A professional web-based system to manage customers, monthly installments, WhatsApp reminders, collections, pending follow-ups, ledgers and scheme completion — from one dashboard.
Designed around the real day-to-day workflow of Suvarn Bachat Yojana so the owner and staff spend less time remembering tasks and more time serving customers.
Suvarn Bachat Yojana involves repeated monthly activities for every member. The system is designed so that customer schedules, reminders, payment confirmations and pending follow-ups happen systematically instead of depending on memory.
Total members, active schemes, today's collection, monthly collection, pending/overdue EMIs, upcoming dues, completion and reward status.
Customer details, WhatsApp number, scheme, payment history, outstanding amount, progress, reward status and communication history.
₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 or custom monthly amounts with configurable scheme rules.
System generates all 11 installment records automatically with due dates and status tracking.
Installment number, due date, payment date, amount, method, reference, remarks and staff audit trail.
Mark EMI as paid and automatically update ledger, progress, collection totals and customer confirmation.
Identify customers completing 11 installments and manage Eligible, Pending, Claimed and Closed reward states.
Daily/monthly collections, pending/overdue EMI, customer ledger, scheme-wise and staff reports with CSV/Excel export.
Owner/admin and staff access with controlled permissions and activity tracking.
Send selected business announcements to all, active members, completed customers, pending customers or selected contacts.
Welcome, EMI reminder, due today, pending, payment confirmation, completion and marketing communication templates.
Accessible through desktop, laptop, tablet and mobile browser without requiring a separate app.
The automation engine runs every day and checks who needs a reminder, who has paid and who still needs a follow-up.
Customer receives an automated WhatsApp reminder containing their name, EMI amount and due date.
Customer who has not yet paid receives the due-date reminder automatically.
Unpaid installments are identified and followed up according to the owner's configured timeline.
Every message can use live customer and scheme data.
Staff only needs to record the received payment. The system handles the rest.
The value is not only in the screens. It is in the recurring work the system removes, the visibility it creates and the customer experience it standardizes.
Reduce repeated checking of due dates, customer records, payment status and reminder lists. The system creates the work queue automatically.
Every active member follows the same configured reminder journey, reducing dependence on staff memory.
Customers receive timely reminders and pending follow-ups, helping the business maintain payment discipline.
Owner can see total collection, pending amount, overdue members, completed schemes and staff activity from one dashboard.
Installment schedules, progress and totals are system-driven rather than repeatedly calculated by staff.
Professional payment confirmations and clear scheme progress give customers confidence in their account.
The daily process becomes simple: search customer → record payment → system handles the rest.
Whether the scheme has 50, 500 or more members, the same automated workflow can manage the recurring process.
Completed customers can later be targeted for renewals, jewellery launches, festivals, referrals and personalized campaigns.
The core system is designed so AI can work with actual customer scheme information rather than generic answers.
“What is my next EMI date?” “How much have I paid?” “How many installments remain?”
Answer approved FAQs about the scheme, payment process, store details and common customer questions.
Future-ready generation of festival, new collection, offer and scheme-renewal campaigns.
Future-ready categorization of regular, late-paying, completed and high-value customers.
Future-ready customer access to scheme progress, EMI schedule, ledger and reward status.
Future-ready payment link → gateway → automatic payment update → confirmation.
The following is a clickable-style visual prototype inside this quotation. It is designed to help the client understand the proposed Admin Dashboard and Customer Dashboard experience.
| Customer | EMI | Status |
|---|---|---|
| Ramesh P. | ₹2,000 | Paid |
| Neha S. | ₹3,000 | Paid |
| Harish J. | ₹5,000 | Pending |
| Meena P. | ₹1,000 | Overdue |
5-day reminders
61Due today
38Pending follow-ups
276 payments successfully recorded
Active • 5 installments remaining
Note: Dashboard values shown above are sample data for demonstration. Final UI, branding, fields and permissions will be finalized during development.
The package is structured to deliver the complete operational foundation first, while leaving a clean path for future advanced modules.
| Deliverable | Included in Development Package |
|---|---|
| Responsive Web Application + Admin Dashboard | ✓ Included |
| Customer & Suvarn Bachat Yojana Management | ✓ Included |
| Automatic 11-Month EMI Schedule | ✓ Included |
| Payment Entry + Complete Digital Ledger | ✓ Included |
| Scheme Progress + Completion + Reward Status | ✓ Included |
| WhatsApp API + Template Integration | ✓ Included |
| 5-Day Reminder + Due-Date + Pending Follow-up | ✓ Included |
| Payment Confirmation + Announcements | ✓ Included |
| Staff / User Management + Permissions | ✓ Included |
| Reports + CSV/Excel Export | ✓ Included |
| Automated Scheduler / Cron Engine | ✓ Included |
| Basic AI Customer Assistance | ✓ Included |
| Deployment + Initial Configuration + Training | ✓ Included |
| Special Development Investment | Price after discussion |
Online EMI Payment Gateway
Advanced AI WhatsApp Assistant
Customer Self-Service Portal
AI Marketing Assistant
Gold Rate API Integration
Loyalty & Referral System
Advanced Business Analytics
Multi-Branch Management
Estimated delivery subject to timely feedback, credentials, server access and WhatsApp template/provider approvals.
Payment schedule: 40% advance → 30% core system → 20% automation/testing → 10% final deployment.
Bug-fixing warranty for delivered functionality. New requirements and third-party changes are separate.
WhatsApp/Meta/BSP charges, AI API usage, payment gateway fees, hosting/server, domain, SMS, email and other external services are separate.
Client will approve due date, grace period, late-payment conditions, cancellation, 11+1 benefit calculation, redemption and scheme terms before implementation.
Messaging is subject to applicable WhatsApp/Meta policies, approved templates and provider limitations.
Suvarn Bachat Yojana becomes a structured digital operation where every customer has a schedule, every payment has a ledger entry and every required reminder can happen automatically.
₹ Price after discussion • Complete Development Package