Deposit management software — FD, RD and savings
Taking deposits raises the bar. Someone else's money is on the books, interest has to be right, maturity has to be honoured on the day, and every withdrawal has to be authorised by someone other than whoever asked for it.
What usually gets in the way
- ✕Interest and maturity computed in a spreadsheet per account
- ✕RD instalments collected daily with no systematic follow-up
- ✕Withdrawals paid out on one person's instruction
- ✕Deposits sitting outside the general ledger entirely
What Byaj Batta does about it
FD, RD and savings
Fixed deposits, recurring deposits and savings accounts, each on a scheme that sets the rate, interest method, compounding and penalty rules.
Interest and maturity
Maturity value computed when the account opens and revised on a top-up, with interest earned computed from each deposit's own value date rather than a shortcut that under-credits an early payer.
Auto-debit
UPI AutoPay and e-NACH mandates so RD instalments are collected automatically, with each debit reconciled back to the account.
Withdrawal approval
Every withdrawal is recorded as a request and the balance moves only on approval.
Bonds and passbooks
Printable FD receipts and RD bonds on your letterhead, and a full transaction ledger per account.
In the ledger
Deposits, withdrawals, interest payouts and penalties each post a balanced journal entry, so the deposit book and the accounts agree.
Built AI-native, not AI-bolted-on
Tezu, the built-in AI agent, answers questions about your own book in plain language, and AI import reads whatever spreadsheet you already keep — mapping arbitrary column headings onto customers, loans and deposits — so moving in does not mean retyping years of records.
See how the AI works →Frequently asked
Which deposit types are supported?
Fixed deposits, recurring deposits and savings accounts, each governed by a deposit scheme.
Can RD instalments be collected automatically?
Yes. UPI AutoPay and e-NACH mandates can be set up per account, and due instalments are debited automatically and reconciled back.
Are deposit withdrawals controlled?
Yes. A withdrawal is captured as a request and the balance is debited only once approved.
Do deposits appear in the accounts?
Yes. Every deposit movement posts a double entry — cash or bank against the member deposit liability — so the ledger and the deposit book agree.