Byaj Book - Interest Ledger

Byaj Book — Aapka Vyapar, Hamara Saath

Manage money you lend and borrow without spreadsheets or notebooks. Byaj Book is an offline-first app built for shopkeepers, money lenders, small businesses, and anyone who tracks udhar, interest (byaj), and repayments every day.

WORKS FULLY OFFLINE
Your data stays on your phone. No internet needed for daily use. Add customers, record loans, receive payments, and check balances anytime. Premium users can optionally back up and sync to the cloud.

TRACK BOTH SIDES
• Given (Lend) — customers you lend money to
• Taken (Borrow) — lenders you owe money to
• Dashboard — total given, total taken, today’s interest earned/payable, net position, and upcoming collections

AUTOMATIC INTEREST
• Monthly and daily interest calculation
• Record payments: interest only, principal only, or both
• Settlement with remaining principal + interest till date
• Capitalize interest and merge loans into one entry

CLEAR RECORDS
• Customer & lender profiles with phone, address, and notes
• Full transaction history for every loan
• Ledger view with search and filters
• Built-in interest calculator for quick estimates

REPORTS & INSIGHTS (Premium)
• Daily, monthly, and yearly reports
• Statistics and period summaries
• Customer PDF reports you can share

STAY ORGANIZED
• Global search across people and transactions
• Collection and payment reminders
• English, Hindi, and Hinglish
• Adjustable text size for easier reading

SECURITY (Premium)
• PIN lock when opening the app
• Hide sensitive amounts on screen

PREMIUM BENEFITS
Free plan includes unlimited customers with ads. Upgrade for ad-free use, unlimited capitalize/merge and PDF downloads, advanced reports, cloud backup, multi-device access, and security features. Refer friends — invite 3 friends who purchase Premium and earn reward months.

SIGN IN WITH MOBILE
Quick OTP login with your phone number. No password to remember.

IMPORTANT
Byaj Book is a record-keeping tool. It is not a bank, lender, NBFC, or financial advisor. You are responsible for your own records and compliance with applicable laws.

Made with care in India.

Download Byaj Book and keep your loan accounts clear, accurate, and always at hand — even without internet.