Disputed interest calculations
Unclear workings can lead to disagreements, repeated explanations and lost trust.
Fix it with:
- Interest Calculators
- Borrower Passbook Template
One-time ₹299 · Instant access · No subscription
For money lenders, pawn brokers & local finance businesses
Stop Running Your Lending Business From Notebooks, Memory & WhatsApp.
Know Every Loan, Every Girvi, Every Rupee — Every Day.
300 ready-to-use tools for licensing, KYC, interest, girvi, collections, recovery and accounts — organised, compliant and set up in an afternoon. No software to learn.
One-time ₹299 · Instant access · No subscription · Excel, Word & PDF
25 modules300 toolsInstant downloadWorks in Excel
25
Modules
300
Tools
1
Place
Licence renewal reminder ✓
Girvi receipt issued ✓
Lending Command Center
Owner's overview
Loan book
₹18,40,000
Collected today
₹46,250
Overdue accounts
11
Girvi items in vault
138
Interest income · 12 months
Aging
0–90+
Instalment due tomorrow: 14
Overdue 30+ days: 6
Money Lending Business Setup Checklist◆Licence Renewal Reminder Sheet◆Reducing Balance vs Flat Rate Comparison Tool◆Girvi (Pledge) Entry Register◆Gold Valuation Calculator◆Pawn Ticket Template◆EMI Calculator◆Aging Analysis 30/60/90◆Promise-To-Pay Register◆Auction Eligibility Checklist (Notice Period Check)◆Loan Agreement Template◆Early Warning Signal Checklist◆Money Lending Business Setup Checklist◆Licence Renewal Reminder Sheet◆Reducing Balance vs Flat Rate Comparison Tool◆Girvi (Pledge) Entry Register◆Gold Valuation Calculator◆Pawn Ticket Template◆EMI Calculator◆Aging Analysis 30/60/90◆Promise-To-Pay Register◆Auction Eligibility Checklist (Notice Period Check)◆Loan Agreement Template◆Early Warning Signal Checklist◆
Numbers at a glance
25
modules
300
tools
9
ebooks & guides
7+
calculators
Excel, Word & PDF
Be honest
Does this sound like your business?
Loans and interest are scattered across notebooks — nobody knows the true outstanding.
Interest is calculated by hand, and disputes with borrowers follow.
Girvi items and receipts get mixed up. Lost tickets become headaches.
Instalments are missed because no one tracked the due dates.
Licence renewals, registers and filings are left to the last minute.
There's no clear picture of profit, risk or bad loans.
Your business runs on trust. Your records should, too.
Better records, fewer loose ends
The 5 expensive mistakes lenders make with records
Lost or duplicate pledge receipts
A missing or repeated receipt can create confusion over which item belongs to whom.
Fix it with:
- Girvi (Pledge) Entry Register
- Lost Receipt Handling Format
Missed licence renewal or filing
An overlooked date can mean rushed paperwork and uncertainty about your next steps.
Fix it with:
- Licence Renewal Reminder Sheet
- Annual Return & Licence Filing Calendar
Weak KYC / fake documents
Incomplete checks can leave gaps in borrower information and make follow-up harder.
Fix it with:
- KYC Document Checklist by Borrower Type
- Fraud & Fake Document Alert Checklist
No early warning on overdue loans
Without a clear view of overdue accounts, follow-ups can be delayed and balances harder to track.
Fix it with:
- Aging Analysis (30 / 60 / 90 Days)
- Early Warning Signal Checklist
- NPA (Non-Performing Loan) Tracker
Give your records a clearer starting point.
Checklists, calculators and templates for your everyday records.
Do the maths
₹299 vs the cost of one bad record
One disputed interest calculation
can cost you a borrower's trust — and your time.
One lost pledge receipt
can turn a simple release into an argument.
One missed licence renewal
can put your whole business on hold.
The toolkit costs less than a single one of these mistakes. Once.
What's inside
25 modules. 300 tools. One system.
Every part of a lending business — from licence to ledger to growth. Tap any module to see all 12 tools.
