Overdraft and cash credit management software
An overdraft is not an instalment loan. There is a limit, there are drawdowns, and interest follows the balance actually used — which is exactly what an EMI-shaped system cannot represent.
What usually gets in the way
- ✕Running limits forced into a fixed instalment schedule
- ✕Interest computed on the sanctioned amount rather than the drawn balance
- ✕No view of limit utilisation across borrowers
What Byaj Batta does about it
Sanctioned limit
A facility with a limit, against which the borrower draws and repays freely.
Interest on the used balance
Interest accrues on what is actually outstanding rather than the sanctioned limit.
Drawdowns and repayments
Each drawdown and repayment recorded against the facility, with the running balance maintained.
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
Is overdraft lending supported?
Yes. Overdraft is one of the supported loan products, with a sanctioned limit, drawdowns and repayments against a running balance.
How is interest charged on an overdraft?
On the outstanding drawn balance rather than the sanctioned limit.