SACCO management software
A savings and credit co-operative runs on member savings funding member loans. The software has to hold both sides honestly, in the co-operative's own currency, and show the board where the money is.
What usually gets in the way
- ✕Savings and loan ledgers that do not reconcile to each other
- ✕Manual interest calculation on member savings
- ✕No audit trail on who approved a loan or a withdrawal
- ✕Systems priced and built only for one country
What Byaj Batta does about it
Member savings and shares
Savings accounts, term deposits and share capital per member, with nominee details and statements.
Loan origination and servicing
Application, approval, disbursement and repayment schedules on flat or reducing-balance interest, at any repayment frequency.
Multi-currency
The currency and its symbol are set per organisation, so figures, statements and documents read correctly wherever the SACCO operates.
Field and branch collection
Collection sheets, a mobile app for officers, and cash-in-hand tracking per officer and per branch.
Governance
Maker-checker approval on disbursals, collections and withdrawals, with every decision recorded against the user who made it.
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 work outside India?
Yes. Currency, date format and organisation details are configurable, and the lending, savings and accounting features are not India-specific. Some compliance modules, such as Nidhi rules, are.
Can members save and borrow on the same record?
Yes. A member's savings, deposits, shares and loans are all visible on their record.
Is there approval control on disbursement?
Yes. Disbursal can require a maker and a separate checker, and the approval is recorded with the user and timestamp.