- Money Lending Business Setup Checklist (Master)
- State-Wise Money Lender Licence Requirement Guide
- Pawn Broker Licence Application Tracker
- Licence Renewal Reminder Sheet
- Business Registration Options Comparison (Proprietor / Firm / Pvt Ltd)
- Shop & Establishment Registration Tracker
- Business Name, Signboard & Rate Display Checklist
- Capital Requirement & Startup Budget Planner
- Bank Account & Cash Handling Setup Checklist
- Business Plan Template for Finance Business
- Document Folder Index (Licence, Registers, Agreements)
- Setup Progress Dashboard
- Maximum Interest Rate Limit Tracker (State-Wise)
- Mandatory Register Format Pack
- Annual Return & Licence Filing Calendar
- Compliance Checklist for Inspection / Audit
- Do's & Don'ts for Money Lenders Guide
- Receipt & Voucher Issuing Rules Sheet
- Account Statement Issuing Tracker
- Notice Period & Timeline Rules Sheet
- Penalty & Risk Awareness Chart
- Inspection Visit Log
- Compliance Score Dashboard
- Legal Update & Circular Notes Register
- Borrower KYC Form (Aadhaar / PAN / Address)
- KYC Document Checklist by Borrower Type
- Borrower Master Register
- Photo & Signature Capture Sheet
- Guarantor Details Register
- Reference Check Form
- Address & Income Verification Sheet
- Borrower Profile Card
- Blacklist & Defaulter Check Register
- KYC Renewal Reminder Tracker
- New Borrower Onboarding Checklist
- KYC Status Dashboard
- Loan Application Form Template
- Loan Purpose & Eligibility Checklist
- Loan Approval Note Format
- Sanction Letter Template
- Loan Disbursement Voucher
- Loan Approval Register
- Loan Rejection Reason Log
- Loan Limit Calculator (Income Based)
- Processing Fee Calculator
- Loan Agreement Checklist
- Application Pipeline Tracker
- Loan Approval Dashboard
- Simple Interest Calculator
- Compound Interest Calculator
- Monthly Interest (Percent Per Month) Calculator
- Daily Interest Calculator
- Interest Per Rupee (Rs 2 / Rs 3 Per Hundred) Converter
- Annual Percentage Rate (APR) Calculator
- Reducing Balance vs Flat Rate Comparison Tool
- Part Payment Interest Recalculator
- Pre-Closure Settlement Calculator
- Penal Interest Calculator
- Interest Accrual Tracker (Auto)
- Interest Income Summary Dashboard
- Loan Ledger (Auto-Updating)
- Borrower Passbook Template
- Principal & Interest Split Tracker
- Running Balance Statement Generator
- Loan Closure Certificate Template
- No-Dues Certificate Template
- Borrower-Wise Account Statement
- Ledger Reconciliation Sheet
- Loan Renewal / Rollover Register
- Closed Loans Archive Register
- Outstanding Loan Summary
- Ledger Dashboard
- Girvi (Pledge) Entry Register
- Pawn Ticket / Girvi Receipt Template
- Pledged Item Description Sheet
- Girvi Interest Calculation Sheet
- Girvi Renewal Register
- Girvi Release & Redemption Voucher
- Item Wise Loan-To-Value (LTV) Tracker
- Girvi Aging Report
- Item Photo & Tag Register
- Lost Receipt Handling Format
- Girvi Customer Statement
- Girvi Business Dashboard
- Gold Valuation Calculator (Weight, Purity, Rate)
- Silver Valuation Calculator
- Karat to Purity Converter
- Net Weight & Stone Deduction Sheet
- Daily Gold & Silver Rate Log
- Loan Value Calculator (LTV %)
- Gold Purity Test Record
- Hallmark & HUID Verification Checklist
- Item Appraiser Declaration Form
- Valuation Certificate Template
- Market Rate vs Loan Value Comparison
- Valuation Dashboard
- Collateral Register (Gold, Vehicle, Property, Documents)
- Vehicle Hypothecation Record
- Property Document Lien Register
- Cheque / Blank Document Custody Register
- Security Vault Stock Register
- Locker & Safe Access Log
- Insurance for Pledged Items Tracker
