customers with zero third-party per-message fees.
Yes. The mobile companion allows authorized staff to pair smartphones or tablets with the host desktop terminal over local Wi-Fi or secure encrypted tunnel. Staff can look up ornament inventory, check current gold rates, review customer credit, and view showroom sales analytics on the move.
You can configure backups to a private GitHub repository. Backup files are encrypted with AES-256-GCM before upload and sliced into verified 25MB chunks. Keep your recovery passphrase safe and check backup logs regularly.
Yes. The visual template editor lets you customize item names, labels, and terms in regional languages including Hindi, Marathi, and Gujarati. Preview translated invoices in your chosen luxury theme before printing.
SwarnKosh POS works with standard hardware: A4 laser/inkjet printers, 2-inch and 3-inch ESC/POS thermal receipt printers, thermal barcode tag printers (TSC, Zebra, Citizen), digital weighing scales (RS-232 / USB serial), and 1D/2D barcode & QR scanners.
Yes. Explore the 7 luxury designer invoice previews on this page and request a personalized demo using your shop name and logo. During the demo, check your preferred invoice layout, regional-language text, and printer setup against your daily billing needs.
Yes. SwarnKosh POS provides comprehensive Excel import tools for customer contact lists, outstanding balances, and opening ornament inventory. Our engineering team assists with seamless data migration during showroom setup.
Request a quote for your shop using the demo form. We offer Lite, Standard, and Pro editions available under either Perpetual One-Time Ownership (with 1-year free priority support) or predictable Annual Subscriptions. Confirm the edition, included support, and optional hardware integration in your written quote before purchasing.
Book 1-on-1 Consultation
Ready to Modernize Your Showroom Operations?
Experience a personalized 20-minute live demonstration. We will show you how SwarnKosh POS handles your gold rates, Girvi loans, inventory barcode tags, WhatsApp PDF invoices, and custom A4 luxury bill templates.
See counter billing, Girvi, inventory tags, and WhatsApp in action
Seamless data migration from legacy software & Excel sheets