Business Profit  के लिए करो
Udhaar ki Tension के लिए नहीं

Use our AI Tools to Lend to your Customers like a Bank

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How does our Solution work ?

Our AI platform empowers businesses like yours to give, track and recover your Udhaar timely and safely.

Business

Sells goods / services on Credit

Bahi Khata Core

Customer Risk Profiling
eMandate Auto-Collection
Legal Agreements
Reminders
Khata & Casbook
Wholesale Capital
Customer A

Retailer

Customer B

Contractor

Customer C

Regular Buyer

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 compliant structure, support and technology platform gave us the confidence to deploy our family funds. Running it professionlly 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."

Rochak Verma
Najibabad, Uttar Pradesh

"We are able to finance more electronics now as defaults dropped significantly with automated repayments and borrower risk checking."

Amit Gupta
Kanpur, Uttar Pradesh

Our Impact

We are proud to have helped businesses of every size and scale to manage credit more intelligently.

₹4.5 Cr+
Financing Enabled
₹4.5 Cr+
Auto Collections

Finance Explained in Plain Language

Along with building credit tools we help people understand credit better without any Financial Jargon. Our Youtube Channel helps borrowers and small businesses make smarter decisions through practical finance education.

People Love Us ❤️

Monthly Views
4.4+ Million
Subscribers
30,000+

Frequently Asked Questions

Here are the most common questions with answers.

We don't lend directly ourselves.

But - Yes, You can get loans through Bahi Khata's lending partners, based on business activity, repayment history, eligibility criteria & their credit policy.

Bahi Khata is built for small businesses, shop owners, wholesalers, distributors, service providers, and anyone who gives or manages udhaar (credit) in their business.

Traditional Khata apps focus mainly on recording transactions & try to sell you Loan/Insurance products from Banks; Whereas Bahi Khata provides tools, processes to help You Give Credit safely and recover it back ..

We work to grow your lending and thus your business, not to compete with yours.

No Ads, No Fees, No Data Sharing — Bahi Khata is free forever, with no advertisements, no hidden charges, and no selling or sharing of your business data.

Not today, Not tomorrow, Not ever.

We provide you export, import tools if ever you want to move your data to other apps.

Yes. Bahi Khata is designed to work even with slow or unstable internet. You can continue recording transactions and viewing saved data, and everything syncs automatically once the connection is restored. Offline-first apps commonly store data locally and sync later when internet becomes available.

Yes. Your data is stored securely in the cloud and linked to your account, not just your device or SIM card. If you change your phone or lose your SIM, you can log in again and access your records safely.

No. Bahi Khata is designed to be simple and easy to use — you don’t need accounting knowledge to manage udhaar, customer ledgers, or payments. It works same way your business works.

Yes. You can use Bahi Khata to manage personal udhaari with friends and family, keep track of money given or borrowed, and recover payments without affecting relationships.

If you have taken credit from a Bahi Khata user, you may also be able to view the transactions they record against you for better transparency.