Automate credit review for lenders.
Khata combines borrower evaluation, repayment ledgers, field collection agents, and customer payment interfaces into one operating system for lenders serving cash-heavy markets.
AI review
Score, flag, explain
Ledger
Loans, EMIs, penalties
Collections
Agents and borrowers
Credit command center
Branch: Hyderabad Central
Application LX-2841
Amina Khatun
Inventory loan · 42,000 INR · 9 month term
Review score
82 / 100
Risk band
Low-medium
AI notes
5 checks
Next action
Call due
Approve with smaller first cycle and weekly repayment reminders. Assign field visit before disbursement.
Platform
The lender stack, rebuilt around review and repayment.
Small lending teams should not stitch together paper ledgers, spreadsheets, call logs, and disconnected borrower apps. Khata gives every role a shared source of truth.
AI credit review
Turn field data, borrower history, repayment signals, and documents into risk bands, reasons, and next-best actions.
Loan ledger
Track disbursements, EMIs, arrears, penalties, reschedules, and branch balances from one audit-ready ledger.
Agent collection platform
Assign visits, capture cash or mobile money collections, route follow-ups, and sync work from low-connectivity areas.
Borrower interface
Give customers a clear place to see due dates, payment receipts, reminders, and notifications in local workflows.
Notification engine
Coordinate SMS, WhatsApp, calls, and app notifications around repayment schedules and collection promises.
Policy controls
Encode branch rules, approval limits, document requirements, and exception workflows without slowing teams down.
Why now
Lenders need automation that understands local repayment realities.
Khata is designed for teams that still rely on agents, cash movement, flexible repayment schedules, and high-touch borrower relationships.
Credit decisions are inconsistent
Branch teams collect valuable context, but approvals often depend on incomplete notes, manual judgment, or delayed document checks.
Khata
AI review packets with policy checks, risk reasons, and exception flags.
Repayment truth lives in too many places
Paper books, cash receipts, spreadsheet updates, and agent memory make it hard to know what is due, collected, overdue, or disputed.
Khata
One ledger for loans, collections, penalties, receipts, and customer balances.
Field collections are hard to manage
Managers need to know who visited whom, what promise was made, which customers need escalation, and where agents are blocked.
Khata
Agent queues, visit notes, promise tracking, and low-connectivity sync.
Borrowers lack clear payment visibility
Customers miss payments when due dates, receipts, penalties, and support channels are fragmented across calls and paper slips.
Khata
Customer-side payment tracking, receipts, reminders, and notifications.
Workflow
From first application to final repayment.
The product is built as connected AI components, so lenders can start with credit review and expand into ledger, collections, and borrower communication.
Capture borrower context
Agents collect identity, business, household, repayment, and document signals on mobile forms that work in branch or field.
Run AI credit review
Khata checks lender policy, detects inconsistencies, scores affordability, and produces explainable review packets.
Disburse into the ledger
Approved loans create repayment schedules, receipts, penalties, and branch-level exposure records automatically.
Coordinate collection work
Managers assign agent queues, trigger reminders, track promises, and escalate missed payments before they compound.
Keep borrowers informed
Customers can see balances, due dates, receipts, and payment notifications from a dedicated customer-side interface.