Custom · Jaipur · Since 2006
Jewellery accounting software that keeps books in rupees and grams.
GST-split invoicing with correct HSN, exchange-gold both-legs accounting, karigar metal ledgers, scheme liabilities, girvi books, and two-way Tally Prime sync. The jewellery-specific accounting layer Tally doesn't have — custom-built by Jaipur engineers, with your CA kept happily in Tally.
What jewellery accounting actually needs
Ten places generic accounting software quietly loses your grams.
GST-correct jewellery invoicing
3% on bullion (HSN 7113), 5% on job-work labour, 18% on services — auto-split per invoice line with the right HSN codes. Tax invoice, bill of supply, and export invoice formats out of the box.
Exchange-gold accounting
Old-gold exchange is where jewellery books go wrong. Both legs recorded cleanly — purchase of old gold (with purity test and melting wastage) and sale of new — so the GST treatment and stock valuation stay defensible in audit.
Karigar advance and jobwork ledger
Gold issued to karigars is an asset in transit, not an expense. Per-karigar running ledger: metal issued, expected wastage, pieces returned, piecework payable — reconciled to the gram.
Scheme liability tracking
Jamatag / jewel-saver / monthly savings schemes are customer liabilities on your books. Per-customer scheme balance, maturity, bonus-month treatment, and conversion to sale — visible to your CA, not buried in a register.
Girvi / pledge ledger
For jewellers who run girvi (pledge) business alongside retail: item-wise pledge register with photos, interest accrual rules, part-payment handling, and release settlement — kept as a separate auditable book.
Two-way Tally Prime sync
Your CA keeps Tally. Sales vouchers, purchase vouchers, debtor/creditor balances, and GST summaries flow from the jewellery system into Tally automatically — no month-end manual entry marathon.
Metal-and-money dual ledger
Jewellery accounting runs in two currencies: rupees and grams. Every customer and karigar ledger shows both — cash balance and fine-gold balance — with rate-of-day conversion when they settle one against the other.
Rate-difference and valuation reports
Closing stock valued at cost, at market, or at IBJA end-of-day rate — category-wise. Rate-difference reports show what the metal movement earned you beyond making charges.
Multi-firm, multi-GSTIN
Two firms on one counter is normal in this trade. Every transaction lands in the right firm's books, with per-GSTIN invoice series, per-firm reports, and consolidated owner views.
Audit trail everything
Every edit, every cancelled bill, every rate override — logged with user, timestamp, and before/after. When the audit comes, you have answers instead of anxiety.
Custom vs off-the-shelf
Most jewellers don't need custom accounting. Here's who does.
| Your books today | Right pick | Typical cost |
|---|---|---|
| Books only — CA handles everything in Tally | Stay on Tally Prime alone | ₹22.5K perpetual + cloud fees |
| Single store, standard billing + accounting | Off-the-shelf — Marg, Online Munim, MMI | ₹15K–60K/year |
| Exchange-gold, schemes, girvi, karigar at scale | Custom accounting layer + Tally sync | ₹4–8 L build + ₹40K–1L/mo |
| Multi-firm, multi-store, manufacturer books | Custom jewellery ERP with accounting core | ₹8–25 L build + ₹50K–1.5L/mo |
Rule of thumb: when exchange-gold, schemes, karigar metal, or girvi volume makes your Tally entries a month-end reconstruction project, the books need a jewellery-native layer in front of Tally.
Transparent pricing
What custom jewellery accounting costs (2026, INR).
| Engagement | Typical range | What's included |
|---|---|---|
| Accounting + invoicing module | ₹4 L – ₹8 L | GST-split invoicing, exchange-gold, karigar ledger, scheme liabilities, metal-and-money dual ledger, Tally sync. 8–12 weeks. |
| Add girvi / pledge book | +₹1 L – ₹2.5 L | Pledge register with photos, interest engines (simple/compound/slab), part payments, release settlement, overdue lists. |
| Multi-firm / multi-GSTIN | +₹1.5 L – ₹3 L | Per-firm invoice series, firm-wise books, consolidated owner dashboard, inter-firm transfer treatment. |
| Maintenance + compliance updates | ₹40 K – ₹1 L / month | GST rule changes, HSN updates, BIS/HUID regulation shifts, bug fixes, small features, monitoring. |
Honest answers
FAQs about jewellery accounting software.
Is this a replacement for Tally?
No — and we'll tell you that upfront. Your CA, your auditor, and the GST ecosystem all live in Tally, and it should stay your book of final record. What we build is the jewellery-specific accounting layer Tally doesn't have — exchange-gold, karigar metal ledgers, scheme liabilities, girvi, metal-and-money dual balances — with two-way sync so Tally stays authoritative for returns and audit.
What does jewellery accounting software cost in India in 2026?
Off-the-shelf jewellery accounting/billing packages run ₹15K–60K/year (Marg jewellery edition, Online Munim, MMI Jwelly). A custom accounting layer with Tally sync — what ERIONT builds — is ₹4–8 lakh for the core module, plus ₹40K–1L/month maintenance. Custom only makes sense above roughly ₹1–2 Cr annual turnover or when exchange/scheme/girvi volume makes off-the-shelf books unreliable.
How do you handle GST on old-gold exchange?
The system records the exchange as two legs: purchase of second-hand gold from the customer (no GST when purchased from an unregistered individual, under the margin-scheme treatment where applicable) and a normal taxable sale of the new piece. Purity testing, melting wastage, and settlement value are all captured, so the paper trail matches the physical trail. We implement the treatment your CA signs off on — rules have nuances by state and by CA interpretation.
Can it generate my GSTR-1 data?
The system produces invoice-level GST summaries that flow into Tally, and your GSTR-1/3B filing continues from Tally or your CA's filing tool. That's deliberate — filing from the operational system and the books diverging is how jewellers end up with notices. One source of truth for returns: Tally.
We run girvi alongside the shop. Can one system handle both?
Yes — girvi is a first-class module, not an afterthought. Item-wise pledge register with photos and weight, interest accrual (simple, compound, or slab, per your practice), part payments, top-ups, release settlement, and overdue follow-up lists. Kept as a separate book so retail and pledge business don't contaminate each other's numbers.
How does the Tally sync actually work?
Tally Prime exposes XML/ODBC interfaces that have been stable for years. The system pushes sales vouchers, purchase vouchers, receipts/payments, and debtor-creditor balances into Tally on a schedule (or on demand), and pulls ledger masters back. Your CA continues in Tally untouched. Sync setup is typically 2–4 weeks of the overall build.
What about scheme (jamatag) compliance?
Customer savings schemes are recorded as liabilities with full member registers — installments, bonus months, maturity, and conversion to purchase. You get the reports your CA needs to treat scheme money correctly, plus maturity-due lists your counter staff need to convert schemes into sales.
Can invoices go out on WhatsApp?
Yes — tax invoice, estimate, exchange voucher, scheme receipt, and girvi receipt all render to thermal, A4, PDF, or a WhatsApp-ready image. Customer ledger statements can be WhatsApp-ed on demand or on a monthly schedule.
Ready to fix the books?
Send firm count, current Tally setup, and where the grams go missing today — exchange, karigar, schemes, or girvi. One-page scope back in 2 business days.