ByajApp is the simplest way to track money you have lent or borrowed and the interest growing on it — built for shopkeepers, small lenders, traders, and anyone keeping a personal khata.

Stop juggling notebooks and calculator apps. Add a customer, record each transaction with its interest rate, and ByajApp does the math for you — every day, automatically.

WHAT YOU CAN DO

• Add customers and keep a separate ledger for each
• Record money lent or borrowed with the agreed interest rate
• See accrued interest update automatically over time
• Record full or part repayments, with a running balance
• Mark transactions as settled — and unsettle if needed
• Edit or delete any entry, any time
• Attach a receipt photo or agreement to each transaction
• Spot overdue transactions at a glance
• Search and filter your customer list by direction, overdue, or activity
• Sort by name, balance, or last activity

SHARE AND COLLECT

• Download a clean PDF statement for any customer
• Share the statement on WhatsApp, email, or any other app
• Send reminders to your customer with one tap
• Per-entry share so you can settle a single transaction without
pulling the whole ledger

LOCK YOUR LEDGER WITH A PIN

• Set a 4-digit PIN to keep your ledger private on a shared phone
• Open the app freely — your numbers stay hidden until you unlock
• Change or remove the PIN any time from Settings
• Your PIN is hashed and salted before it leaves the device — we
never see the digits you typed
• Designed for everyday privacy (kids, family, roommates) — not as
a substitute for your phone's own lock screen

PRIVATE AND SECURE

• Sign in with your phone number — no password to remember
• Your ledger is tied to your account and synced across your devices
• Data syncs over the internet so a recorded payment is never silently
lost — the app clearly tells you when you are offline

WORKS IN YOUR LANGUAGE

ByajApp supports multiple languages and falls back gracefully to English
where local content is missing. Switch language any time from Settings.

WHO IS IT FOR

• Shopkeepers running a daily udhar / credit ledger
• Small private lenders tracking simple-interest loans
• Friends and family who lend to each other and want a fair record
• Anyone moving from a paper khata to a phone they always carry

WHY BYAJAPP

• Made in India, for the way Indian lenders actually keep books
• Clean, fast interface — no clutter, no confusing finance jargon
• Honest about what it does: it is a record-keeping tool, not a
lending license and not a credit bureau
• Active development — features and language coverage keep improving

A NOTE ON RESPONSIBILITY

ByajApp helps you keep records. It does not lend, borrow, or move
money. Always follow the lending laws of your state and your written
agreement with the other person. The interest figures shown are
informational and based on the rate and dates you enter.

GET STARTED

Install ByajApp, sign in with your phone number, add your first
customer, and record your first transaction in under a minute.