Co-operative credit society software
A credit society is a deposit book and a loan book held together by a member register. Keeping those three in separate places is where the reconciliation problem starts. Byaj Batta keeps them in one, so a member's shares, deposits and borrowings sit on one screen.
What usually gets in the way
- ✕Member passbooks maintained separately from the loan ledger
- ✕Daily deposit collection recorded on paper by agents
- ✕Interest on deposits calculated manually at maturity
- ✕No consolidated view of what a member holds and owes
What Byaj Batta does about it
Member register and shares
Members with folios, share capital, nominee details and status, and share allotment and transfer with certificates.
Savings, FD and RD
Savings accounts, fixed deposits and recurring deposits with interest computed on the scheme's method and frequency, maturity tracking and printable bonds and receipts.
Daily deposit collection
Agent-wise deposit collection sheets for daily and weekly RD collection, with the same cash-in-hand control as loan collection.
Member lending
Loans to members against any of the supported products, with the member's deposits and shares visible while sanctioning.
Withdrawal control
Every deposit withdrawal routes through an approval queue before the balance moves, so cash does not leave on one person's say-so.
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 a co-operative credit society manage both deposits and loans here?
Yes. Savings, fixed and recurring deposits sit alongside member lending on the same member record and the same general ledger.
Does it handle daily RD collection by agents?
Yes. Deposit collection sheets are generated per agent, and collections update the agent's cash-in-hand.
Is interest on deposits calculated automatically?
Yes. Interest follows the deposit scheme — rate, method and compounding frequency — and the maturity amount is computed when the account is opened and revised if the deposit is topped up.
Are withdrawals controlled?
Yes. A withdrawal is recorded as a request and the balance is debited only once it is approved.