PRECIOUS METALS FINANCIAL INFRASTRUCTURE
The Financial Backbone of the Gold & Diamond
Industry
CARATSTONE Solutions builds regulated fintech infrastructure — powering CARAT24, India's first neobank designed exclusively for the gold, diamond & bullion ecosystem..
Built for jewellers, bullion traders, manufacturers, wholesalers & industry institutions.
₹8L+ Cr
Market Size
500K+
Jewellery Professionals
#1 India
Global Diamond Hub
Why Traditional Banks Fail the Jewellery Industry?
Generic banks are built for generic businesses. Jewellery and bullion trade demand precision, asset-awareness, compliance, and speed — which legacy banking systems were never designed to handle
Industry-First Banking Architecture
Compliance Integrated at the Core
Credit Aligned to Real Assets
Carat24- Banking, Rebuilt for the Gold & Diamond Industry
Traditional banks are generic. CARAT24 is engineered specifically for jewellers, bullion traders, manufacturers, and wholesalers — with gold, diamonds, and compliance at its core.
Industry-Native Banking
Bank accounts designed around gold & diamond businesses — inventory cycles, high-value transactions, seasonal liquidity, and trade realities built in from day one.
Asset-Linked Credit Engine
Credit and limits intelligently aligned with gold holdings, stock movement, and business activity — enabling faster access to capital without legacy friction.
Compliance Embedded by Design
GST, invoicing(Pakka - kacha Bill), transaction traceability, and audit-readiness woven directly into the banking layer — not added as external tools.
Unified Payments & Settlement Rail
UPI, cards, and account-to-account payments unified under one controlled banking system — built for high-value, high-frequency industry transactions.
Live Metal-Aware Intelligence
Real-time gold pricing, exposure visibility, and transaction context directly inside the banking interface — connecting money with metal
Bank-Grade Security, Industry-Grade Control
Institutional-level security with granular transaction controls, role-based access, and safeguards built for multi-employee jewellery operations.
Your Bank. Built Around Gold & Trade
Every screen, workflow, and control is designed around how jewellery and bullion businesses actually operate — not how consumer banks assume you do.
Business Banking Overview
Track your balance, gold holdings, and recent transactions at a glance
Asset-Linked Credit
Access working capital aligned to your gold holdings with transparent, faster and trade-aware risk logic.
Compliance-Ready Ledger
Automatically structured records built for GST, audits, and reporting — without manual reconciliation.
4.8★
App Rating
50K+
Downloads
99.9%
Uptime
24/7
Support
This is not an app you use occasionally. This is the financial system your business runs on.
Automated Compliance & Smart Invoicing
Never miss a GST filing or TDS deadline again. CaratStone's intelligent compliance system automatically generates invoices, tracks tax obligations, and provides real-time dashboards—saving you time and protecting you from costly penalties.
Auto GST/TDS Filing
Real-time tax compliance tracking
Smart Invoicing
Generate compliant invoices instantly
Instant Credit Access Tailored for Jewellers
Get fast, flexible credit designed specifically for the jewellery trade. Our proprietary underwriting accepts inventory as collateral, offering competitive rates and terms that traditional banks simply can't match. Fuel your business growth without cashflow constraints.
Inventory-backed credit solutions
Flexible repayment terms
Quick approval within 48 hours
Trusted by India's Leading Jewellers
Join thousands of jewellers, diamond traders, and bullion professionals who have transformed their business with CaratStone. Here's what they have to say.
CaratStone has transformed how we manage our jewellery business finances. The compliance tools alone have saved us lakhs in potential penalties.
Rajesh Mehta
Owner, Mehta Jewellers
Designed for the Jewellery Value Chain
Powering digital transformation across India's jewellery value chain
Open the Bank Built for the Jewellery Industry
CARAT24 is India's first industry-native neobank for gold, silver, and diamond businesses — combining banking, payments, credit, and compliance into a single regulated financial system.
CaratStone
SECURE. GROW. PROSPER
India's first digital-only neobank dedicated to the gold, silver, and diamond ecosystem. Banking reimagined for jewellers.
Empowering jewellery businesses with seamless payments, instant credit facilities, inventory financing, and real-time gold price tracking. Built for manufacturers, wholesalers, and retailers in the precious metals industry.
RBI Compliant
Secure
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© 2025 CaratStone. All Rights Reserved. | CARAT24 — Industry Banking for the Precious Metals Economy
Made with🤍in India