- Collateral Release Checklist
- Collateral Inspection Log
- Security Valuation Review Sheet
- Collateral Coverage Ratio Calculator
- Collateral Dashboard
- Daily Collection Sheet
- Weekly Collection Tracker
- Monthly Collection Register
- Route-Wise Collection Planner
- Collection Receipt Book Template
- Cash vs UPI Collection Tracker
- Collection Target vs Actual Report
- Borrower Visit Log
- Day-End Collection Reconciliation
- Missed Collection Follow-Up Sheet
- Collection Efficiency Calculator
- Collection Dashboard
- EMI Calculator (Flat & Reducing)
- Repayment Schedule Generator
- Weekly Instalment Scheduler
- Daily Instalment Scheduler
- Bullet Repayment Planner
- Instalment Due Calendar
- Instalment Paid / Pending Tracker
- Part Payment & Advance Payment Log
- Rescheduling Request Register
- Repayment Plan Printout Template
- Upcoming Dues (7-Day) Report
- Repayment Dashboard
- Overdue Loan Register
- Aging Analysis (30 / 60 / 90 Days)
- Follow-Up Call Log
- Recovery Action Tracker
- Promise-To-Pay Register
- Settlement Offer Calculator
- Recovery Cost Tracker
- Defaulter Priority List
- Recovery Staff Assignment Sheet
- Written-Off Loan Register
- Recovery Rate Calculator
- Overdue & Recovery Dashboard
- Polite Payment Reminder Template (Hindi & English)
- WhatsApp Reminder Message Pack
- SMS Reminder Pack
- First Reminder Notice
- Second Reminder Notice
- Final Notice Before Legal Action
- Legal Demand Notice Format
- Due Date Intimation Letter
- Thank You / Payment Received Message
- Festival & Greeting Message Pack
- Notice Dispatch Register
- Reminder Schedule Tracker
- Auction Notice Template
- Pre-Auction Intimation Letter
- Auction Eligibility Checklist (Notice Period Check)
- Auction Register
- Bid Record Sheet
- Auction Proceeds Settlement Sheet
- Surplus Amount Refund Register
- Auction Resolution Format
- Item Condition Report
- Auction Cost & Recovery Calculator
- Court Process Awareness Guide
- Auction Dashboard
- Staff & Agent Register
- Agent Commission Calculator
- Daily Staff Collection Report
- Staff Attendance Tracker
- Salary & Incentive Sheet
- Agent Target Tracker
- Cash Handover Register
- Staff Cash Shortage Log
- Agent Performance Scorecard
- Appointment & Code-Of-Conduct Letter
- Staff Training Checklist
- Staff Performance Dashboard
- Own Capital Register
- Investor / Partner Fund Register
- Borrowed Funds & Interest Payable Tracker
- Fund Utilisation Tracker
- Idle Cash Monitor
- Capital Growth Planner
- Fund Deployment Plan (Loan Book Allocation)
- Investor Interest Payout Calculator
- Liquidity Reserve Planner
- Capital Adequacy Check Sheet
- Return On Capital Calculator
- Capital Dashboard
- Daily Cash Book
- Bank Book
- Day Book (Auto Summary)
- Income & Expense Register
- Cash Balance Reconciliation Sheet
- Petty Cash Register
- Voucher Book (Receipt & Payment)
- Monthly Accounts Summary
- Bank Reconciliation Sheet
- Expense Category Tracker
- Trial Balance Sheet
- Accounts Dashboard
- Interest Income Tracker
- Monthly Profit & Loss Statement
- Borrower-Wise Profitability Report
- Loan Type-Wise Profitability Report
- Cost of Funds Calculator
- Operating Expense Analysis
- Break-Even Calculator
- Net Interest Margin Calculator
- Yearly Income Comparison Sheet
- Profit Forecast Planner
- Bad Debt Impact Analyser
- Profit Dashboard
- Risk Register
- NPA (Non-Performing Loan) Tracker
- Provision for Bad Debt Calculator
- Portfolio At Risk (PAR) Calculator
- Concentration Risk Analyser (Top Borrowers)
- Early Warning Signal Checklist
- Loan Book Quality Report
- Write-Off Approval Format
- Stress Test Planner
- Fraud & Fake Document Alert Checklist
- Risk Mitigation Action Tracker
