Gold savings scheme web app

IRAORA

Manage Plans. Automate Collections.

IRA ORA helps jewellers manage gold savings schemes, monthly instalments, customer collections, payment reminders, WhatsApp reminders, and UPI AutoPay from a single platform.

No app required for your customers
or see how it works
IRA ORA dashboard open in a browser — ₹5,55,900 due this month of ₹6,35,000 to collect across 331 active customers, a six-month collection trend, an 89% on-time success rate, and the customers who need a follow-up today
What IRA ORA does

One platform for collections & gold savings.

IRA ORA brings gold savings schemes, monthly instalments, automated collections and customer ledgers together — a purpose-built collection app for Indian jewellers.

Gold Savings Scheme Management

Create and run gold savings schemes and monthly savings plans for every customer, with flexible durations, amounts and maturity tracking.

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Jewellery Monthly Instalment Tracking

Track every monthly instalment across all customers in one place. See who has paid, who is due and what is outstanding at a glance.

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Automated Payment Collections

Collect monthly payments automatically with payment links and reminders, so instalments arrive on time without manual follow-ups.

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UPI AutoPay for Jewellers

Set up a one-time UPI AutoPay mandate and let monthly instalments debit automatically on the due date — no chasing, no reminders.

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WhatsApp Payment Reminders

Send polite, personalised WhatsApp reminders in your shop's name, so customers never forget a monthly instalment.

Customer Ledger & Outstanding Tracking

Maintain a complete customer ledger with payment history, balances and outstanding amounts for every gold savings plan.

The problem

Every month, the same routine.

Many customers join your monthly gold savings plan. Tracking each one becomes a full-time job in itself.

Payments get delayed
Customers miss their date and it slips through the cracks. Weeks pass before you notice.
Customers forget
It's not intentional. Monthly instalments simply fade from memory until reminders go out.
Follow-ups are awkward
Calling every month to ask for money strains the relationship. It's uncomfortable for both sides.
Tracked in registers or Excel
Customer names and payments logged in a physical register or spreadsheet. Easy to lose, hard to search, impossible to share across staff.
And then next month, it all repeats.
How it works

Three steps. That's the whole thing.

Set up a customer once, IRA·ORA handles every month after that.

01

Add the customer to a plan

Register your customer against a gold savings plan or a monthly instalment scheme. Takes less than a minute.

LD
Lakshmi Devi
11-Month Gold Plan · ₹2,000/mo
Month 1 · 15 JunPAID
Month 2 · 15 JulPAID
02

Automatic WhatsApp reminders

Each month, IRA·ORA sends a polite, personal reminder to your customer, in your shop's name.

Sent via WhatsApp
03

Customer pays from the link

They pay through the link, or set up automatic monthly payments once, and it happens on its own.

Confirmation reaches you instantly
For regular customers

Set it up once. The money arrives every month.

Your trusted customers can authorise a simple UPI autopay mandate. One time, in under a minute. After that, their monthly instalment is collected automatically on the due date.

No more reminders. No more follow-ups. No more waiting for them to tap a link. The shop just sees the payment come in, every month, on time.

Customer stays in control
They can pause or cancel the mandate from their own UPI app anytime.
Collected on the due date
The instalment is debited automatically on the same day every month. No chasing.
Confirmed in your app
Payment arrives in IRA·ORA automatically. Instalment marked paid, no action needed from you.
Set up autopay
Monthly instalment · Gold savings plan
Paying to Kumar Jewellers
Amount ₹2,000
Frequency Every month · 15th
Duration Until 15 Jul 2027
Mandate active · 8 months remaining
Auto-debit · 15 Aug
₹2,000 collected
Auto-debit · 15 Sep
₹2,000 collected
Auto-debit · 15 Oct
Scheduled
Inside the product

Everything a jeweller needs, nothing they don't.

Purpose-built for the way you actually run your shop — these are real screens from IRA ORA.

