How to Track Gold Given to Karigars (Without Losing a Gram)

Why karigar gold goes missing

Almost every jeweller who works with karigars has faced it: the register says one thing, the karigar says another, and a few grams are unaccounted for. Usually nobody is dishonest — the problem is the record-keeping. Entries are made later from memory, purity is not noted, returned pieces are weighed but not converted to fine gold, and loss (ghat) is never compared against what was agreed.

The fix is a simple, consistent routine. It works on paper, but it is far easier — and far harder to get wrong — in software built for jewellers.

Step 1: Issue gold on a signed outward challan

Every time gold leaves your shop for a karigar, record it on an outward (issue) challan at that moment — not at the end of the day.

• Karigar name and date
• Gross weight issued
• Purity (e.g. 22K / 91.6%, 18K / 75%)
• What the gold is for — the order or design
• Signatures of the person issuing and the karigar

Step 2: Convert everything to fine gold

Karigars receive and return gold at different purities, so gross weight alone is misleading. Convert to fine (pure) gold: fine gold = gross weight × purity.

Step 3: Receive finished work on an inward challan

When pieces come back, record them on an inward (receive) challan: weight, purity, any scrap or leftover gold returned, and signatures. Weigh in front of the karigar so both sides agree on the numbers.

Step 4: Keep a running balance per karigar

For each karigar, the fine-gold balance is simply: total fine gold issued − total fine gold received (jewellery + scrap). This is the gold that is with the karigar right now. Check it every week; if it keeps growing while work is not pending, ask why.

Step 5: Compare actual loss with agreed ghat

Agree the allowed ghat (loss percentage) with each karigar for each type of work. After every job, compare the actual loss with the agreed figure. Small, consistent differences are normal; large or growing ones need a conversation early — before they become a dispute.

Doing this in software

DMD Gold is made only for the jewellery trade, with a simple screen that shop owners, family members and counter staff can learn without any computer background. In DMD Gold, you create outward and inward challans in a few taps; the software converts weight and purity to fine gold, keeps every karigar's balance up to date, and shows the loss on each job automatically. Signatures are mandatory on every challan, and karigar profiles hold Aadhaar, PAN and GST details with full history.

Frequently asked questions