Borrower detail screen in VyajPay

Borrower Detail is where you see all loans for one person, add new loans, record payments, and manage the sync link with that borrower. It is the loan equivalent of Customer Detail.

Android iOS

Screen layout

  1. Header: borrower name, phone, edit, call/WhatsApp
  2. Sync card with current connection status
  3. Financial overview (total borrowed, paid, outstanding)
  4. Active loans list
  5. Closed loans list (collapsible)
  6. Add Loan button + PDF report shortcut

Before you start

  • Borrower must exist.
  • To share loans with the borrower, save their phone number.
  • Internet is required for sync actions.

Step-by-step

  1. Open a borrower

    From the Borrowers tab, tap a row. Borrower Detail opens with the borrower name, phone, and sync card at the top.

  2. Check the sync card

    The card shows one of four stages: Not connected (button: Sync or Invite), Sync request pending (button: Cancel), Synced Ledger (display only), or Unlink request pending.

  3. Add a loan

    Tap the Add Loan button. Choose Interest Only or Standard EMIs. For Standard, choose Flat or Reducing inside the advanced section.

  4. Record a payment

    Tap any active loan card to open Loan Detail. Tap Add Payment. Enter amount, mode (Cash / UPI / Bank), date, and optional note.

  5. Close or reopen a loan

    In Loan Detail, use Close Loan to mark it done. Closed loans are grayed in the list. Use Reopen Loan to bring it back if needed.

Frequently asked questions

Yes. A borrower can have any number of active or closed loans. Each is its own card on Borrower Detail. The ledger sums totals across all loans.
Unlink breaks the sync with the borrower. VyajPay blocks unlink while any loan is active or any balance is owed. Typical messages: "Ledger cannot be unlinked while active loans exist…" or "…outstanding balance of {amount}…"
No. VyajPay shows: "Mobile number cannot be changed for synced borrowers." Unlink first if a change is needed.
Payment history stays untouched. Reopening simply marks the loan active again, and outstanding is recalculated from the existing payments and the original schedule.
Once the ledger is synced, your payments and the borrower’s payments update on both devices in real time. Both sides see the same balance within seconds.

Related guides

Loans overview

Flat vs Reducing vs Interest-Only.

Borrower ledger

Totals + payment history.

Share with borrower

Send the loan to the borrower’s VyajPay.