LendKhataYour lending business, in your own branded app.
LendKhata is loan management and bookkeeping software, not a lender. It gives lenders a Lender app, a Borrower app and an admin portal, all under your logo. Record KYC details, flexible interest, EMI schedules, automatic penalties, witnesses, on-screen signatures and reminders without spreadsheets or missed payments.
- Android app
- Data isolated per lender
- INR-first
EMI due in 3 days
₹4,250 · reminder sent
Features
Everything a lending business runs on
From the first KYC to the last EMI, so neither the lender nor the borrower ever misses a payment.
Borrower KYC
PAN, Aadhaar (encrypted), family details, photo, with email and mobile OTP verification.
Flexible interest
Flat or reducing balance. Split one principal into parts at different rates, e.g. ₹20k at 0% + ₹30k at 3%.
Auto EMI schedules
Repayment schedules generated instantly for monthly repayments.
Grace & auto penalties
After the grace period, penalties are added automatically each month and tracked separately so they can be cleared or waived.
Payments with proof
Record cash, UPI or bank transfers and attach screenshots or PDFs with UTR and transaction ID.
Witnesses & on-screen signatures
Save witnesses per borrower, reuse them on later loans and collect signatures with dates on screen.
Agreements & documents
Upload signed loan agreements and disbursement proof, stored privately.
Complete ledger
Every disbursement, EMI, penalty and waiver in a single history for each loan.
Live dashboards
Outstanding, interest earned, overdue, penalties due and upcoming dues at a glance.
Reminders both sides
Email and in-app alerts 3 days before each due date, plus penalty and missed-collection alerts.
Borrower app
Borrowers see their loans, schedule, payments and documents. Read-only and transparent.
Super admin portal
Onboard lenders, manage branding and business details, and release their apps.
How it works
Live in four simple steps
- 1
Get onboarded
We set up your business, logo and brand colour in the admin portal.
- 2
Install your app
Your branded Lender app is built for Android, and borrowers get their own Android app.
- 3
Register borrowers
Record KYC details, a photo and witnesses, and verify email and mobile.
- 4
Lend & collect
Create loans, collect signatures and record payments. LendKhata handles the reminders and penalties.
Your brand, not ours
Each lender gets apps with their own name, logo and colour. Borrowers only ever see your business, which builds the trust that brings in repeat loans.
Security
Security built in, on Supabase
Isolated tenant data
Row-level security makes sure each lender sees only their own borrowers and loans.
Encrypted sensitive fields
Aadhaar numbers are encrypted at rest, and photos and documents sit in private storage.
Secure sign-in
Every account uses a forced password change on first login and OTP-verified contacts.
Audit-ready ledger
Every payment, penalty and waiver is recorded with a timestamp in the loan history.
FAQ
Questions, answered
Independent lenders and small finance businesses in India that want to keep their loan records in their own branded app.
Request a demo
See LendKhata with your own branding
Tell us about your lending business and we'll set up a live demo with your logo and colours.