Screen layout
- Tabs: Lending | Received
- Search and filter bar
- Total outstanding summary card
- Borrower or lender list
- FAB + to add a borrower
Step-by-step
Open the Borrowers tab
From the bottom navigation tap Borrowers. The Lending tab is selected by default.Add a borrower
Tap +. Enter a name (required). Mobile is optional but needed to share the loan with the borrower. Optional fields: note, tags.Search and filter
Use the search bar to find by name or mobile. Filter by active, closed, linked, or pending sync state.Open a borrower
Tap any row to open Borrower Detail. From there you add loans, record payments, and manage sync.Switch to the Received tab
For loans shared with you by other VyajPay users, swipe to the Received tab. You will see pending requests and linked lenders.
Frequently asked questions
Not to create the record. But to share the loan with them so they see it inside VyajPay, the mobile number must be saved and must match their VyajPay phone.
Borrowers is for interest-bearing loans with optional tenure. Khata is for daily informal credit (udhaar). They are separate ledgers with separate balances.
Yes — only if the borrower is not currently synced. If the borrower is synced or a sync request is pending, VyajPay shows: "Cannot delete a synced borrower. Unlink first." Unlink the borrower (after closing loans and clearing the balance), then delete.
Lending = your borrowers (people who owe you). Received = lenders (people who loaned you money and synced the loan into your account). Tap "I Accept & Agree" in Received to accept an incoming loan.
Lending tab: total outstanding receivable. Received tab: total outstanding payable. Both update in real time when payments are recorded.