Prices that follow today’s rate, weight and making rules for every piece, a HUID and purity shown on each hallmarked product, tag-level stock with gross, stone and net weight, scheme passbooks members can check any day, and old gold exchange worked out the same way at every counter. Built for family jewellers, multi-showroom chains, wholesalers and karigar workshops in Mumbai, Navi Mumbai, Thane, Pune and across India.
Reply within one business day · Navi Mumbai team · Website, app and admin under one roof
The showroom counter, the website, the scheme members and the workshop working from one stock list, one rate and one set of pricing rules.
A catalogue that builds trust before the visit: real photos, weight, purity, HUID and a price that changes with the day’s rate.
An Android and iPhone app for scheme members and repeat families, who open it every month.
The admin where rates are set, stock is tagged, schemes are run and the workshop is tracked.
Walk into a family jewellery shop in Dombivli, Vashi or Laxmi Road and the set-up is familiar. The owner fixes the day’s rate in the morning from the association’s rate or a bullion feed and writes it on a board. A desktop billing package holds stock and prints bills. Pieces carry paper or barcode tags with gross and net weight. A savings scheme register, or a separate software module, tracks hundreds of members paying monthly. Karigars take gold out in the morning and bring finished pieces back days later, with wastage noted in a book.
A salesperson quotes a making charge from memory and gives away more than the owner meant. A tag says one net weight and the system says another, and nobody knows which is right until stock-taking. Old gold is bought at the counter with a different deduction each time, depending on who is on duty. Karigar wastage creeps up a fraction on each job. A scheme member misses two instalments and nobody follows up until maturity, when the argument starts.
Buyers now research online before they visit, often comparing your pieces with national chains that show a price breakup, the HUID and a lab certificate on every product page. If your website shows a catalogue with no weights, no prices and a phone number, many families simply drive past to the chain. They also check the HUID in the BIS CARE app on their phone, and a mismatch between your bill and the app is a lost customer for life.
Infoways, a web, app and software company in Mahape, Navi Mumbai, builds jewellery websites, scheme apps, pricing engines and stock and workshop software. Below is how each module works, the rules the trade must respect, including mandatory hallmarking and the deposit rules that shape savings schemes, and an honest comparison with the jewellery software many shops already run.
Talk to us about your jewellery businessEight modules, who uses each, and the awkward cases that decide whether the software earns trust or loses it.
Used by the owner or a manager each morning. The day’s rate is entered or fetched per metal and purity: 24K, 22K, 18K, 14K and silver. Every piece is then priced from its own record: net weight times the rate for its purity, plus the making charge on the rule set for that category (per gram, a fixed amount per piece, or a share of metal value), plus stone and diamond value, plus GST. Rounding rules and how long a quoted price holds are settings. A rate change mid-day reprices the website and counter at once, and only the owner’s login can change rates or making rules.
Solved in your appUsed by the stock team when pieces come back from the hallmarking centre. Each gold piece stores its purity grade and six-digit HUID, and the bill prints them. The website shows the HUID on the product page so the buyer can check it in the BIS CARE app. Pieces without a HUID are blocked from sale as hallmarked gold in the software, and flagged so you can send them for hallmarking. Exempt items, such as those the rules exclude by type or weight, are marked with the reason so the counter is never left guessing.
Solved in your appUsed by the stock and counter teams. Each piece has one tag, barcode or RFID, carrying gross weight, stone weight, net weight, purity, HUID, design code, karigar and location. Stock-taking becomes a scan of the trays, matched against the system, with every difference listed. Pieces moving between showrooms, to an exhibition or out on approval to a customer are tracked in and out. Weight changes after repair or resizing create a new record with history, so the tag, the system and the bill always agree.
Solved in your appUsed by the scheme desk and by members in the app. Members enrol with KYC, choose an instalment and see a passbook with every payment, the next due date and the maturity date. Instalments come by UPI, card, an eNACH mandate or at the counter. Missed instalments trigger reminders, and the rules you set decide what happens next. At maturity the system works out what the member can redeem it against, and blocks cash payouts if your scheme does not allow them. The scheme length and terms are settings your lawyer or CA approves, because deposit rules apply.
Solved in your appUsed at the counter. The customer’s old piece is weighed, tested by touchstone or XRF machine, and its purity recorded with the test result. The value is worked out from the day’s buying rate, purity and the deduction rule you set, so every counter offers the same. Exchange against a new piece and outright purchase are kept apart, because they are recorded and taxed differently. KYC is collected when the value crosses the limits your CA sets, and photos of the old piece and the customer’s ID are stored with the voucher.
