Bank-Grade Lending Infrastructure for Everyone

Give Credit Like a Bank

Enabling Businesses to give credit to their customers and partners.
Build trust & Grow Sales.

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Legal Agreements
Legally enforcable contracts
Risk Profiling
Credit History + Scoring
Auto Collections
E-mandate + Reminders
Gold Loans
Jewellers offering instant credit against Ornaments
Consumer Durables
Electronics dealers enabling EMI purchases easier
EV Financing
Dealerships providing E-Vehicles & Solar financing instantly
Private Financers
Private financiers & Family Offices investing their capital safely
Supply Chain / Invoice Finance
Wholesalers providing 30-45 days credit to fund supply chain
4.5 cr+
Financing Enabled
Auto Collections
E-mandate + reminders
Risk Profiling
Credit History + Scoring
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 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 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.

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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.