Banks and branches
A gold loan valuation ends up in a bank's hands. GOLD PRO models that in two layers: the bank, which is the institution a valuation names, and the branch, which is the actual office and manager the report is emailed to. You attach a valuation to a bank when you create it, and to a branch when you send it.
Everything here lives under Admin > Banks & Branches and is admin-only.
The bank catalog
The banks you can pick from are a shared catalog maintained centrally, plus any bank your own shop has added. You never have to populate the common ones.
A bank is added the first time you use it. On the valuation form, choosing Other (Add New) and typing a name creates that bank for your shop when the valuation saves. Names are matched loosely before that happens, so a bank that already exists in the shared catalog or in your own list is reused rather than duplicated by a difference of case or spacing.
Banks added this way are private to your shop. A bank another shop typed in is never offered to you, and yours is never offered to them.
Branches and managers
One shop deals with many branches of the same bank across different areas, each with its own manager and address. Add each one under New Branch.
| Field | Required | Notes |
|---|---|---|
| Bank | Yes | Which bank this branch belongs to |
| Branch Name | Yes | How you recognise it, for example "Andheri West, Mumbai" |
| IFSC Code | No | Shown next to the branch name in the send picker |
| Manager Email | Yes | The address the report is sent to |
| Manager Name | No | Addresses the email to a person |
| Manager Phone | No | Reference only |
| Email Subject | No | Overrides the default subject for this branch |
| Email Body | No | Overrides the default body for this branch |
Branches are listed grouped under their bank. A branch can be deactivated when a manager moves on; an inactive branch is not offered at send time and cannot receive a report.
The subject and body fields accept placeholders, which are filled in per report:
| Placeholder | Fills in with |
|---|---|
{{customerName}} | The borrower's name |
{{bankManagerName}} | The manager on this branch |
{{totalValue}} | The valued amount |
{{estimatedLoan}} | The estimated loan amount |
{{tenantName}} | Your shop's name |
{{valuationId}} | The valuation's identifier |
Leave both blank and the branch inherits the defaults described below.
One rate per bank, many branches
The two things you configure per bank have deliberately different shapes, and it is worth knowing which is which.
| Branches | Gold rate | |
|---|---|---|
| Rows per bank | Many, one per office | Exactly one |
| What it carries | A manager and their contact details | The 22K rate per gram that bank lends against |
| Edit behaviour | Add, edit and deactivate independently | Saving overwrites the current rate |
A bank publishes one gold loan rate and applies it across its network, so a rate belongs to the bank as a whole. A manager is a person at one office, so contacts belong to the branch. Recording ten branches of the same bank does not give you ten rates to maintain, and changing that bank's rate per gram applies to every branch of it at once.
Setting a bank's rate is covered in Gold rates; this page is about who the report reaches.
Sending a report to a branch
Branches are not chosen when a valuation is created. Open the finished valuation, find Bank Communication in the Export & Send panel, pick the Branch / Manager, and press Send Bank Email.
Your choice is stored on the valuation, so a later re-send goes to the same manager without you picking again. The branch is re-checked against your shop and against that valuation's bank every time, so a report can never be sent to a branch belonging to a different bank.
The recipient is resolved in this order:
| Order | Recipient |
|---|---|
| 1 | The chosen branch's manager email |
| 2 | The bank's default email, if the bank template carries one |
| 3 | Nothing — the bank copy is skipped |
The third case is skipped, not failed. If you send to both the customer and the bank and no bank address can be resolved, the customer copy still goes out and the send does not report an error for the bank. The valuation page tells you when a bank has no branch set up, so check that panel rather than assuming a silent send succeeded.
Each target is sent independently. A bank email that fails does not undo a customer email that already went, and only the failed target needs retrying.
What the branch manager receives
An email with the valuation report PDF attached, sent from your shop's sender address and carrying your support contact details. The PDF is generated fresh at send time from the stored valuation, so it shows the rates per gram that priced it rather than today's.
Subject and body are resolved from the most specific source available:
| Order | Source |
|---|---|
| 1 | This branch's own subject and body override |
| 2 | Your shop's bank email template, from Personalization |
| 3 | The bank template's default |
| 4 | A built-in default |
The manager's name is always taken from your branch record when you have set one.
Privacy and isolation
Branch records are private to your shop. The managers you deal with, their addresses, and the rate you have negotiated with a bank are commercial information, and none of it is visible or selectable from another shop's account. This is enforced on every read and every write, not only in the interface.
The shared bank catalog is the one exception, and it holds nothing but institution names.