- Risk Dashboard
- Borrower Credit Scoring Sheet
- Repayment Behaviour Tracker
- Borrower Rating (A / B / C / D) Calculator
- Income & Repayment Capacity Calculator
- Debt-To-Income Calculator
- Repeat Borrower Rewards Tracker
- Credit Limit Recommendation Sheet
- Guarantor Strength Assessment
- Credit Bureau Check Log
- Good Customer Register
- Risky Customer Watchlist
- Credit Score Dashboard
- Interest Income Tax Computation Sheet
- Income Tax Return (ITR) Document Checklist
- TDS Applicability Checker
- GST Applicability Guide for Finance Business
- Advance Tax Planner
- Books & Records Retention Checklist
- Form 15G / 15H Tracker
- Cash Transaction Limit Tracker (Section 269SS / 269T)
- Accountant Query Sheet
- Tax Calendar (Due Dates)
- Audit Readiness Checklist
- Tax Compliance Dashboard
- Loan Agreement Template
- Promissory Note Template
- Pledge / Girvi Agreement Template
- Hypothecation Agreement Template
- Guarantor Agreement Template
- Power of Attorney Format
- Affidavit & Declaration Formats
- Loan Settlement Agreement
- Receipt of Release of Security
- Indemnity Bond Format
- Stamp Duty Awareness Checklist
- Document Execution Tracker
- Master Business Dashboard
- Daily MIS Report
- Weekly MIS Report
- Monthly MIS Report
- Loan Book Summary Dashboard
- Disbursement vs Collection Dashboard
- Branch / Area-Wise Performance Report
- Top Borrowers & Top Defaulters Report
- Growth Trend Dashboard
- KPI Scorecard (Auto)
- Year-End Business Review Report
- Owner's One-Page Summary
- Customer Database & CRM Sheet
- Referral Tracker
- Lead Enquiry Register
- Lead Conversion Tracker
- Customer Feedback Form
- Customer Birthday & Festival Wishes Tracker
- Offer & Scheme Planner (Low Interest Days)
- WhatsApp Business Setup Guide
- Local Marketing Idea Planner
- Google Business Profile Setup Checklist
- Business Growth Roadmap
- Customer Retention Dashboard
- Complete Guide to Starting a Money Lending Business (Ebook)
- Girvi & Gold Loan Business Handbook (Ebook)
- Interest Rate & Legal Limits Guide (Ebook)
- Safe Lending: Borrower Selection Guide (Ebook)
- Recovery Without Conflict Playbook (Ebook)
- Daily Accounts Made Simple Guide (Ebook)
- Money Lender's Tax & Compliance Handbook (Ebook)
- Fraud & Fake Document Awareness Guide (Ebook)
- Staff Training Manual for Collection Teams
- Business Growth Playbook for Local Lenders (Ebook)
- Toolkit Quick-Start Guide (Hinglish)
- Toolkit Usage Guide (English)
From opening time to month-end
A day in your business, with the toolkit
Morning
Start with a clear view of upcoming dues and today's collection entries.
- Upcoming Dues (7-Day) Report
- Daily Collection Sheet
Midday
Keep a new borrower's details, calculations and pledged item together.
- Borrower KYC Form (Aadhaar / PAN / Address)
- Simple Interest Calculator
- Girvi (Pledge) Entry Register
- Pawn Ticket / Girvi Receipt Template
Evening
Compare collection entries with cash records before closing the day.
- Day-End Collection Reconciliation
- Daily Cash Book
Month-end
Review the month's records, overdue accounts and upcoming filing dates.
- Monthly MIS Report
- Aging Analysis (30 / 60 / 90 Days)
- Annual Return & Licence Filing Calendar
- Tax Calendar (Due Dates)
Interest & EMI calculator
See how clear your numbers can be
A taste of the 12 interest calculators inside. Compare flat and reducing balance side by side.
Interest type
Flat rate
Monthly instalment₹10,333
Total interest₹24,000
Total payable₹1,24,000
Reducing balance
Monthly instalment₹9,456
Total interest₹13,472
Total payable₹1,13,472
Illustrative calculator — always follow the rate limits and rules applicable in your state.
