The two in one look
SwarnApp is jewellery software from SwarnApp Software in Nagpur; its website says it is associated with The Thiinker, a Nagpur software firm. It sells three products: retailer software, wholesale software and girvi (mortgage) software. CaratOS is jewellery billing and shop management software made by Izara Gems Pvt. Ltd. in Delhi, for retail jewellers who want billing, old gold, stock, GST and dues in one place, in English or Hindi.
Everything about SwarnApp below comes from swarnapp.com, checked on 2 November 2026. Where their website doesn’t say something, we write “not published on their website” rather than guess. Software changes, so ask them in a demo before you rely on any line here.
| What you need | CaratOS | SwarnApp |
|---|---|---|
| Price | Starter ₹1,199 a month, Growth ₹3,999 a month (₹42,999 a year), GST included | Not published on their website |
| Try before paying | 15-day Starter trial on request, no card; it starts when CaratOS approves it | Free demo; no trial published on their website |
| Where it runs | In the browser at app.caratos.co.in; needs internet. CaratOS Desktop is coming soon | Says “mobile and desktop centralized applications”, built on SQL Server and .Net |
| Phone app | No Android app; the browser app works on a phone or tablet | Retailer and girvi software listed “with mobile app integration” |
| Languages | English and Hindi, chosen by each person | Not published on their website |
| Girvi (gold loans) | No | Yes: a separate girvi product with EMI calculator, KYC photos and transfers |
| RFID | No | Yes: RFID tags for quick stock tally |
| Old gold on the bill | Yes, on the same bill, every plan | Sale bills with URD transactions (buying from an unregistered person, such as a customer’s old gold), and rate cut |
| HUID | On every bill line; BIS check on Growth | Not published on their website |
| Wholesale | On Growth: trade accounts in cash and metal, and B2B quotes with metal and stone rates | Separate wholesale product: rate cut (bhav cut), metal-to-metal, orders and catalogs |
| Approval (memo) | On Growth | On-approval invoices listed |
| Tally | Export on Starter, live sync on Growth | Not published on their website |
| GST returns | GSTR-1 and GSTR-3B figures with the HSN summary | Lists GSTR-1, GSTR-2B and GSTR-3B |
| Branches | 1 on Starter; more on Growth, with transfers | Multiple showroom management |
Where SwarnApp does more
It is only fair to start here, because some shops should stop reading and call SwarnApp.
Girvi. SwarnApp sells separate girvi software. Its website lists an EMI calculator, automatic data backup, KYC photo upload and search, and transferring or updating girvi entries. CaratOS has no girvi at all.
RFID. Their home page lists RFID tags for quick stock tally. CaratOS has no RFID; stock checks use barcode or QR tags.
Wholesale deals. Their wholesale software lists rate cut (bhav cut) and metal-to-metal transactions, order management, image catalogs and manufacturing management. CaratOS Growth has trade accounts in cash and metal and B2B quotes, so ask both to show the deals you actually do.
Desktop and mobile. SwarnApp describes mobile and desktop applications, with mobile app integration for its retailer and girvi software. CaratOS has no Android app; you use it in the phone’s browser.
Where CaratOS does more
SwarnApp also lists GST entries, URD transactions on the sale bill and on-approval invoices, and may cover more of what follows; ask in a demo.
A price you can read before you call. CaratOS Starter is ₹1,199 a month and Growth is ₹3,999 a month, or ₹42,999 a year, with GST included. Everything each plan has is written on pricing. SwarnApp doesn’t publish a price on its website, so you learn the cost after talking to them.
A trial without a card. Request 15 days of Starter. The trial starts when CaratOS approves it, and no card is needed.
HUID on the bill. Each bill line carries the piece’s HUID, with a BIS check on Growth. SwarnApp’s website doesn’t mention HUID.
Old gold on the same bill. Weigh the customer’s old gold, enter the tested purity, and CaratOS works out the fine weight, values it at your old-gold rate and takes it off what they pay, on every plan. See billing and old gold.
Your CA and Tally. Your CA gets a free read-only login. Tally export is on Starter, and Growth adds live sync. SwarnApp’s website doesn’t mention Tally.
Hindi for each person, and WhatsApp. Your salesperson can bill in Hindi while you read reports in English. Share the GST bill on WhatsApp and send one-tap payment reminders from the counter.
What CaratOS doesn’t do today
So you don’t find out after paying: CaratOS has no girvi, no RFID, no Android app and no manufacturing bill of materials. It works online only until CaratOS Desktop arrives. Production stages, karigar pay and wastage, approval memo, savings schemes, discount limits and e-invoices are on Growth, not Starter. Starter has one login plus your CA; Growth has five.