Solved in your appUsed by the workshop manager. Gold issued to a karigar for an order is recorded by weight and purity. When the piece comes back, its gross and net weight, stones added and wastage are entered, and the karigar’s metal balance is updated. The allowed wastage per design or job type is a setting, and jobs above it are flagged. Customer orders, repairs and custom designs carry a job card with photos, promised date and status, which the customer can see in the app or get on WhatsApp.
Solved in your appUsed by the marketing person or the owner’s son or daughter who handles Instagram. Products go live on the website straight from stock, with real photos, a short video, weight, purity, HUID and the live price. Sold pieces leave the site automatically. Heavy bridal pieces can be shown as ‘price on request’ with a video call booking instead of checkout. Families can share a wishlist with relatives on WhatsApp, and the store gets the enquiry with the exact tag numbers before they walk in.
Solved in your appUsed by the cashier and the owner. The system asks for PAN or other KYC when a bill crosses the value your CA sets, warns when cash on one bill or from one customer reaches the limit set in income tax law, and keeps cash transaction records that a dealer in precious metals may need under anti-money-laundering rules. These limits are stored as settings, because the Income-tax Act 2025 took effect in April 2026 and renumbered many provisions, and limits can change. Every bill, voucher and override is logged with who made it.
Solved in your appTell us how many pieces you list, how you set making charges and whether you run a savings scheme. We will tell you which module to start with.
National rules as reported by BIS, the press and legal publications. Your CA, lawyer and BIS registration documents decide how they apply to you.
| Term or rule | 1What it means | 2How the software handles it |
|---|---|---|
| Mandatory hallmarking of gold | Gold jewellery and artefacts sold by registered jewellers in notified districts must be hallmarked by a BIS-recognised centre. The sixth phase, from March 2026, brought coverage to 380 districts, as reported by the government. | Each piece stores its hallmark status. Pieces not yet hallmarked cannot be billed as hallmarked gold and are listed for the next batch to the centre. |
| HUID | A six-digit alphanumeric Hallmark Unique Identification code laser-marked on each hallmarked piece. Since 1 April 2023, hallmarked gold cannot be sold without it. Old hallmarked pieces already with consumers stay valid. | HUID is a required field for hallmarked gold, printed on the bill and shown on the product page. Duplicate HUIDs are blocked at entry. |
| Hallmark marks and purity grades | The hallmark has three marks: the BIS logo, the purity grade and the HUID. BIS lists 14, 18, 20, 22, 23 and 24 carat as mandatory grades; 9 carat is a voluntary grade. | Purity is chosen from the allowed grades, and pricing uses the rate for that grade. Grades outside the list cannot be selected for hallmarked gold. |
| BIS CARE app check | Any buyer can enter a HUID in the BIS CARE app and see the jeweller’s registration, purity, article type and hallmarking centre. | The details on your bill and product page match what the app shows, because they come from the same record your stock team entered. |
| Silver hallmarking | Hallmarking with a HUID was extended to silver jewellery and artefacts from September 2025, as reported. Check with BIS whether it is mandatory for your items and area. | Silver pieces can carry a purity grade and HUID in the same way as gold, switched on when you decide. |
| Gold savings schemes and deposit rules | Monthly schemes usually run 11 or 12 months. For a company, money held beyond a set period can count as a deposit under the Companies Act 2013 and the Acceptance of Deposits Rules 2014; the BUDS Act 2019 bans unregulated deposit schemes. Whether your scheme is lawful depends on its structure. | Scheme length, redemption only against jewellery, bonus rules and cancellation terms are settings your lawyer approves. Total money held and due for redemption is shown every day. |
| KYC and PAN on high-value bills | Income tax rules require PAN or other KYC above set transaction values, and limit how much cash a business may accept. Dealers in precious metals and stones are reporting entities under the PMLA for cash transactions above a threshold. | Thresholds are stored as settings your CA confirms. The bill asks for KYC when needed, warns on cash limits and keeps records for reporting. |
| GST on jewellery | Gold jewellery carries 3% GST, reported as unchanged after the September 2025 rate changes. Job work by a registered karigar on customer gold has been taxed at 5% under CBIC guidance. How making charges are treated depends on how the sale is structured. | Each line carries its own tax rule, and job work, sales and old gold exchange are invoiced separately as your CA advises. |
| Consumer Protection (E-Commerce) Rules 2020 | An online jeweller must show its legal name, address, grievance officer, return and refund terms, and the total price including taxes before purchase. | Seller and grievance details on every page, price breakup before checkout, and complaint tickets tracked against the rule’s time limits. |
| Personal data under the DPDP Act 2023 | KYC documents, PAN, addresses, scheme payments and purchase history are personal data. The jeweller must take consent and protect it. | Consent at sign-up, KYC documents encrypted and visible only to named roles, masked PAN on screens, and logs for every export. |
We have summarised these from BIS and government announcements and from legal and tax publications. Hallmarking phases, scheme rules and tax limits change, and the Income-tax Act 2025 renumbered many provisions from April 2026. Confirm each point with your CA, lawyer or BIS office before it goes into the software. We set what your advisers approve; we do not give legal or tax advice.
