Great app to record loans. Very simple and easy interface. Anyone can easily use it!
For lenders in Bharat
Credit & Finance that stays in the khata
Most of Bharat still borrows from a neighbourhood lender. Byaj Book is the book that keeps every rupee clear.
Already keeping your book with us? The web login opens the same khata.
About us
Credit in Bharat still moves through local lenders. We build the tools that let them lend further, and keep every rupee accounted for.
Money lenders fund loans from their business, their savings, and from other informal lenders. Our aim is to simplify that work, so more people who never reach a bank can still get credit.
- July 2021Android app launched
- 500K+Downloads so far
The gap
Formal credit does not reach most small shops and households. A neighbourhood lender is often the only source of a loan.
The khata
Those loans lived in a paper bahi. Interest, dues, and reminders were slow to total and easy to lose.
The same book, digital
ByajBook is that khata on a phone and a computer: balances, reminders, and reports in one place, so lenders can serve more people.
Our reach
The lenders who carry this credit are not in one city. They are the shop, the jeweller, and the household book across Bharat.
20 million+
Money lenders across India already fund small shops and households. This book is for them.
$300B
The credit gap for small businesses in India. A khata that is easy to run helps lenders put the capital they have to work.
5,00,000+ Users
Most of them keep their book in tier 2 and tier 3 cities, where the paper bahi is still the system of record.
Features
A paper bahi can hold the numbers. It cannot remind, lock, or travel to a desk. These are the parts that do.
Available on Desktop
Open the same khata on a computer when the counter is busy and the phone is put away.
Security lock
Close the book when you step away. A lock keeps the accounts private.
Automated Reminders
The bahi cannot tap a borrower on the shoulder. Byaj Book can, when a payment is due.
Generate Reports
When someone asks what is still outstanding, pull the record instead of turning pages.
Offline Mode
The shop does not wait for a signal. The book still updates when the network drops.
Calculations simplified
Interest and what is still owed, worked out so you do not do the sum by hand.
Download the app
The bahi that used to sit on the counter now fits in a pocket. Open the same book on the web when you are at a desk.
Why us
Lenders who left the paper bahi say the same thing: the book is easier to trust when anyone in the shop can read what is owed.
FAQs
It is the digital khata for people who lend and borrow. Balances, interest, reminders, and reports live in one book, on a phone or a computer.
Shop owners, jewellers, money lenders, and anyone who used to keep a paper bahi for what is lent and what is still owed.
Yes. The khata on the phone is the khata on the web. Start on one, continue on the other.
The shop does not have to stop. Offline mode lets you keep the book updated, and the records catch up when the connection returns.
Contact us
A question about the khata, a shop that wants to move off paper, or a note for the team. We read every one.