Run every counter, every branch, on one Operating System for Jewellers.
Billing, purity-wise inventory, built-in accounting or sync to any system you use, HUID compliance and staff handover — everything a modern jewellery shop runs on.
Everything a jewellery shop runs on — in one system
Built for the trade's actual workflows, not a generic POS with a jewellery checkbox.
Bills that understand gold, not just line items
Purity, making charge, wastage and live rate calculate automatically per piece — the same logic that powers the invoice you saw above.
- Piece-level tracking: gross/net/stone weight, purity, HUID
- Old gold/silver exchange with purity-based valuation
- Customizable tag/sticker printing — barcode or QR, choose which fields show, bulk print
- Photos on every catalog item — browsable, not just spec sheets
- Live gold/silver rate management, auto-revalued stock
Run on our built-in accounting, or sync to what you already use
Ratnos includes its own double-entry accounting out of the box — no separate software required. Already on something else? It syncs both ways, automatically, with a status dashboard showing exactly what succeeded, what failed, and why.
- Built-in accounting: ledgers, GST/VAT returns, P&L, balance sheet
- Two-way sync with Tally, Zoho Books, QuickBooks and Busy
- Open connector architecture — new systems added on request
One owner view across every branch and warehouse
Warehouses are tracked separately from retail counters, with proper transit and consignment tracking — not just a shared stock list.
- Real-time consolidated stock, sales and cash across locations
- Branch-to-branch and warehouse transfers with reconciliation
- Karigar/job-work tracking: material issued, wastage, returns
Multiple counters, honest handovers
Every counter runs its own till. Shift changes require a proper handover — cash, pending approvals, unresolved exchanges — before the next staff member can start billing.
- Opening float, running position, closing variance report
- Mandatory handover acknowledgment, no skipping
- Full audit trail of every handover and discrepancy
Billing that never stops for a dropped connection
Install it like an app. Bill offline, and everything syncs automatically the second the connection returns — no manual "sync now" button.
- 100% responsive across desktop, tablet and mobile
- Offline invoicing, payments and exchange recording
- Automatic background sync with conflict-free numbering
Reports built to be configured, not requested
Sales, purity-wise stock, karigar wastage, scheme liability, branch and staff performance — drag together the dashboard you actually want.
- Configurable dashboards, exportable to PDF/Excel
- Branch-vs-branch and period-over-period comparisons
- Optional AI forecasting and reorder suggestions (add-on)
- Purity-wise stock valuationLive
- Karigar wastage & job-workDaily
- Gold scheme liabilityMonthly
- Branch & counter performanceLive
- Cash variance trendsPer shift
Card payments, captured automatically
Connect your existing card machine and stop re-typing transaction amounts. Ratnos captures the reference and approval code straight from the terminal, then reconciles it against your daily settlement report on its own.
- Works with the terminal you already have — no forced hardware switch
- Daily settlement auto-reconciliation, mismatches flagged, not just logged
- No raw card data ever stored on our servers
Gold savings schemes, handled for you
The recurring-revenue engine most jewellers already run on paper registers — installments, maturity value and bonus calculation, done automatically and visible to the customer.
- Flexible scheme rules: duration, installment amount, bonus logic
- Separately: post-purchase EMI plans on an already-issued invoice — distinct from scheme saving, for customers who want to pay off a completed sale over time
- Automatic maturity calculation, no manual bonus math
- Customer purchase history and reminders tied to the same profile
Run your team without a spreadsheet on the side
Staff profiles, attendance and leave, and payroll that pro-rates itself by actual days worked — with every finalized payroll run posted straight to your books, no manual journal entry required.
- Staff HR profiles: designation, department, salary, joining date
- Day-granularity attendance with leave requests and manager approval
- Payroll auto-prorated by attendance, posted to the ledger on finalize
- Customizable document templates: appointment letters, salary slips, warning letters, and more
From vendor to counter, and quote to sale
The other half of the business your billing software usually ignores — vendors, purchase orders, quotations, and customer-facing repair tracking, all on the same ledger as everything else.
