In short: IRA ORA is gold savings scheme software for jewellers. Create scheme types, enrol customers, track every monthly instalment and balance, send automatic WhatsApp reminders, and collect dues with UPI AutoPay — all from one dashboard.
What is gold savings scheme software?
A gold savings scheme is one of the most powerful loyalty tools a jeweller has: a customer pays a fixed amount every month for a set period and redeems the accumulated value towards jewellery at maturity, often with a bonus instalment. Gold savings scheme software is the system that runs those schemes for you — it stores each scheme type, enrols customers, tracks every instalment and balance, and handles reminders and collections so the scheme runs itself.
Run on paper, a popular scheme becomes a burden: hundreds of customers, each on a different month of their plan, with different amounts and maturity dates. IRA ORA digitises the entire scheme so you always know exactly where every customer stands and never miss a collection.
What you can do with IRA ORA
Create flexible schemes
Set up scheme durations and monthly amounts to match how you actually run your gold savings plans.
Enrol customers in a minute
Add a customer to a scheme in seconds and IRA ORA tracks every month for you after that.
Track instalments & maturity
See paid, due and outstanding instalments and which plans are maturing this month.
Automatic reminders
WhatsApp reminders go out in your shop's name so customers never miss their monthly payment.
UPI AutoPay collection
One mandate collects the instalment automatically every month — no chasing required.
Customer ledger
A complete record of each customer's scheme, payments and outstanding balance.
Manual schemes vs IRA ORA
How running gold savings schemes on registers compares with IRA ORA.
| Task | Registers & Excel | IRA ORA |
|---|---|---|
| Set up a scheme | Re-create columns every time | Reusable scheme templates |
| Enrol a customer | Write into a register | Add to a plan in under a minute |
| Monthly reminders | Manual calls | Automatic WhatsApp reminders |
| Collecting instalments | Customer must visit or remember | Payment links + UPI AutoPay |
| Maturity tracking | Easy to miss | Maturing plans surfaced for you |
| Reports | Manual totalling | Live collection and outstanding view |
Benefits for your shop
- More schemes, same effort — automation lets you grow your savings-scheme book without adding staff.
- On-time collections — reminders and auto-debits keep instalments arriving on the due date.
- Stronger retention — a smooth, professional experience keeps customers coming back at maturity to buy.
- Total clarity — always know your outstanding amount and which plans mature this month.
Pair gold savings schemes with UPI AutoPay and automatic payment reminders to make collections completely hands-off, and see it all in your collection dashboard.
Frequently asked questions
What is a gold savings scheme?
A gold savings scheme is a plan where a customer pays a fixed amount each month to a jeweller for a set number of months, and redeems the accumulated value (often with a bonus instalment) towards jewellery at maturity. It is a popular way for jewellers to build loyal, repeat customers.
What is gold savings scheme software?
Gold savings scheme software lets a jeweller create scheme types, enrol customers, track every monthly instalment and balance, send reminders and collect dues automatically. IRA ORA is purpose-built gold savings scheme software for jewellers.
Can I run multiple scheme types in IRA ORA?
Yes. You can set up different scheme durations and monthly amounts and enrol each customer in the plan that suits them, then manage all of them from one dashboard.
How are scheme payments collected?
IRA ORA sends WhatsApp reminders with a payment link, and trusted customers can set up UPI AutoPay so the monthly instalment is debited automatically on the due date.
Explore IRA ORA solutions
Run your gold savings schemes on IRA ORA
Set up your schemes, enrol your customers, and let IRA ORA handle reminders and collections.