calendar_month
Interest, calculated exactly
Day-by-day calculations based on the actual calendar, including 365 and 366-day years. No rough 30-day assumptions.
verifiedBuilt for modern lending businesses
Run your lending business with clarity.
Gharana brings loans, customers, pledged items, interest, payments, receipts and reports together in one simple system. Built for gold, silver and mortgage lending businesses.
check_circleOnline • Mobile friendly • Installable as an app • No hidden costs
lock app.gharana.biz
DashboardGood morning
notificationsAdmin
Outstanding₹12.45L+8.2%
Today's collection₹48,500+12.4%
Active loans183+6 this month
CollectionsLast 7 days
Recent loansView all
RS
Ramesh Sharma₹50,000 • Gold
ActiveMK
Mahesh Kumar₹35,000 • Silver
ActivePA
Pankaj Ahirwar₹80,000 • Mortgage
Activereceipt_long
Receipt generatedPayment recorded successfully
check_circlediamondGold & Silver Loans
real_estate_agentMortgage Lending
storefrontLocal Finance Businesses
translate4 Indian Languages
price_checkNo Hidden Costs
auto_awesomeWhy Gharana
Your business has grown. Your way of managing it should too.
Gharana replaces scattered registers, calculators and paperwork with one simple system built around the way lending businesses actually work.
menu_bookBefore Gharana
edit_noteMultiple registers and loose papers
calculateManual interest calculations
searchSearching through old records
descriptionHandwritten receipts
query_statsManual business reports
arrow_forward
dashboardWith Gharana
databaseEverything in one system
event_repeatInterest calculated automatically
manage_searchFind customer and loan records quickly
receipt_longProfessional receipts
analyticsReports ready when you need them
appsEverything in one place
Everything your lending business needs.
Replace scattered notebooks and spreadsheets with one clear, searchable system for your day-to-day work.
folder_open
Every record, in one place
Customers, loans, pledged items, photos and payment history stay together and searchable.
receipt_long
Professional receipts, instantly
Generate clean receipts for loans, payments and item returns, ready to print or share.
language
Works in your language
English, Hindi, Gujarati and Marathi, so you and your staff can use the system naturally.
lock
Your data stays yours
Each business gets its own separate database and its records are kept isolated from other businesses.
analytics
Reports that actually help
See collections, disbursements, interest and business performance by day, month or year.
backup
Backups when you need them
Download a complete copy of your business records and customer photos when required.
devices
Phone, tablet or computer
Use it from your browser and install it like an app for a familiar, mobile-first experience.
calculateTry it yourself
See how Gharana handles interest calculations.
Choose a monthly or annual rate, then see interest calculated for every actual calendar day.
infoNormal years use 365 days and leap years use 366 days. Annual compounding adds accrued interest to the balance on each yearly anniversary.
Interest Rate Monthly
%
Interest₹0.00
Total Payable₹0.00
0 days
routeSimple from day one
From customer entry to final payment.
Gharana follows the way your business already works, without making your staff learn complicated accounting software.
01
person_addAdd your customer
Create a customer profile and keep their documents and history together.
02
add_cardCreate the loan
Record the amount, interest, dates and pledged items with photos.
03
paymentsRecord payments
Track collections and instantly see what remains outstanding.
04
insightsKnow your business
Use reports to understand collections, interest and your overall portfolio.
devicesWork anywhere
Your business doesn't stay at the desk. Neither should your software.
Gharana is online, so you can access your business from the devices you already use. An internet connection is required.
Gharana 9:41
₹12.45L Outstanding
Phone
Check customers, loans and payments while you're away from the counter.
Laptop
Manage your daily lending workflow comfortably on a larger screen.
Desktop
Use Gharana on your office computer for your regular business workflow.
wifiOnline access requires an internet connection.
shield_lockBuilt around your records
Your business. Your data. Your records.
Gharana is designed so each business can operate with its own private records, while keeping backups and day-to-day access simple.
database
Separate business data
Your records are kept separate from other businesses using Gharana.
cloud_done
Cloud-based access
Access your business from supported phones and computers without carrying the register.
download
Backup when needed
Keep a downloadable copy of your records for your own business continuity.
verified_userGharana Connected
database
Business databasePrivate workspace
check_circlecloud
Cloud recordsAvailable across devices
check_circlebackup
Latest backupReady to download
check_circletranslateMade for Indian teams
Your staff shouldn't need to learn a new language to use new software.
Switch the interface whenever you need it.
Englishहिन्दीગુજરાતીमराठी
price_checkSimple and transparent
No hidden costs.
Know what you're paying for. No surprise software charges.
helpFrequently asked questions
Questions, answered.
What is Gharana?
Gharana is an online lending management system for businesses handling loans, customers, pledged items, interest, payments, receipts and reports.
Who is Gharana designed for?
It is designed for gold and silver lenders, mortgage businesses and local lending or finance businesses.
Can I use Gharana on my phone and laptop?
Yes. Gharana is designed to work across supported phones, tablets, laptops and desktop computers through the web.
Does Gharana work offline?
No. Gharana is an online application and requires an internet connection.
Can I generate receipts?
Yes. Gharana can generate professional receipts for supported loan and payment workflows.
Is my business data separate?
Gharana is designed with separate business data environments so one business's records are kept separate from another's.
Let's talk about your business
Ready to leave the registers behind?
Tell us a little about your business. We'll open WhatsApp with your details ready to send.
lockYour details are used only to contact you about Gharana.