Monthly schemes your customers understand at a glance.
Run instalment schemes on your own terms: fixed amount, gold weight or flexible. Members see what they have paid and what they will receive, reminders go out on WhatsApp, and maturity is redeemed straight on the bill.
Built around the way a jewellery counter works.
Your scheme rules
Amount or weight based, 11+1 or any term you offer, with your own bonus rules.
WhatsApp reminders
Reminders before every due date and a receipt after every payment.
Clear passbook
Each member sees paid, due and maturity value, in their own language.
Online instalments
Members can pay through your own UPI or payment link, recorded automatically.
Redeem on the bill
At maturity, the scheme value is applied on the bill like any other payment.
Collections report
Collections by day, staff and branch, with dues and lapsed members.
Four steps at the counter.
Define the scheme
Set the term, amount or weight, bonus and closure rules.
Enrol members
At the counter in under a minute, with a printed or WhatsApp passbook.
Collect
Cash, UPI or a payment link. Every payment is receipted.
Redeem
Choose the jewellery and apply the maturity value on the bill.
Each instalment can be converted to gold weight at the day's rate.
Missed instalments are followed up automatically, and handled by your rules.
Members can pay at any of your showrooms.
What we promise your customers.
Schemes follow the jeweller's own terms. Umamurthy shows them clearly to customers.
Umamurthy never holds customer money. Payments go straight to the jeweller's account.
Members can see every payment they have made, at any time.
Showroom data belongs to the jeweller, is encrypted and is never sold.
About Gold Savings Scheme
Can customers pay scheme instalments online?
Yes. Instalments can be paid through your own UPI ID or payment gateway link, and are recorded against the member automatically.
Does Umamurthy hold the money?
No. Payments go directly to the jeweller. Umamurthy only records them and shows them clearly.
Can I run more than one scheme?
Yes. Run as many schemes as you like, each with its own terms.
Put today's rate on every tag before the first customer walks in.
Load your own stock, set your own making charges and bill real customers for fourteen days. If the numbers do not match your ledger to the milligram, you walk away.