Most jewellers we meet already run jewellery billing software. Common names include Online Munim, Jwelly ERP, SoniERP, Tally with a jewellery add-on and several regional packages. These handle the counter well: tag-level stock, GST bills, old gold and often schemes and HUID fields. For online selling, many jewellers try Shopify or WooCommerce with a gold rate plugin, or a template from their billing vendor.
For many single-showroom jewellers, the honest answer is to keep your billing software and add a good catalogue website that shows real photos, weights, purity and a ‘book a visit’ button, and we will say so. If your billing vendor offers a scheme app, check it first. Before you buy anything new, ask whether it reads stock and the day’s rate from your billing software, shows HUID per piece, and lets you export your customer and scheme data when you leave.
A custom build earns its place when the website and app must price live from your exact making rules, when a chain needs one stock view across showrooms and exhibitions, when the scheme has thousands of members and its own rules, or when a wholesaler wants a B2B ordering app for retailers with weight-based pricing and credit. Often the right answer is a custom website and app that sit on top of your existing billing software, not a replacement. Our guide on custom software vs off-the-shelf covers the trade-off in detail.
A plain comparison. The right choice depends on how many pieces you list, your scheme size and how many showrooms you run.
| Factor | 1Billing software and Instagram | 2Ready-made online store with rate plugin | 3Custom website, app and pricing engine |
|---|---|---|---|
| Best for | A single showroom selling mainly to walk-ins | Lighter, standard designs sold online | Chains, large schemes, wholesalers and custom making rules |
| Prices online | Not shown, or typed by hand | From rate and weight, if the plugin fits your rules | From rate, net weight, purity and your exact making rules |
| HUID and weight per piece | In billing software only | Depends on product fields you maintain | Shown from the same stock record as the counter |
| Savings scheme | Billing software module or register | Usually not covered | Passbook app, online instalments and your rules |
| Old gold and karigar | In billing software | Not covered | Built in, or read from your billing software |
| Who owns customer data | You, in scattered places | You, on the vendor’s platform | You, in one place |
| Time to start | Already running | A few weeks | Weeks to months, in phases |
Product names are given only to help you compare. Features change often, so check each vendor’s current version directly.
All of them come out of stock, billing, scheme and workshop records you already keep. None needs a consultant.
Net weight sold in the last 90 days divided by average net weight held, for each category such as chains, bangles, rings and bridal sets. Slow categories tie up the most money in jewellery, because gold does not go stale but cash does.
Solved in your appMaking charge actually billed divided by making charge at your list rule, by salesperson and category. The gap is discount given at the counter. A large gap on one salesperson or one category is worth a quiet look.
Solved in your appActual wastage on each job divided by the allowance for that design or job type, by karigar. A small excess on every job adds up to real metal over a year. It also shows which karigars are best on fine work.
Solved in your appInstalments received on time divided by instalments due this month. A falling rate warns early of members drifting away, and lets the desk call before two missed instalments become a dispute at maturity.
Solved in your appMatured scheme members who bought jewellery within your redemption window, divided by all who matured. This is the real return from a scheme. Track which collections they buy, to plan stock before wedding season.
Solved in your appVisits booked from the website and app, and the share that turned into a bill within two weeks. It shows whether online browsing brings real buyers, and which collections pull families into the showroom.
Solved in your appWeight of old gold taken in by exchange and by outright purchase, with average purity from testing. It shows how much of your sale is funded by old gold and helps plan refining or melting.
Solved in your appCount and weight of finished pieces that do not yet have a HUID, and the days since they came back from the karigar. Stock you cannot sell as hallmarked gold is stock you cannot sell.
