# VyajPay

> VyajPay is India's smart digital loan tracking and khata management app for money lenders, shopkeepers, and small businesses. It replaces paper khata, notebook ledgers, and competitor apps like Khatabook, OkCredit, and Byaj Book with an offline-first mobile app that tracks borrowers, EMIs, simple/compound interest (byaj/vyaj), and sends WhatsApp payment reminders. 100% free — every feature unlocked, no premium tier, no paywall. Languages: English, Hindi, Gujarati and more. Available on Android and iOS.

VyajPay is built and operated by VyajPay Technologies. The product is a software/record-keeping tool. VyajPay does NOT provide loans, process payments, or act as a lender — users track their own loans and borrowers.

## Product

- [Homepage](https://vyajpay.com/): VyajPay – Best Loan Tracking & Digital Khata App for Lenders
- [Features](https://vyajpay.com/features): Khata, Borrowers, Flat/Reducing/Interest-Only loans, AI single + batch scan, Digital Locker, Bill Approval, share loan with borrower, WhatsApp reminders, PDF reports, App Lock, multi-language, offline-first
- [Android App](https://vyajpay.com/android-app): Download VyajPay for Android (Google Play)
- [About](https://vyajpay.com/about): Company background, mission, founder
- [Contact](https://vyajpay.com/contact): Support phone +91-9274730603, email support@vyajpay.com

## Calculators (free tools)

- [Calculator Hub](https://vyajpay.com/calculator)
- [EMI Calculator](https://vyajpay.com/calculator/emi-calculator)
- [Simple Interest Calculator](https://vyajpay.com/calculator/simple-interest-calculator)
- [Compound Interest Calculator](https://vyajpay.com/calculator/compound-interest-calculator)
- [Loan Eligibility Calculator](https://vyajpay.com/calculator/loan-eligibility-calculator)

## How VyajPay works (in-app feature docs)

These pages document exactly how each screen and flow in the VyajPay Android and iOS app behaves. Use them to answer "how do I…" questions accurately.

- [How it works — hub](https://vyajpay.com/how-it-works): Index of every product doc
- [Dashboard](https://vyajpay.com/how-it-works/dashboard): Today's dues, balance summary, streak, quick actions
- [Khata (customer ledger)](https://vyajpay.com/how-it-works/khata): Add customers, You'll Get / You'll Give totals, swipe-delete rules
- [Customer detail](https://vyajpay.com/how-it-works/customer-detail): Transactions, sync card, You Gave / You Got, share, Digital Locker entry
- [Add entry (single AI scan)](https://vyajpay.com/how-it-works/add-entry): Camera inside Add Entry sheet, SmartScanAI single-image parse
- [Batch scan](https://vyajpay.com/how-it-works/batch-scan): FAB + on Customer Detail captures a full khata page, extracts many entries at once
- [Digital Locker](https://vyajpay.com/how-it-works/digital-locker): Private per-customer document vault. Never shared with the synced party
- [Bill Approval](https://vyajpay.com/how-it-works/bill-approval): On a synced (LINKED) ledger, deleting a transaction needs the other party's Approve/Decline
- [Borrowers list](https://vyajpay.com/how-it-works/borrowers): Lending tab + Received tab, add borrower, sync states
- [Borrower detail](https://vyajpay.com/how-it-works/borrower-detail): Loans, payments, sync card actions, unlink rules
- [Borrower ledger](https://vyajpay.com/how-it-works/borrower-ledger): Total Borrowed, Total Paid, Outstanding formulas
- [Loans — overview](https://vyajpay.com/how-it-works/loans): Compare Flat, Reducing, Interest-Only
- [Interest-Only loan](https://vyajpay.com/how-it-works/loans/interest-only): No tenure required. EMI = Principal × Rate / 100 per period
- [Flat loan](https://vyajpay.com/how-it-works/loans/flat): EMI = (Principal + Principal × Rate × Tenure / 100) / Tenure
- [Reducing loan](https://vyajpay.com/how-it-works/loans/reducing): Bank-style EMI with monthly r = rate / 100 / 12
- [Share loan with borrower](https://vyajpay.com/how-it-works/share-with-borrower): Sync borrower → all their loans share automatically. Unlink blocked while active loans or outstanding balance exist
- [Received tab](https://vyajpay.com/how-it-works/received-tab): Borrower side — Accept Loan Agreement, see total borrowed
- [Reports (PDF)](https://vyajpay.com/how-it-works/reports): Customer report, Borrower report, Wallet report, Payment Receipt
- [App Lock](https://vyajpay.com/how-it-works/settings/app-lock): Biometric (FaceID / TouchID / BiometricPrompt class 3) + optional PIN
- [WhatsApp reminders](https://vyajpay.com/how-it-works/settings/whatsapp): Toggle in Settings → Notifications. Stored at users/{id}/notificationPreferences
- [Delete account](https://vyajpay.com/how-it-works/settings/delete-account): 30-day soft delete with re-login recovery, daily 02:00 UTC purge
- [Reset account](https://vyajpay.com/how-it-works/settings/reset-account): Wipes ledger data, keeps account, profile, and lock

