Minto by Bizzbots
Minto runs the counter and the books behind it — every branch, firm, brand and licence; complete customer KYC with fraud detection by face; RFID-tracked vault packets; every loan from the pledge to the release; and the accounts and reports that follow. Your data stays with you — private and safe.
Your business, the way it is organised
Every branch on the same books. Staff work at their own branch; managers are given the branches they cover.
Several firms, each with its own PAN, under one login — pick the firm at sign-in and switch any time.
More than one trading brand, each with its own GSTIN, printed documents and number series.
Roles decide what each person may view, create, edit, approve or reverse — screen by screen and action by action.
Live books for real business and testing books for learning. New staff practise on the testing books without touching real money.
Link money-lending and other licences to the branches they cover, with their validity dates in view.
A register for each licence and branch, each with its own gapless series of loan and receipt numbers.
Maker–checker for loans, top-ups and renewals above a teller's limit or below a scheme's rates, with one or two approval steps.
Each computer is approved before it can open your books, can be tied to your network, and works within the hours you set.
Customers and KYC
Personal details, addresses, phones and email, nominees, bank accounts, education and occupation — each section checked and approved.
Aadhaar, PAN, Voter ID, Passport and Driving Licence, with scans stored and duplicate numbers caught before they are saved.
Face recognition flags a customer who has committed fraud within the Bizzbots network before you lend, and finds any customer again from a new photograph.
Possible duplicate customers are listed side by side, and merged with nothing lost.
Group customers your way — regular, staff, premium — and give each category its own scheme.
The same customer across every loan, branch and firm, typed in once.
Jewel Loan
Daily or monthly interest, rate slabs by amount, processing, appraisal and documentation charges, penal interest and grace days.
Items, weights and purity recorded with photographs; value at your lending rate; the eligible amount worked out and enforced.
Renew on the same or a new scheme, the interest settled and the new loan numbered in one step.
Lend more against the same pledge when its value allows, with no new charges.
Take interest, principal or both, in any amount; Minto applies the payment and moves the dates correctly.
The settlement worked out, waivers granted or sent for approval, and any excess held or booked.
Ornaments handed back only to the right person, confirmed by the customer's one-time code, with a photograph.
Raise funds by repledging ornaments with your own lender, and track which packets are out, with whom and for how much, until they return.
Return some ornaments while the rest stay pledged.
Gold, silver and more, with grades and item names, and today's lending rate for each.
Reminder dates on every loan, with messages ready to send on WhatsApp from your own templates.
CGST and SGST or IGST worked out by the customer's state, with a tax invoice for every charge.
Highest-grade vault security
Every pledge in an RFID-tagged packet, every movement recorded — a complete trail from the counter to the vault to the release.
Accounts, reports and tools
Every loan, receipt, renewal and closure posts itself — no separate entry, no month-end catch-up.
Chart of accounts, day book, ledgers, trial balance, profit and loss and balance sheet.
Deposits, payouts, contra, expenses and journals for everything outside the loans.
Loans, receipts, renewals and redemptions by day and month; follow-ups due; each customer's full statement.
Search the vault by item, print packet coupons, and choose the design your loan tickets print in.
Nothing posted is ever deleted; a mistake is reversed the same day and the trail kept.
Mobile apps
The owner and staff on Android and iPhone: today's business, loans and customers, approvals waiting for you, and follow-ups due — with exactly the access each person has on the desktop, role by role and branch by branch.
Your customers see their loans, interest due and payment history, and get reminders — only when you enable their access, on the one mobile number you verify, and only for your firm.
More lines of business
Each new line joins the same customers, staff and accounts when it arrives.
Available now.
Financing, EMI schedules and collateral records.
Fixed, recurring and daily deposit accounts.
Your data stays with you
Your customers, loans and accounts stay with you — kept in India, backed up every day, and never shared. We only keep Minto running and up to date.
Three ways to buy Jewel Loan, each with the base pack free. Create an account, pick a plan, and start the same day.
See plans and pricing Create an account