To micro-finance professionals
Khata
A mobile-first ledger and loan management platform for micro-finance agents. Track loans, EMIs, penalties, and collections accurately even in low-connectivity environments.
Everything you need
Built specifically for the challenges of micro-finance in emerging markets
Loan Tracking
Comprehensive loan management with automated EMI calculations and payment schedules
Offline First
Works seamlessly in low-connectivity areas with automatic sync when online
Penalty Management
Automatic penalty calculations for late payments with customizable rules
Collection Tracking
Real-time collection monitoring with detailed payment history and reminders
Mobile Optimized
Built for field agents with intuitive mobile interface and quick data entry
Secure & Reliable
Bank-grade security with encrypted data and automated backups
Why Khata?
Designed to solve the real challenges micro-finance agents face every day
Stop Losing Track of Payments
Manual ledgers get lost, damaged, or contain errors. Khata keeps every transaction safe, searchable, and accessible from anywhere.
Work Anywhere, Anytime
Internet connectivity shouldn't stop your work. Khata works offline and syncs automatically when you're back online.
Reduce Collection Errors
Automated calculations eliminate manual math errors and ensure penalties and EMIs are always accurate and fair.
Increase Efficiency by 10x
What takes hours with paper ledgers takes minutes with Khata. Spend less time on admin and more time serving customers.
How It Works
Simple, powerful workflow designed for field agents
Add Customers
Quickly onboard borrowers with essential details. Mobile-optimized forms make data entry fast and easy.
Create Loan Agreements
Set loan amounts, interest rates, EMI schedules, and penalty rules. Khata handles all the calculations automatically.
Track Collections
Record payments on the go. The app works offline and syncs when connected, ensuring no data is ever lost.
Generate Reports
Get instant insights into collections, outstanding amounts, and penalties. Make data-driven decisions with real-time dashboards.