- Purchase orders with a real GRN step — what's actually delivered, posted to Accounts Payable, even on a partial delivery
- Consignment/memo stock: sent to a dealer, still your inventory until it's sold or returned
- Fix & Unfix rate bookings — lock a customer's rate now, or leave it floating until they choose to fix it
- Quotations that convert to a real invoice in one click — same tax calculation, same ledger posting
- Scrap/refining batch tracking and loose-stone lot inventory (cut, clarity, carat)
- Repair job tracking: received → in progress → ready → collected, with a printable customer receipt
Buy smarter, not just faster
A purchase request, a real comparison across vendors, and an actual track record to base your next order on — not just a vendor picked from memory.
- Indents: a staff purchase request needs Owner/Manager approval before it becomes an order
- RFQ: ask 2+ vendors for a quote on the same request, compare side by side, accept one — it becomes the PO automatically
- Vendor ratings tied to actual orders: on-time %, quality score, built up over time
Girvi / gold-loan lending, built the way your business actually runs
Configured to your own business, not ours — choose your regulatory path (RBI/NBFC or your state's money-lending act), interest method, LTV cap, and tenure in Settings. The lending lifecycle then runs on the same ledger as everything else.
- Loan origination with LTV validated against your own configured maximum
- Redemption with interest calculated automatically and posted to your books
- Overdue tracking, auction notice period, and auction settlement — surplus or shortfall recorded correctly either way
Compliance built in, not bolted on
The single biggest gap in legacy jewellery software — Ratnos treats it as a first-class feature.
GST & HUID compliance
- GST-compliant tax invoices, with e-invoicing (IRN/QR) and e-way bill workflow ready for your GSP integration
- Reverse-charge (RCM) self-assessment automatically posted for old-gold purchases
- TCS collection (Section 206C) posted automatically once cash on an invoice crosses your configured threshold
- GSTR-1 and GSTR-3B export in the government-prescribed format, ready for filing
- HUID capture with real-time BIS-linked validation
- PMLA-ready KYC capture above transaction thresholds
- Approval memo register with automatic aging alerts
- Two-factor authentication (TOTP) on every login
VAT & DNFBP compliance
- VAT-compliant invoicing with TRN display
- DNFBP-ready: AED 55,000 cash transaction CDD trigger
- DPMSR export formatted for goAML filing, within the 2-week window
- 5-year record retention and STR flagging workflow
Built for both markets from day one
- Compliance rules stored as config, not hardcoded — updates as regulations change
- Dedicated compliance officer role and dashboard
- PCI-scoped card handling — no raw card data ever touches our servers
Built for both markets from day one
- Compliance rules stored as config, not hardcoded — updates as regulations change
- Dedicated compliance officer role and dashboard
- PCI-scoped card handling — no raw card data ever touches our servers
Simple, transparent pricing
Every number on this page is the real price. No setup fee, no AMC, no call needed to find out what you'd pay.
Starter
- Built-in accounting — full ledger, P&L and balance sheet, from day one
- Piece-level billing & inventory
- Old gold exchange
- Offline billing (works with no internet)
- HUID capture & real-time validation
- GST/VAT-compliant invoicing
- Stock ageing & slow-mover reports
Growth
| 2–9 branches | ₹2,499/branch | AED 249/branch |
| 10+ branches | ₹2,125/branch | AED 212/branch |
- Everything in Starter
- Sync to Tally, Zoho, QuickBooks, Busy
- Multi-branch & warehouse management
- Multi-counter billing & staff handover
- Gold savings scheme management
- Card machine auto-reconciliation
- Configurable reports & dashboards
- HR, attendance & payroll
- Purchase orders, vendors & quotations
- Purchase indents, RFQ/vendor comparison & vendor ratings
- Repair job tracking
- Bank reconciliation, scrap refining & loose-stone lot tracking
Enterprise
- Everything in Growth
- Girvi / gold-loan lending, configured to your regulatory regime
- Custom karigar/manufacturing workflows (scoped & quoted separately)
- Dedicated onboarding
- SLA-backed priority support
Example: 12 branches on Growth = 12 × ₹2,125 = ₹25,500/month. The 10+ rate applies to every branch once you cross 10 — not just the ones past it.