Price: what we could and couldn’t check
For CaratOS the sums are simple. Starter at ₹1,199 a month is ₹14,388 over 12 months. Growth at ₹3,999 a month is ₹47,988 over 12 months, or ₹42,999 if you pay for the year. GST is already inside these figures.
For SwarnApp we couldn’t find a price on swarnapp.com; the website offers a free demo instead. Ask them for the full first-year cost and the yearly cost after that, both with GST, for each product you need, since retail, wholesale and girvi are sold as separate products.
Compare like with like. If you need girvi or RFID, CaratOS can’t give you those at any price, so the cheaper line isn’t the useful one. If you don’t, compare the cost for billing, stock, old gold and GST alone. Our price guide explains what jewellery software usually costs in India.
Who each one suits
- SwarnApp suits you if girvi is part of your business, or you want RFID tags for stock tally.
- SwarnApp suits you if you trade wholesale with rate cut and metal-to-metal deals, and want order management and image catalogs.
- SwarnApp suits you if you want software that runs on your own desktop, with a mobile app linked to it.
- CaratOS suits you if you sell from one counter or a few, and want billing, old gold, stock with HUID, GST and dues in one browser app.
- CaratOS suits you if you want to know the full price before a sales call, and try it for 15 days without a card.
- CaratOS suits you if your CA works in Tally and you want export on Starter or live sync on Growth.
- Use both, or neither, honestly. Some shops keep girvi in one tool and the counter in another. If you need manufacturing with a bill of materials, ask SwarnApp directly; CaratOS doesn’t do it.
Moving from SwarnApp to CaratOS
If you decide to move, this is how it usually goes. CaratOS helps you move on every plan.
Steps to move across
- Take your data out first. Ask SwarnApp for an Excel export of your stock, customers and dues. Their website doesn’t say what formats it exports, so ask in writing.
- Keep girvi where it is. CaratOS has no girvi, so leave your gold loan records in SwarnApp or your existing register. Don’t close that account until every loan is settled.
- Send us the files. Send us the export or your Excel sheets, and we bring your stock, customers and dues into CaratOS. You check every row before anything is added.
- Set your rates and print tags. Enter the day’s gold and silver rates, then print barcode or QR tags for your pieces, with the HUID carried on each one.
- Run both for a week. Make each bill in CaratOS and check it against your old software, until you trust the totals.
- Give your CA a login. Your CA checks the GST figures and the Tally export before the next return.
Questions to ask both in a demo
- Make a bill for a 22K chain with making charges and an old gold bangle in exchange, and show me every line.
- Does the HUID print on the bill? Hallmarked gold jewellery must carry a 6-character HUID under BIS rules.
- Is GST 3% on the bill, split as CGST and SGST in my state and IGST for a customer from another state?
- What is the full price for the first year and each year after, with GST?
- Does it work without internet, and what happens to bills when the connection comes back?
- Can my CA log in, and how do the figures reach Tally?
- How do I take all my data out in Excel if I leave?
See CaratOS with your own sale
Book a demo and bring a real bill from last week: the pieces, the making, the old gold and how the customer paid. We’ll make that bill in CaratOS in front of you. Or request the 15-day trial and try it at your own counter. To see every comparison in one place, read jewellery software alternatives compared.
Sources (checked 2 November 2026)
Questions shop owners ask
Is CaratOS cheaper than SwarnApp?
We can’t say for sure, because SwarnApp doesn’t publish its price on its website. CaratOS is ₹1,199 a month on Starter and ₹3,999 a month on Growth (₹42,999 a year), GST included. Ask SwarnApp for a written first-year price for the same features.
Does CaratOS do girvi like SwarnApp?
No. CaratOS has no girvi (gold loans). SwarnApp sells separate girvi software with an EMI calculator, KYC photos and transfers. If girvi matters to your shop, SwarnApp covers it and CaratOS doesn’t.
Does CaratOS have RFID like SwarnApp?
No. CaratOS uses barcode and QR tags for stock. SwarnApp’s home page lists RFID tags for quick stock tally.
Can I move my data from SwarnApp to CaratOS?
Yes. Ask SwarnApp for an Excel export of your stock, customers and dues, and send it to us. We bring it into CaratOS and you check every row before anything is added. Keep girvi records in SwarnApp, since CaratOS has no girvi.
Is CaratOS connected with SwarnApp?
No. CaratOS is made by Izara Gems Pvt. Ltd., Delhi. SwarnApp is made by SwarnApp Software, Nagpur. They are separate companies with separate products.