Before / after
From notebooks to a clean, compliant system
Handwritten ledgers
Auto-updating loan ledger & borrower passbook
Manual interest calculations
Ready interest calculators
Loose girvi slips
Pledge register, tickets & valuation records
WhatsApp memory for dues
Instalment calendar & aging report
Last-minute licence panic
Renewal reminders & compliance checklist
Ready to see your whole business on one page?
Master Business Dashboard · Owner's One-Page Summary · Monthly MIS Report
Who it's for
Built for people who lend responsibly
Licensed money lender
How it helps: Keep every loan, interest entry and register clean and inspection-ready.
Pawn broker / girvi shop owner
How it helps: Track every pledged item, ticket, renewal and release without mix-ups.
Gold-loan & jewellery-linked lender
How it helps: Value gold accurately and monitor loan-to-value across your vault.
Local finance / chit-style business owner
How it helps: Manage collections, members and funds from one organised system.
New lender starting out
How it helps: Follow a step-by-step setup checklist and start right from day one.
Accountant / munim of a lending business
How it helps: Cash book, P&L, tax sheets and MIS reports ready to fill.
Compare
Toolkit vs the usual ways
| Notebooks & memory | Generic spreadsheets from scratch | Hiring a consultant to set up | Best valueThe Toolkit | |
|---|---|---|---|---|
| Ready on day one | Partial | |||
| Interest & EMI calculators built-in | Partial | Partial | ||
| Girvi / pledge ledger & valuation tools | Partial | Partial | ||
| Compliance & licence reminders | Partial | |||
| Notice, agreement & recovery templates | Partial | |||
| Accounts, P&L and risk dashboards | Partial | Partial | ||
| Time to set up | Ongoing | Weeks | Days to weeks | An afternoon |
| Cost | Hidden errors | Your time | Higher / recurring | ₹299 one-time |
Your first 7 days
A clear path, one day at a time
1
Day 1
Read the Quick Start Guide and work through the Business Setup Checklist.
2
Day 2
Set up your licence and compliance trackers.
3
Day 3
Fill the borrower KYC forms and master register.
4
Day 4
Move loans into the loan ledger and interest calculators.
5
Day 5
Enter pledged items in the girvi register and valuation tools.
6
Day 6
Start daily collection sheets and reminder schedules.
7
Day 7
Open your dashboards and generate your first MIS report.
Quick wins
In your first 24 hours
01
Know your true outstanding
Tool: Outstanding Loan Summary
02
Settle interest disputes with clear numbers
Tool: Reducing Balance vs Flat Rate Comparison Tool
03
See who is due this week
Tool: Upcoming Dues (7-Day) Report
04
Never miss a renewal date
Tool: Licence Renewal Reminder Sheet
05
Issue clean, numbered pawn tickets
Tool: Pawn Ticket / Girvi Receipt Template
Early access — be among the first lenders to use it.
No made-up reviews here. Real feedback will appear once lenders start using the toolkit.
Still thinking?
Honest answers
Do I need Excel skills?
No. If you can type numbers into a cell, you can use it. Formulas are already built in, and the usage guide walks you through each module.
Will it work for a small lender or girvi shop?
Yes. Start with just the modules you need — ledger, girvi register, collection sheet — and add more as you grow.
Is it software or a subscription?
Neither. It's a one-time ₹299 download of Excel, Word and PDF files. Yours to keep, no monthly fees.
Does it follow my state's rules?
The templates are aids, not legal documents for your state. Rules on licences, interest limits and notice periods vary — always confirm with your lawyer, CA or the licensing authority.
Is it in English or Hindi?
Tools are in English, with a Hinglish quick-start guide. Reminder templates come in both Hindi and English.
What if I don't like it?
Refund terms to be confirmed.