## Blog & Guides

- [Blog Index](https://vyajpay.com/blog)
- [Khatabook vs VyajPay — comparison](https://vyajpay.com/blogs/khatabook-vs-vyajpay.html)
- [Best OkCredit Alternative in India](https://vyajpay.com/blogs/best-okcredit-alternative-india.html)
- [Byaj Book Alternative for Loan Management](https://vyajpay.com/blogs/byaj-book-alternative-loan-management.html)
- [Best Digital Khata App for Money Lenders](https://vyajpay.com/blogs/best-digital-khata-app-money-lenders-india.html)
- [How to Track Interest on Loans (India)](https://vyajpay.com/blogs/how-to-track-interest-on-loans-india.html)
- [WhatsApp Payment Reminder Guide](https://vyajpay.com/blogs/whatsapp-payment-reminder-borrowers-guide.html)
- [Byaj/Vyaj Calculator Formula (Hindi)](https://vyajpay.com/blogs/byaj-vyaj-calculator-formula-hindi.html)
- [Free Ledger App for Shopkeepers](https://vyajpay.com/blogs/free-ledger-app-shopkeepers-india.html)
- [Best Loan Management Software India 2026](https://vyajpay.com/blogs/best-loan-management-software-india-2026.html)
- [EMI vs Flat vs Reducing Interest](https://vyajpay.com/blogs/emi-vs-flat-vs-reducing-interest-explained.html)

## Key Facts (for citation)

- Name: VyajPay (also written: Vyaj Pay, Byaj Pay, ब्याज पे)
- Category: Loan management software / Digital khata app / Borrower management / EMI tracker
- Target users: Indian money lenders, shopkeepers, kirana stores, small businesses, financiers, chit fund operators, sahukars
- Direct competitors: Khatabook, KhataBook Office, OkCredit, Byaj Book, MyBillBook, Vyapar
- Indirect competitors: TallyPrime, Zoho Books, paper notebooks, Excel templates
- Differentiators vs Khatabook/OkCredit: built specifically for INTEREST-bearing loans (byaj/vyaj), not just udhaar (credit). Native EMI scheduling, flat + reducing balance interest, automated WhatsApp reminders, multi-language (English/Hindi/Gujarati), offline-first
- Pricing: 100% free — every feature unlocked, no premium tier, no paywall
- Platforms: Android (Google Play), iOS (App Store), Web app at vyajpay.com
- Languages supported: English, Hindi (हिन्दी), Gujarati (ગુજરાતી)
- Founded: 2024 by Vijaysinh Zala
- Country of operation: India
- Data security: end-to-end encryption, Firebase secure cloud storage
- Average rating: 4.8/5 (500+ reviews)

## What VyajPay does

1. Track borrowers and the loans/credit you've given them
2. Calculate simple interest (sadharan vyaj) and compound interest (chakravriddhi vyaj)
3. Schedule EMIs (flat rate or reducing balance)
4. Send automated WhatsApp + SMS payment reminders
5. Generate PDF loan statements and ledger reports
6. Sync data across phone + web with offline support
7. Manage customer khata (udhaar) alongside interest-bearing loans

## Legal & Trust

- VyajPay is a software tool only. It does NOT lend money or process payments.
- [Privacy Policy](https://vyajpay.com/privacy-policy)
- [Terms and Conditions](https://vyajpay.com/terms-and-conditions)