Running a valuation

A valuation is the central record in GOLD PRO. It ties one borrower to a set of weighed ornaments and to the gold rate per gram those ornaments were priced at, and it produces a PDF certificate you can hand to the customer or email to a partner bank.

Open Gold Valuation > New Valuation. The form has three steps — borrower, ornaments, terms — and nothing is saved until you press Save Valuation on the last one. You can move between steps freely; each step checks its own fields before it lets you forward.

You do not need to configure anything first. If you have never set a gold rate per gram, the form falls back to a shared market rate, and a borrower or a bank can be created inline as you go.

Choose the valuation mode

The toggle at the top of step 1 decides what you are producing. It changes which fields appear for the rest of the form.

The two modes keep separate drafts. If you fill in a gold loan, switch to certificate, and switch back, your loan entries are still there.

Step 1: Borrower, bank and rate

Search the borrower picker by name or phone number. Archived borrowers are hidden from it — if the person you want is missing, reactivate them from Customers first.

To value for someone who is not in your customer book, choose Other (Add New) and type their name and phone number. Scan KYC reads both off a photo of an ID card, and files any address it finds into the appraiser note. The borrower row is written only when the valuation itself saves, so a rejected valuation never leaves a stray customer behind.

If the phone number already belongs to one of your borrowers, the form stops you and names them. Select them from the list instead of adding a duplicate.

Selecting the bank

In gold loan mode, pick the destination bank. The list holds the shared bank catalog plus any bank your shop has added. Choosing Other (Add New) and typing a name creates that bank for you when the valuation saves; if the name matches a bank that already exists, the existing one is reused rather than duplicated.

You choose the bank here, but not the branch. The branch — and therefore the manager who receives the report — is chosen later, at the moment you send it.

Choosing the rate basis

The Rate Per Gram panel shows the 24K, 22K and 18K rates the valuation will use. When the bank you picked has its own rate configured, you get a choice of two:

Picking a bank that has a rate selects that bank's rate for you, because a report bound for a bank is normally priced at the bank's own figure. You can switch back to the live rate. If the bank has no rate configured, no choice appears and the live rate applies. Both rates are printed on the certificate whichever one prices the valuation. See Gold rates for where each comes from.

Step 2: Weigh the ornaments

Add one line per kind of item. Scan Receipt to Auto-fill reads an existing purchase receipt and fills the lines for you; check every figure it produces against the scale before continuing.

Quantity does not multiply the value. A line with a quantity of 5 means five pieces weighed together, so the gross weight you enter is the total for all five. Entering the weight of one piece under-values the set by a factor of five.

Each line also shows Pure Gold, the fine gold content at that purity, and an estimated value: the net weight multiplied by the rate per gram for that line's purity. Lower purities are priced at their own rate, never at the 22K rate.

Evidence

Two photo slots per line take a picture from the device camera or an existing file; images are compressed before upload. Under Purity Check you can record how purity was established — Touchstone, XRF Machine, Acid Test, Hallmark, Gravity Check, or several — and tick Purity verified. At the foot of the step, Ornament Receipt holds an optional purchase receipt for the whole set.

None of this evidence is mandatory, and all of it appears on the record.

Step 3: Terms and summary

The appraiser name is taken from your login and cannot be edited. The note is free text and prints on the certificate.

In gold loan mode you set the terms:

The summary totals gross weight, net weight, pure gold content and value, and — for a gold loan — the estimated loan and a repayment breakdown down to the per-month instalment. These figures update as you type, and they are what the server recalculates and saves. Choosing a repayment schedule creates the EMI rows covered in EMI tracking.

Press Save Valuation. You land on the valuation's own page.

The Dispatch Options checkboxes on this step do not send anything today. They are recorded but not acted on. Send the report from the valuation page as described below.

If you are offline when you save, the valuation is held on the device and synced when the connection returns. Each one carries a key that prevents a retry from creating a duplicate.

What gets saved

The server prices the valuation itself. The form sends which rate basis you chose, never the rate figures, so the totals on the certificate are always ones the system computed.

Every valuation stores the 22K live rate per gram and the bank's 22K rate per gram exactly as they stood at the moment you saved, alongside which of the two applied. That snapshot is why a certificate re-printed weeks later still shows the figures it was priced at, even after rates have moved. The creation is written to your activity log.

Send the certificate

Open the valuation and use the Export & Send panel.

Document Export gives you Preview PDF and Download PDF.

Customer Communication has Send Customer Email, which attaches the report PDF, and Send Customer WhatsApp, which sends a short summary message. Each is disabled when the customer has no email address or no phone number on file.

Bank Communication is where the branch is decided. Pick the Branch / Manager for this report, then Send Bank Email. The report goes to that branch manager, and your choice is stored on the valuation so a re-send goes to the same person. With no branch set up for that bank, the report falls back to the bank's default address if one exists; if neither is present, the bank copy is skipped rather than failing. Add branches under Admin > Banks & Branches, as covered in Banks and branches.

Targets are sent independently. If the customer email succeeds and the bank email fails, only the bank email needs retrying — the customer will not receive a second copy.

Errors you may see

Every message below stops the save; nothing is written until it is resolved.

A valuation that is rejected leaves nothing behind — no borrower, no bank, no partial record. Fix the cause and save again.