Solved in your appSay you run one showroom in Dombivli with about 4,000 tagged pieces and a savings scheme of 600 members. The numbers here are only to show the flow. On Monday morning of Dhanteras week, the owner enters the day’s 22K, 18K and silver rates. Every piece on the website and every tag scanned at the counter prices from its own net weight, purity and making rule. Two families who had set rate alerts in the app get a message that the rate has reached their level, and both book a Saturday visit for specific pieces.
Before the visit, the staff pull the exact tags from the wishlist the family shared on WhatsApp. One customer brings an old chain to exchange. It is weighed and tested by XRF, purity is recorded, and the value is worked out from the buying rate and your deduction rule. The new necklace’s bill shows net weight, purity, HUID, metal value, making charge, stone value, GST and the old gold adjustment, so the family checks the HUID in the BIS CARE app before they leave.
Meanwhile, 180 scheme instalments fall due in the week. Most are paid through eNACH and UPI. Twenty-two members get a reminder, and the scheme desk calls the eight who have now missed two instalments. Fourteen members mature during the week, and the system shows each one what they can redeem against, under the terms your lawyer approved.
In the workshop, a karigar returns a set of bangles with wastage slightly above the allowance, and the manager sees the flag before signing off. On Sunday night, the owner sees stock turn by category, making charge realised by salesperson, scheme collection rate, store visits converted, old gold taken in, and the pieces still waiting for hallmarking before Monday’s wedding-season orders.
Infoways works from B-102, Technocity, Mahape, in Navi Mumbai. For jewellers in Mumbai, Navi Mumbai and Thane, from wholesalers and karigar workshops to family showrooms in the suburbs, we study the business at the counter: how tags are written, how the day’s rate is set, how old gold is tested and valued, and how scheme instalments are recorded today.
Staff are trained in the showroom in Hindi, Marathi or Gujarati, before the busy season rather than during it. Jewellers elsewhere in India are set up over video calls, with the same rollout plan.
A workshop with the owner on purity grades sold, making rules per category, stone and diamond valuation, rounding, old gold deductions, scheme terms and who may give discounts. Scheme terms and KYC limits are checked with your CA and lawyer first.
We map tag number, gross weight, stone weight, net weight, purity, HUID and design code from your billing software and check a sample of trays by hand. Clean weight and HUID data matters more than design, because every price comes from it.
A simple shot list and lightbox setup so your staff photograph pieces the same way, with a short video for hero pieces. We start with the categories that sell most online, not the whole showroom.
Catalogue, pricing engine, scheme passbook, store visit booking and admin are built on one backend, reading stock and rates from your billing software where it allows. You see a working build every week.
We price a set of real pieces in the new system and your billing software side by side, and run every scheme case: on time, late, missed, early closure and maturity. Differences are fixed before any customer sees a price.
Existing scheme members are moved into the app with their history checked, then invited at the counter and on WhatsApp. Staff are trained in Hindi, Marathi or Gujarati as needed. Google Ads and social media campaigns are planned around Akshaya Tritiya, Dhanteras and the wedding season.
Before sign-off we check prices, HUID display, KYC prompts, scheme reports and data exports with you. Maintenance and support continues after launch, including changes when hallmarking phases, tax limits or GST change.
Send us your pricing method and a sample of your stock data. We will show how your catalogue would price live, and tell you if your current software already does the job.
Every jeweller prices and runs schemes differently, so we quote after understanding yours. A catalogue website with live rate pricing, HUID and weight per piece, and store visit booking is a small project. Adding a scheme app with online instalments and passbooks, wishlists, rate alerts and online checkout for lighter pieces makes it a medium one. A full system for a chain, with tag-level stock across showrooms, RFID stock-taking, old gold, karigar tracking, B2B ordering for retailers and head-office reports, is a large one.
The cost rises with the number of pieces and how clean their weight data is, the number of showrooms, how unusual your making and stone pricing rules are, the size and rules of the scheme, and links to your billing software, rate feeds, XRF machines or RFID readers where the hardware offers an API. It falls if you start with the catalogue website and pricing engine, and add the scheme app once members ask for it.
Timelines: a catalogue website with live pricing usually takes 6-8 weeks, much of it spent on stock data and photos. A scheme app adds 4-6 weeks including migration of members. A full multi-showroom system runs about 4-6 months in phases. See ecommerce development for online stores and custom software development for stock and workshop systems.
Do not put prices online that you typed by hand. A price that was right on Monday is wrong on Tuesday, and a buyer who walks in expecting it feels cheated. Either price live from the rate and weight, or show ‘price on request’ for that piece.