What you get, plan by plan
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Built-in accounting | |||
| Piece-level billing & inventory | |||
| Old gold exchange | |||
| Offline billing (PWA) | |||
| HUID capture & real-time validation | |||
| GST/VAT-compliant invoicing | |||
| UAE DNFBP/AML compliance (CDD, DPMSR, goAML) | |||
| Sync to Tally / Zoho / QuickBooks / Busy | |||
| Multi-branch & warehouse management | |||
| Multi-counter & staff handover | |||
| Gold savings scheme management | |||
| Card machine auto-reconciliation | |||
| Configurable reports & dashboards | |||
| HR, attendance & payroll | |||
| Purchase orders, vendors & quotations | |||
| Purchase indents, RFQ & vendor ratings | |||
| Repair job tracking | |||
| Girvi / gold-loan lending | |||
| Custom karigar/manufacturing workflows | |||
| Dedicated onboarding & SLA support |
Add-ons — available on any plan
Priced separately because each connects to a paid third-party service (rate data, WhatsApp's API, certificate lookups).
Live rate feed
MCX/DGCX-linked automatic gold & silver rates.
WhatsApp & loyalty
Scheme reminders, greetings, tiered loyalty points with a referral bonus.
Certificate linkage
GIA and IGI diamond certificate lookup.
AI forecasting
Demand forecasting and reorder suggestions.
Included with every plan, always
- Zero setup fee
- Zero AMC
- Free migration from Tally or legacy tools
- 30-day free trial, no card required
- 2 months free on annual prepay
- 3 months free if migration isn't clean within 7 days
All prices shown exclude local taxes, applied at checkout. UAE figures shown in AED; switch the toggle in the nav to compare.
Questions jewellers actually ask us
Does Ratnos work without internet?
Yes. Ratnos installs like an app and keeps working offline for billing, old-gold exchange and payment recording. The moment your connection returns, everything syncs automatically — there's no manual "sync now" step, and invoice numbering is reconciled without duplicates.
Does Ratnos have its own accounting, or only work with Tally?
Ratnos includes its own built-in double-entry accounting — ledgers, GST/VAT returns, P&L, balance sheet — so you don't need separate accounting software at all. If you already run Tally, Zoho Books, QuickBooks or Busy, Ratnos syncs both ways with those too, and the connector architecture is open to add other systems on request.
Is Ratnos compliant with HUID and BIS hallmarking rules?
Yes. HUID is captured at the piece level and validated in real time against a commercial BIS-linked verification service — invalid or unregistered HUIDs are flagged before the sale completes, not discovered later.
Does Ratnos support VAT and AML/DNFBP compliance?
Yes. Ratnos generates VAT-compliant invoices with TRN display, and supports the DNFBP requirements that apply to jewellery dealers — the AED 55,000 cash transaction CDD trigger, DPMSR export formatted for goAML filing, STR flagging, and 5-year record retention.
Can I migrate my existing Tally or Marg data?
Yes, and it's free. Our migration tool and team bring across your item master, customer records and ledger history as part of onboarding — most shops are fully migrated within 48 hours.
Is there a setup fee or AMC?
No. Ratnos has no setup fee and no annual maintenance contract. You pay one flat subscription, and everything in your plan is included — no surprise renewal costs.
How is my data kept secure?
Every shop's data is isolated at the database level (row-level security per tenant), sensitive fields are encrypted at rest, every write is audit-logged, and the platform undergoes regular security review. Card transaction data is never stored on our servers — only transaction references.
Can I run multiple shops and warehouses on one account?
Yes. Warehouses are tracked separately from retail branches with proper transfer and consignment tracking, and the owner dashboard shows real-time consolidated stock, sales and cash across every location — even across different currencies and tax regimes on one account.