IRA ORA customers list — every saver with their phone, active plans, outstanding balance and Active/Overdue status, searchable and sortable
Customers
Every saver, their plans, balance and status — searchable and sortable.
IRA ORA Messenger — WhatsApp connected, the list of customers who need a reminder, and a one-tap Remind action for each plus Remind all
WhatsApp Messenger
Nudge every due customer — and track each message sent.
IRA ORA gold savings plan templates — Sumangali Gold, Dhanvarsha, Akshaya Gold and more, each showing monthly amount, duration, maturity bonus, amount collected and enrolment count
Gold savings plans
Your scheme templates and everyone enrolled in each.
IRA ORA customer profile — plan progress at 55%, amount collected, the next instalments due, and one-tap Call, Message and Collect actions
Customer profile
Every plan, payment and instalment — collect in one tap.
Why it works

The quiet difference in how your shop runs.

Collect on time

Reminders go out on the right day, every month. Without you lifting a finger.

Fewer follow-up calls

The awkward "just reminding you…" conversations disappear. Your relationship stays warm.

Works through WhatsApp

Your customers don't install anything. Reminders and payments all happen where they already chat.

Autopay for trusted customers

One UPI mandate. Monthly instalment collected automatically. Zero follow-ups.

Why IRA ORA

Why jewellers choose IRA ORA

IRA ORA is designed for the way jewellery businesses actually run their gold savings schemes and monthly collections.

1

Designed specifically for jewellery businesses

IRA ORA is built around gold savings schemes and monthly instalments — not a generic billing tool or retail POS forced to fit.

2

Automates collection workflows

From reminders to UPI AutoPay debits, IRA ORA runs your monthly collection workflow automatically, month after month.

3

Reduces manual follow-ups

Polite automated reminders replace awkward phone calls, so your team spends far less time chasing payments.

4

Increases collection efficiency

More instalments collected on time means healthier cash flow and fewer plans slipping through the cracks.

5

Improves customer retention

A smooth, professional payment experience in your shop's name keeps customers coming back for their next plan.

FAQ

Questions jewellers ask about IRA ORA

What is IRA ORA?

IRA ORA is a gold savings scheme management platform that helps jewellers automate monthly instalments, recurring collections, UPI AutoPay mandates, WhatsApp reminders, customer ledgers and payment tracking from a single platform.

What is a gold savings scheme app?

A gold savings scheme app lets a jeweller create and run monthly savings or instalment plans for customers, track each payment and balance, send reminders and collect dues automatically. IRA ORA is a purpose-built gold savings scheme web app for Indian jewellers.

How does IRA ORA collect monthly instalments automatically?

Customers can authorise a one-time UPI AutoPay mandate. After that, each month's instalment is debited automatically on the due date and marked paid in IRA ORA, so there are no reminders or follow-ups to send.

Do my customers need to install an app?

No. Your customers do not install anything. IRA ORA sends payment reminders and links over WhatsApp, where they already chat, and they pay with one tap or through UPI AutoPay.

Can IRA ORA send WhatsApp payment reminders?

Yes. IRA ORA sends polite, personalised WhatsApp payment reminders in your shop's name on the right day every month, so customers never forget a monthly instalment.

Is IRA ORA suitable for small jewellers?

Yes. IRA ORA works for a single neighbourhood showroom as well as multi-branch jewellers. You can start with a free trial and manage your gold savings schemes and monthly collections from day one.

Does the money go through IRA ORA?

No. IRA ORA is a web-based app, not a bank or escrow. Payments are processed through regulated payment partners and settle to your own account. Your money stays with you.

How do I start using IRA ORA?

Start a free trial at app.iraora.com, add your customers and their gold savings or instalment plans, and IRA ORA handles reminders and collections every month after that.

Made for jewellers

Built for the way your shop actually works.

Not a generic billing tool. Not a retail POS. Designed from day one for the monthly collection problem every Indian jeweller knows.

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Works with your existing register or Excel
Your money stays with you