Gold loan management software with Accounting features

Loan management Auto Loan Number generation branch wise. Manage Different Loan Product/Schemes. (Daily, Weekly, Monthly) Advance Scheme - Multiple interest rates as per no of days and penalty interest EMI -Compound Interest Manage loan officer, agent information, agent commission LTV calculation as per RBI guideline (Auto calculates loan amount based on pledged item’s valuation) Facility to add loan rejection note/remark, loan pending note. Loan installment schedule with payment details, late fee, processing fee, cheque return charges. Loan Approval System based on the Amount, above some limit two approvals may be required. Scan and Save necessary relevant document as part of loan transaction. Active loan, Rejected loan, Closed loan in Dashboards Send SMS/Email to Subscriber (Loan due, Birthday and anniversary greetings) Pledged item Management: Add Pledged item’s weight, qty and remarks, with each item market valuation. Gold stock Master, Search items by item-code, by loan-no, collection date. Online Gold Rate RSS Feed, Daily update of market rate. MIS Reports Daily Gold Stock Movement Statements Daily Branch wise open and close statement Branch wise and consolidated receipt and payment statement Subscriber wise loan payment registers. Outstanding report Branch wise, Subscriber wise. Subscribers Welcome letter, Agreement Loan Statistics/Summary : Total Paid Amount, Remaining Principle Amount, Interest paid. Accounting Module: Journal Voucher, Receipt Voucher, Payment voucher, Invoices, Contra Voucher Chart of Accounts, Accounts Ledgers. Bank Deposits with Interest calculation and reminders Dash board for Cash in hand and cash flow and other transactions, Export to XML. Accounting Reports (Branch wise and also Consolidation for all branches together) Cash in hand Day book Trial balance Balance Sheet Profit and loss statement - Responsive Design - Should work on cloud - Multiple branch facility and control over - 100% source code, copyright - #no prepayment or milestone, once completion of the project we give 100% payment. - Previous experience in developing Indian Accounting package is must