Personal loan management software
Sometimes the whole process is one screen: a known borrower, an amount, a rate and a date. Personal Loan books that directly, and still produces the schedule, the ledger entries and the paperwork of a full origination.
What usually gets in the way
- ✕An origination workflow imposed on a five-minute decision
- ✕Charges netted off without the borrower understanding the maths
- ✕EMI schedules recalculated by hand when a date shifts
What Byaj Batta does about it
One-step booking
Customer, scheme, amount, tenure, rate and dates on a single screen, disbursed immediately.
Schedules that follow the dates
Change the disbursement date and the first instalment date moves with it, on the scheme's repayment frequency.
Charges, either way
Processing fee, file and other charges deducted from the disbursement or collected separately with a receipt recorded before disbursal.
Settle an old loan from the new one
A top-up can settle the borrower's existing loans out of the new disbursement, closing them and reducing the cash actually handed over.
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
Can I disburse a personal loan without an application?
Yes. The Personal Loan screen books and disburses in one step, with no application, field investigation or underwriting stage.
Can charges be collected from the borrower instead of deducted?
Yes. Charges can be collected up front, and a receipt is recorded against them before the loan is disbursed.
Can a new loan pay off an old one?
Yes. Existing loans of the same borrower can be settled out of the new disbursement, which closes them and reduces the net amount paid out.