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Girvi receipt format
A girvi (gahan) pledge receipt with your shop's name: the pledger and their ID, each ornament with its weight and purity, the loan in figures and words, the monthly interest and due date, the terms, and a release slip at the bottom. In English, English + हिन्दी or English + मराठी.
What should a girvi receipt contain?
A girvi receipt records a running pledge number and date; the pledger's name, father's or husband's name, address, mobile and ID proof; each ornament with its pieces, gross and net weight and purity; the amount lent, in figures and words; the monthly interest rate and how part months are counted; the due date; the terms on which the ornaments are returned; and both signatures. A release slip records the date, principal, interest and the pledger's signature for receiving the ornaments back.
Print blank keeps your shop's name and leaves the rest empty, for pads. In the print window, choose Save as PDF to keep a copy. Figures for illustration; confirm tax rates with your accountant.
How to fill the girvi receipt format
- 1Enter your shop's details once, including your money-lending licence number if your state requires one.
- 2Fill the girvi number and date, the due date, and the pledger with their ID proof.
- 3List each ornament with its pieces, gross and net weight and purity, as checked in front of the pledger.
- 4Enter the loan amount and the monthly interest rate, and choose whether interest is counted by days or in full months, and any minimum period.
- 5Read the terms and change them to match your shop's practice and your state's money-lending law.
- 6Print two copies: one for the pledger, one for your register. Fill the release slip when the ornaments are returned.
FAQ
Frequently asked questions
How is girvi interest calculated?
Usually as simple interest at a monthly rate: loan × rate × days ÷ 30. ₹50,000 at 2% a month for 100 days is ₹3,333.33. Some shops count full months instead, and many charge a minimum period; write your rule on the receipt.
What is the difference between girvi and gahan?
None: both mean jewellery pledged against a loan. Girvi is the usual word in Hindi, gahan in Marathi.
Does a jeweller need a licence for girvi?
Lending money as a business is regulated by state money-lenders acts, such as the Maharashtra Money-Lending (Regulation) Act, 2014, which usually require a licence, prescribed registers and receipts, and cap interest. Check your state's rules.
Should the receipt have a photo of the ornaments?
It helps in any dispute. Infovion JMS prints the ornament photo on the pledge receipt; with a paper receipt, staple a photo to your copy.
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Infovion JMS makes these bills, girvi receipts, vouchers and karigar slips from your stock and records, and keeps every balance right. Book a free demo call.