VyajPay: Udhar Khata Book

VyajPay is a simple digital khata book for shopkeepers, small businesses and anyone who keeps a hisab across India. Record udhar given and received, keep a customer-wise khata, note interest (byaj) where it applies, and see your complete hisab — all in one clean app, in your language.

Replace your paper bahi khata with clear digital records. Record amounts given or received, calculate byaj automatically, track outstanding balance, and see customer-wise payment history at a glance.

✅ Udhar Khata
Maintain a daily udhar bahi khata for every customer. You'll-give / you'll-get balance, running hisab, and settled-up view — just like your paper khata, but faster.

✅ Khata with Interest (Byaj)
Record entries with interest — monthly rate, sekdo, simple or compound byaj. VyajPay calculates the interest automatically and shows exactly what is due today.

✅ Interest Calculator
Free byaj calculator built in: simple interest, compound interest and EMI — check any calculation in seconds before you record an entry.

✅ WhatsApp Reminders
Get a daily WhatsApp due-list — who has to pay, how much, and when. Follow up on time and collect faster.

✅ Digital Locker
Keep agreements, receipts, ID proofs and photos safely attached to each customer's record.

✅ Reports (PDF & Excel)
Customer-wise statements, interest earned, collections and outstanding reports — export and share with one tap.

✅ Safe & Private
App lock, secure cloud backup and multi-device sync. Your khata stays yours — even if you change your phone.

✅ Works Offline
Add entries without internet; everything syncs when you're back online.

🌐 Available in English, हिंदी (Hindi), Hinglish and ગુજરાતી (Gujarati).

Perfect for:
• Kirana stores and shop owners tracking customer udhar
• Small businesses keeping a customer-wise khata book
• Jewellers and girvi (pledge) business record keeping
• Chit fund operators and committee members
• Anyone who keeps a hisab of money given and received

VyajPay is free to start — unlimited entries, unlimited customers. Optional VyajPay Pro subscription (7-day free trial) unlocks premium features and removes ads.

Important: VyajPay is only a bookkeeping and record-keeping app. VyajPay does not provide loans, credit, loan applications, loan matching, payments, banking, underwriting, collection services or financial advice.

Questions or suggestions? Reach us at contact@vyajpay.com — we read everything and reply fast.

Recent changes:
What's new in 1.3.3
• One default interest rate for all loans, in Business settings
• Simple late fees: ₹X when a payment is D days late, again every N days
• Late fees, waivers and write-offs show in payment history and on loan cards
• New Passbook style for loan cards
• Wallet reports can split payments into principal, interest and late fee
• Documents print only your Bill No.
• Video guides: How to use VyajPay, in Help & account
• Fixed a crash on Android 7–12; less background data use