Gold / Jewellery Finance

Offer CREDIT to your Customers just like a BANK

Start your journey
Bank-Grade Lending Infrastructure

Credit History

Auto-Collection

Legal Agreements

Credit Ledgers

Wholesale Capital

What We Do

Designed for Modern Businesses

From Informal Lenders to Microfinance Companies, from Jewellers to Wholesale Merchants — Our Platform powers credit for businesses of every size and scale.

"The compliance support and technology platform gave us the confidence to run it like a business and scale our operations."

Ujjwal Agarwal
Bhopal, Madhya Pradesh

"Bahi Khata lets us compete with big showrooms by offering us flexible repayment terms for our customers to buy jewellery."

Rockak Verma
Najibabad, Uttar Pradesh

"We are able to finance more electronics now as defaults dropped significantly with automated repayments and borrower insurance. Ability to check credit history of our customers also gives us confidence."

Amit Gupta
Kanpur, Uttar Pradesh

Credit Education

Viewers who trust Bahi Khata for honest credit advice. Whether you are dealing with banking apps, NBFCs, or informal lenders, our YouTube Helpdesk is your safe space. We offer free, expert guidance to help you understand your rights, manage your repayments, and protect your financial future.

View All

Frequently Asked Questions

Here are the most common questions with answers.

All lending operations on our platform are conducted through our registered NBFC partners, ensuring complete compliance with RBI regulations. We handle all regulatory requirements so you can focus on growing your business.

Our platform provides comprehensive credit assessment tools, access to major credit bureaus for borrower history checks, automated bank statement analysis, and real-time risk scoring to help you make informed lending decisions.

We use E-mandate technology that automatically debits repayment amounts from borrowers' bank accounts on due dates. This significantly reduces default risk and eliminates the need for manual collection efforts.

All borrowers on our platform are covered by comprehensive insurance that protects against defaults due to death, disability, or other unforeseen circumstances, providing an additional layer of security for your investments.

Our platform connects you with institutional investors and provides access to credit lines that allow you to scale your business operations beyond your own capital, increasing your potential returns.

We require basic KYC documentation, proof of credit disbursement history, and a minimum capital commitment. Our team will guide you through the entire onboarding process and provide comprehensive training on using our platform.