Core features, free
Built for people who lend money,
not bankers.
Six things most khata apps lock behind a paywall. In VyajPay the essentials are free — an optional Pro subscription adds premium extras and removes ads.
∞
Entry 1₹5,000
Entry 2₹12,345
Entry 3₹23,000
Entry 4₹500
Unlimited entries
Track as many customers, loans and EMIs as you want. No row limits — on free and Pro alike.
0
PRO = 0 ADS
Ad-free with Pro
The free app shows a few lightly capped ads to stay free. VyajPay Pro removes every ad — no pop-ups, no banners, no interruptions.
₹0
✓
Entries✓
Reminders✓
Locker✓
Exports✓
Statements✓
PDF/ExcelFree to start
Core khata and loan tracking is free. Optional VyajPay Pro (monthly or yearly in-app subscription, 7-day free trial) unlocks premium features and removes ads.
🔒
📄
412 KB
📄
1.2 MB
📄
86 KB
Digital locker
Upload ID proofs, agreements, receipts. Encrypted, synced to secure cloud, searchable.
💬
Good morning! 3 EMIs due today: Rahul ₹4,200, Priya ₹5,000, Vikram ₹3,200. Total ₹12,400.
Got it — calling Rahul first 👍
✓✓ Delivered · Read 2:14 PM
Daily WhatsApp nudge
Every morning VyajPay WhatsApps you — not your borrowers — with today's due list: names, amounts, totals. You stay in control.
↗
📄
PDF📊
ExcelPDF & Excel exports
One-tap exports of statements, payment history and EMI schedules. Share with your CA.
A tour of the app
Five screens. Zero learning curve.
Tap a tab to preview. Everything you see ships in the app today.
01 / 05
Dashboard
See your total outstanding, active loans and daily focus at a glance — the moment you open the app.
How VyajPay works
Four steps from handshake
to settled in full.
STEP 01
Add a customer
Type a name and number, or import from contacts. No forms, no KYC.
STEP 02
Record the loan
Amount, interest rate, EMI schedule — or keep it as a simple khata entry.
STEP 03
Collect on time
Get a daily WhatsApp from VyajPay with your due list. Follow up and mark payments yourself.
STEP 04
Close the loop
Export statements as PDF or Excel. Keep receipts in your digital locker.
The honest comparison
Why lenders are switching from paper ledgers
— and from other apps.
✓ = included free ·With Pro = part of the optional VyajPay Pro subscription (7-day free trial).See full pricing →
Loved by lenders
5,000+ downloads on Google Play,
rated 4.3 by lenders who use it.
"
Useful app for my business, it helped me to my loans borrower and their interest (byaj) very easily. I have tried multiple apps but no one give this many features in free!
J
Jay Toriya
Google Play review · 18 May 2026
"
I have tried multiple apps for loan tracking and byaj related apps, none of those have this many features. Image scan help me add record soo quickly, highly recommend.
R
Rahul Sharawat
Google Play review · 23 May 2026
"
Very great App. It's really helping me manage my micro lending business which I started over a month now. I have tried and downloaded about 50 apps but almost all were paid.
T
Thomas Boateng Acheampong
Google Play review · 13 May 2026
Frequently asked
Questions, answered.
Is VyajPay free? What does Pro cost?
−
The core app — unlimited entries, khata and loan tracking — is free, supported by a few capped ads. VyajPay Pro is an optional auto-renewing in-app subscription (monthly or yearly, priced in the Play Store / App Store at checkout) with a 7-day free trial. Pro unlocks premium features and removes all ads. Cancel anytime in your store's subscription settings. Prices and plan features may change; see our Terms for details.
How is VyajPay free? What's the catch?
+
Is my data safe?
+
Does it work offline?
+
How do WhatsApp reminders work?
+
What can I actually track inside VyajPay?
+