Integra Gold Plus(Gold Loan Management Software)

Integra Gold plus is a proven quality Gold Management package used by several organizations spread all over India. It is a single or multi - user package that integrates all functional modules of a money lending business along with integrated Financial Accounting. It is totally menu driven and the screens are designed to improve user productivity, ease of use and user friendliness.

• Gold Loan Management
• Re-pledge
• FD Management
• Accounts

High-lights

• Totally integrated software with branches and head office
• Optimum utilization of technology to enhance administrative and management control
• Speedup information flow, for better customer relation
• Increased profitability by reducing recurring as well as operational costs
• Better staff management and man power utilization
• Extending business area of the company with real time control over branches
• Integrate all business operations of the branches to the head office server through VPN, IP or lease line
• Bulk SMS and e-mail facility
• Online voucher (loan payment & receipt) SMS system
• Barcoding facility for gold loan payment and
• Provision to chat between two users
• Provision to send circulars to branches and staffs
• User wise scheduler
• Daily branch open and close statement to head office
• Provision for graphical representation of business
• Wide MIS reports
• Provision to send birthday and anniversary greetings to customers and staffs

Gold Loan Management

• Various loan schemes
• Provision for minimum interest and interest days
• Scheme wise payable value
• Provision for penal interest
• Gold item setup for easy entry during loan payment
• Automatic loan number generation and bar-coding facility
• Online photo capturing during loan payment
• Provision for nominee
• Daily update of market rate of gold and loan payment accordingly
• Provision for net weight and calculation of payable value in each loan
• Purity based calculation of payable value
• Provision to enter pledged item's weight and qty and remarks
• Cash / cheque payment option
• Provision for capitalization of interest on regular interval
• Provision for partial receipt of principle and interest amounts
• Print subscriber's photo during loan payment and view at the time of receipt
• Charge overheads like insurance, stamp cost, service charges, legal charges etc.
• Re-pledge and release of re-pledged items
• Automatic calculation of re-pledge limit
• Provision to send intimation letters up to 4 and tracking of loan repayment
• Branch wise and consolidated loan payment register
• Subscriber wise loan payment registers
• Branch wise and consolidated loan receipt register for principle, interest, charges
• Branch wise and consolidated receipt and payment statement
• Branch wise and consolidated pledge register for closed/pending/overdue
• Personal ledger: Subscriber wise and loan wise
• Outstanding (DUE) reports: Branch wise, Loan type wise, Subscriber wise
• Overdue statement with exceeded days
• Liability statement (as per the current market value)
• Loan schedule with or without receivables
• Loan schedule (Pending, closed, auctioned)
• Schedule for interest received
• Schedules for charges
• Gold stock register
• Branch wise/re-pledge stock/consolidated stock with loan value and market value
• Daily gold stock movement statement
• Variance report
• Letter report
• Auction proceedings

Fixed Deposits

• Various term FDs
• Issue and printing FDR
• Bar coding facility
• Calculation of automatic interest
• Provision for monthly interest payment
• Provision for periodical interest compounding
• Provision for premature FD closing and interest calculation
• Share holder wise details and automatic calculation of canvassing commission
• Provision for lean marking
• Calculation of TDS
• FDR register - branch wise, term wise and share holder wise
• FD schedules
• Maturity calendar for FDs
• Personal ledger and interest statement
• TDS register and provision for interest certificate

FD Loan

• Provision for FD Loan
• Automatic calculation of interest
• Installment wise collection of FDL
• FD loan register
• FD loan schedule
• FD loan calendar

Accounts Management

• Head office and branch accounting
• Flexible account grouping up to 4 levels
• Integrated with all other modules
• Provision for head office and branch accounting
• Standard narration for easy voucher entry
• Cheque book maintenance
• Bank reconciliation
• Negative cash balance tracking
• Reports up to balance sheet and schedules
• Detailed voucher reports
• Provision for calculating depreciation
• Branch wise and consolidated account books includes day book, cash book, bank books, ledgers, general ledger, group ledgers, trail balance, profit and loss account, balance sheet, balance sheet schedules.

MIS Reports

• Branch wise cash flow statement
• Branch wise receipt and disbursement statement
• Branch performance statement
• Branch wise NPA/overdue statement
• Month wise branch performance
• Graphical representation of performance