Kaagaz ki bahi se app tak: purana hisab VyajPay me kaise chadhayein
Seedha jawab: purani bahi ko app me chadhane ka sabse saaf kram yeh hai:
- Har vyakti ko ek baar jodiye.
- Byaj wale udhar ko Loan banaiye, asli shuruaati tareekh ke saath.
- Ab tak mili payments unki asli tareekh se darj kijiye.
- Bina byaj ke udhar ko Khata me daaliye.
- Aakhir me app ka total bahi ke total se milaiye.
VyajPay ke About page par maine likha hai ki maine chhote lenders ko poori bahi kaagaz par sambhaalte dekha hai, aur phir mahine ke aakhir me sab kuch dobara Excel me chadhate. Yeh guide usi dobara likhne ko ek baar ka kaam banane ke baare me hai: kis kram se chadhayein taaki purana hisab app me bhi wahi nikle jo bahi me tha.
Shuru karne se pehle: bahi se ek list banaiye
Seedhe app kholne se pehle har khaate ke liye yeh cheezein ek kaagaz par nikaal lijiye. Isse chadhate waqt baar-baar panne nahi palatne padte.
| Kya likhna hai | Misaal |
|---|---|
| Naam aur mobile | Ramesh bhai, 98xxxxxx10 |
| Rakam aur tareekh | ₹50,000, 10 March 2026 |
| Dar aur cycle | 2% mahina (ya 2% har 10 din) |
| Tareeka | Sirf byaj, mool baad me / fix kisht |
| Ab tak mila | April se September tak har mahine ₹1,000 |
| Byaj advance kata? | Haan / nahi |
Jo khaata chadh jaaye, bahi me uske aage ek chhota tick laga dijiye. Bees-tees khaate hon to yahi tick aapko batayega ki kaun sa baaki hai.
Kaun sa hisab app me kahan jaayega
| Bahi me kya hai | VyajPay me kahan |
|---|---|
| Byaj wala udhar, har mahine byaj, mool aakhir me (mahajani) | Borrowers → Interest-Only loan |
| Fix kisht, byaj poore mool par | Borrowers → Flat loan (kitni kisht, woh bhi) |
| Bank jaisi EMI, byaj ghat-te mool par | Borrowers → Reducing loan |
| Dukaan ka udhar, bina byaj ka lena-dena | Khata → customer → You Gave / You Got |
| Agreement, pronote, cheque, ID ki photo | Us vyakti ka Digital Locker |
Step by step: ek byaj wala khaata
1. Borrower jodiye
Borrowers tab me + dabaiye aur naam daaliye. Mobile number zaroori nahi, par baad me borrower ke saath hisab share karna ho ya reminder bhejna ho to number chahiye.
2. Loan asli tareekh se banaiye
Loan type chuniye (upar wali table dekhiye), rakam, dar aur cycle bhariye, aur shuruaati tareekh wahi rakhiye jis din paisa diya tha, aaj ki nahi. Misaal: Ramesh bhai ko 10 March ko ₹50,000 diye, 2% mahina. Start date 10 March rakhenge to app usi din se mahine ginega, aur har mahine ki 10 tareekh ko byaj due dikhayega.
Agar byaj advance kata tha, to loan phir bhi poori rakam (₹50,000) ka banaiye, aur pehle mahine ka byaj usi din ki payment ke roop me darj kijiye. Iska poora hisab mahine ka byaj kaise ginein me hai.
3. Ab tak ki payments purani tareekh se darj kijiye
Loan kholiye, Record Payment dabaiye, rakam daaliye aur tareekh wahi chuniye jis din paisa mila tha. Ramesh bhai ki misaal me April se September tak chhe payments, har ek ₹1,000 ki, apni-apni tareekh par.
Bahi me sirf kul likha ho ("ab tak ₹6,000 byaj mila"), tab bhi har mahine ki payment alag darj karna behtar hai. Isse app sahi dikhata hai ki kaun sa mahina chuka hai aur kaun sa baaki.
Bina byaj ka udhar: Khata me
Dukaan ka ya ghar ka udhar, jisme byaj nahi lagta, Khata me jaata hai. Customer jodiye aur do me se ek tareeka chuniye:
- Sirf aaj ka baaki: ek hi entry, jaise You Gave ₹4,500, note me "purana baaki, bahi se". Sabse jaldi tareeka.
- Poori purani entries: customer kholiye aur Batch scan se bahi ke panne ki photo lijiye. App ka AI har line ko alag entry banata hai; aap list check karke ek saath save karte hain. AI kabhi-kabhi haath ki likhawat galat padh sakta hai, isliye save karne se pehle har line bahi se milaiye.
Kaagaz bhi saath rakhiye: Digital Locker
Agreement, pronote, cheque ya ID ki photo us vyakti ke Digital Locker me rakhiye. Locker sirf aapka hai: aapke apne phones par dikhta hai, lekin borrower ke saath hisab share karne par bhi uske paas kabhi nahi jaata.
Aakhri kadam: milan (reconcile)
Sab chadh jaane ke baad har loan kholkar do number bahi se milaiye:
- Principal outstanding: kitna mool baaki hai
- Interest collected: ab tak kitna byaj mila
Phir Loans tab ke upar Total Given aur Total Received ko bahi ke kul jod se milaiye. Fark mile to sabse aam wajahein yeh hoti hain:
- Bahi me dar likhi thi, cycle nahi: "2%" mahine ka tha ya 10 din ka?
- Byaj aur mool ki payment ek hi line me likh di gayi thi.
- Byaj advance kata tha, par loan haath me di rakam (jaise ₹49,000) ka likh diya.
- Ek hi vyakti do jagah alag naam se likha tha.
- Bahi ka khud ka jod galat tha. Haan, yeh bhi hota hai.
Borrower ke saath hisab pakka kijiye
Purane hisab par jhagda tab khatam hota hai jab dono ek hi number dekhein. Do tareeke hain:
- PDF bhejiye: Borrower Detail menu → Download PDF Report, phir WhatsApp par share. Report me har loan aur har payment hoti hai.
- Hisab sync kijiye: borrower ke paas bhi VyajPay ho to Sync bhejiye. Woh accept kare to dono ke phone par ek hi ledger dikhta hai, aur aage ki har payment dono ko dikhti hai.
Bahi abhi phenkiye mat
Pehla poora mahina app aur bahi dono me chalaiye. Jab us mahine ki saari payments dono jagah ek jaisi milein, tab bahi ke panno ki photo Digital Locker me rakh kar kaagaz ko aaram de sakte hain. VyajPay internet ke bina bhi chalta hai: entries phone me save hoti hain aur net aate hi cloud me chali jaati hain.
Aksar poochhe jaane wale sawaal
Purani tareekh ka loan app me daal sakte hain?
Haan. Loan ki shuruaati tareekh wahi chuniye jis din paisa diya tha, aur ab tak ki payments bhi unki asli tareekh se darj kijiye.
Bahi ke panne ki photo se entries ban sakti hain?
Khata ke liye haan: Batch scan se ek panne ki photo lijiye, app ka AI har line ko entry banata hai, aur aap check karke save karte hain. Har line bahi se zaroor milaiye.
Internet na ho to app chalega?
Haan. VyajPay offline chalta hai; entries phone me save hoti hain aur internet aate hi cloud me sync ho jaati hain.
Kya borrower ko mera poora hisab dikhega?
Tabhi jab aap Sync bhejein aur woh accept kare; tab us borrower ke loans dono ko dikhte hain. Aapka Digital Locker kabhi share nahi hota.