Do not launch a scheme app before your scheme terms are checked. Deposit rules shape how long you can hold money and what members can get back. Have your lawyer or CA approve the terms first, then build the app around them.
Do not use catalogue renders or heavily edited photos for pieces you sell. Families compare the piece in the showroom with the photo. Real photos with weight shown build more trust than polished images.
And do not build a custom system if you have one showroom, sell mainly to walk-ins and your billing software already handles schemes and HUID well. A clean catalogue website, a Google Business Profile with real photos and steady Google reviews will do more for you first.
Ask us on WhatsApp. A real person from our Navi Mumbai team replies.
Ask on WhatsAppIt depends on how you trade. A wholesaler needs karigar issue and receipt, lot weights and dealer pricing; a retail showroom needs tag-level stock, today’s rate on every bill, HUID per piece, old gold exchange and scheme passbooks. Ask any vendor to show these on your own sample pieces, check GST billing and Tally entries, confirm you can export all your data, and ask who will come to the showroom when something breaks in the wedding season. Many jewellers already run ready-made jewellery billing software and only need a website and scheme app connected to it.
Billing software is enough for a single showroom that buys finished stock. ERP software for a jewellery business makes sense when you also manufacture, give gold to karigars, run several showrooms or hold stock with dealers, because you then need metal accounts, job work, transfers and wastage tracked in one place. We usually connect to the billing software you already use first, and build the extra modules only where it falls short.
Hallmarking is mandatory for gold jewellery and artefacts sold by registered jewellers in notified districts, which the government reported as 380 districts after the sixth phase in March 2026. Some items are exempt by type or weight, and small jewellers below a turnover limit have been exempt. Check your own case with BIS.
HUID is a six-digit alphanumeric code laser-marked on each hallmarked piece. Since 1 April 2023 hallmarked gold cannot be sold without it. The software makes HUID a required field for hallmarked gold, prints it on the bill and shows it on the product page.
Yes. Any buyer can enter a HUID in the BIS CARE app and see the jeweller’s registration, purity, article type and hallmarking centre. Our software shows the same details on your bill and website, from the same record.
BIS lists 14, 18, 20, 22, 23 and 24 carat as mandatory grades for gold, with 9 carat as a voluntary grade. The software only allows these grades for hallmarked gold.
It depends on how it is structured and whether you are a company, partnership or proprietor. Deposit rules under the Companies Act 2013 and the BUDS Act 2019 shape how long money can be held and on what terms. Ask your lawyer or CA. We build the scheme exactly as they approve.
Yes. Members pay by UPI, card or an eNACH mandate in the app, or at the counter. Every payment appears in their passbook with the next due date and maturity date, and missed instalments trigger reminders.
Yes. Each piece is priced from its net weight, purity, your making rule for that category, stone value and GST. When you enter or fetch the day’s rate, the website and counter reprice at once. Heavy bridal pieces can stay ‘price on request’.
Income tax rules require PAN or other KYC above set transaction values and limit cash receipts, and the Income-tax Act 2025, in force from April 2026, renumbered these provisions. Your CA should confirm the current limits. The software stores them as settings and prompts at billing.
Dealers in precious metals and stones have been reported as reporting entities under the PMLA for cash transactions above a threshold, with KYC and record-keeping duties. Confirm your duties with your CA. The software keeps the records and flags high-value cash bills.
Gold jewellery carries 3% GST, reported as unchanged after the September 2025 rate changes. Job work by a registered karigar on customer gold has been taxed at 5% under CBIC guidance, and making charges depend on how the sale is structured. Confirm with your CA.
Usually not. Most jewellers keep their billing software and add a website and scheme app that read stock and rates from it. We replace billing software only when it cannot be connected or no longer fits the business.
Yes. Gold issued for each job is recorded by weight and purity, and the finished piece’s weight, stones and wastage are entered on return. Jobs with wastage above your allowance are flagged.
PAN, ID documents, addresses, scheme payments and purchase history are personal data under the DPDP Act 2023, and your business is responsible for how they are used. We build consent at sign-up, encrypted KYC storage visible only to named roles, masked PAN on screens and logs for every export.
A catalogue website with live pricing usually takes 6-8 weeks, mostly spent on stock data and photos. A scheme app adds 4-6 weeks including moving existing members. A full multi-showroom system takes about 4-6 months in phases.
Talk to our Navi Mumbai team about your pricing rules, stock data and savings scheme. We will give you a clear plan, an honest view on your current software, and a price.
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