Inside the spreadsheets
Take a look at the tool layouts
Loan Ledger
Sample layout — illustrative data
| Borrower | Loan ID | Principal | Interest | Paid | Balance |
|---|---|---|---|---|---|
| Borrower A | LN-001 | ₹30,000 | ₹600 | ₹5,600 | ₹25,000 |
| Borrower B | LN-002 | ₹20,000 | ₹400 | ₹2,400 | ₹18,000 |
| Borrower C | LN-003 | ₹10,000 | ₹200 | ₹1,200 | ₹9,000 |
Delivered as editable Excel files
Everything in your download
What's included — the full value stack
25 working modules (300 tools)
- Business setup & compliance
- Loans, interest & girvi records
- Collections, accounts, risk & growth
- Toolkit Usage Guide (English)
- Toolkit Quick-Start Guide (Hinglish)
9 ebooks & guides
- Complete Guide to Starting a Money Lending Business
- Girvi & Gold Loan Business Handbook
- Interest Rate & Legal Limits Guide
- Safe Lending: Borrower Selection Guide
- Recovery Without Conflict Playbook
- Daily Accounts Made Simple Guide
- Money Lender's Tax & Compliance Handbook
- Fraud & Fake Document Awareness Guide
- Staff Training Manual for Collection Teams
Agreements & notice templates
- Loan Agreement Template
- Promissory Note Template
- Pledge / Girvi Agreement Template
- Hypothecation Agreement Template
- Guarantor Agreement Template
- Loan Settlement Agreement
- Reminder & Notice pack (Hindi & English reminders, notices and dispatch tracker)
Calculators
- Simple Interest Calculator
- Compound Interest Calculator
- Daily Interest Calculator
- Reducing Balance vs Flat Rate Comparison Tool
- EMI Calculator (Flat & Reducing)
- Gold Valuation Calculator (Weight, Purity, Rate)
- Loan Value Calculator (LTV %)
Dashboards & MIS
- Master Business Dashboard
- Owner's One-Page Summary
- Daily MIS Report
- Weekly MIS Report
- Monthly MIS Report
- Loan Book Summary Dashboard
- Disbursement vs Collection Dashboard
All groups above are included within the 300-tool toolkit.
All of this for ₹299 one-time (≈ ₹1 per tool)
Get the Complete Toolkit — ₹299Not legal, tax or financial advice · No guaranteed profit or recovery · Refund terms to be confirmed
Pricing
Everything. One price.
Complete Toolkit · Lifetime access to your files
₹4,999₹299
≈ ₹1 per tool · one-time payment
- 25 modules, fully organised
- 300 tools, templates & ebooks
- Excel, Word & PDF — instant download
- Toolkit usage guide (English) + Hinglish quick-start guide
- 9 ebooks & guides:· Complete Guide to Starting a Money Lending Business· Girvi & Gold Loan Business Handbook· Interest Rate & Legal Limits Guide· Safe Lending: Borrower Selection Guide· Recovery Without Conflict Playbook· Daily Accounts Made Simple Guide· Money Lender's Tax & Compliance Handbook· Fraud & Fake Document Awareness Guide· Staff Training Manual for Collection Teams
One-time ₹299 · Instant access · No subscription · Refund terms to be confirmed
An honest fit check
Is this toolkit for you?
Perfect if you…
- Run a licensed lending, pawn, girvi or local finance business.
- Plan to start a lawful business and obtain the required licences before operating.
- Want clean records, editable templates and calculators for your everyday work.
Probably not for you if you…
- Want a ready-made licence or legal representation.
- Want an app with automatic bank integrations.
- Expect guaranteed profit or loan recovery.
- Want to operate outside the law.
Templates and trackers are not a licence or legal, tax or financial advice. Confirm applicable rules with your lawyer, CA or licensing authority.
FAQ
Questions, answered
Instantly after payment, as a download of ready-to-use Excel, Word and PDF files.
Any laptop or desktop with Excel, Google Sheets or LibreOffice. PDFs and Word files open on phones too; calculators work best on a computer.
Yes. ₹299 once. No subscription and no hidden charges.
Yes. Add your business name, adjust formats and print receipts, notices and statements as needed.
No. The toolkit is designed for lawful, licensed lending — to help you run a clean, compliant, well-documented business.
Templates, calculators and trackers only — not legal, tax or financial advice. Money lending and pawn broking are regulated and rules (licence, interest limits, notice periods, registers) vary by state — always confirm with your lawyer, CA or the licensing authority.
Refund terms to be confirmed.
Email us at support@glexmedia.in and we'll help you get started.
A lender's reputation is built in the records. Build yours properly.
25 modules · 300 tools
Excel, Word & PDF
Hinglish quick-start guide
One-time ₹299