Microfinance software for MFIs and NBFC-MFIs
Microfinance is decided in the field, not the branch. The system that matters is the one a field officer can use standing in a centre meeting with poor signal — and that still puts the day's cash into the general ledger correctly by evening.
What usually gets in the way
- ✕Collection sheets printed, filled in by hand and keyed in later
- ✕No way to know what an officer has collected until they return
- ✕Cash-in-hand with officers that nobody can total at any given moment
- ✕Group lending forced into an individual-loan system
What Byaj Batta does about it
Group lending
JLG and SHG groups with members, group loans and member-level loans within a group, and collection taken for a whole group in one sitting.
Any repayment frequency
Daily, weekly, twice-monthly, monthly, quarterly and yearly schedules, on flat or reducing-balance interest.
Field officer app
An Android app for collection sheets, receipts, customer visits and photographs, with the day's route and dues already loaded.
Cash-in-hand control
Every collection adds to the collecting officer's cash-in-hand and every deposit to branch or bank reduces it, so the amount an officer is carrying is a number on a screen rather than an argument.
Collection approvals
A collection taken by a field agent can be held for approval before it posts, so a correction is made before the ledger has to be unwound.
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
Does Byaj Batta support JLG and SHG group lending?
Yes. Groups hold members, loans can be issued to the group or to individual members within it, and repayment can be collected for the entire group in one screen.
Can it handle daily collection?
Yes. Daily, weekly, twice-monthly, monthly, quarterly and yearly repayment frequencies are supported, including daily-collection lending on flat interest.
Is there a mobile app for field officers?
Yes. An Android app gives the field officer their collection sheet, lets them record collections and receipts, and captures visit photographs and location.
How is field cash controlled?
Collections increase the officer's cash-in-hand and handing cash to the branch or banking it decreases it, so the outstanding cash with each officer is always visible.