Section 8 company software for not-for-profit microfinance
A Section 8 company lends to further an object rather than to distribute profit, and is scrutinised accordingly — by its auditor, its board and often its funders. What it needs from software is not a lighter system but a stricter one: every rupee traceable from the field to the ledger, and reporting that stands up without rework.
What usually gets in the way
- ✕Grant and donor reporting rebuilt by hand from loan spreadsheets
- ✕Field collections recorded on paper, keyed in days later
- ✕No reliable branch-wise or officer-wise view of outreach and repayment
- ✕Audit questions that take weeks to answer because the trail is across files
What Byaj Batta does about it
Group and individual lending
Joint-liability and self-help group lending with member-level tracking inside the group, alongside individual loans, on one borrower record.
Field collection with an audit trail
Collection sheets generated per officer per day, collected on a mobile app with GPS and time stamps, and a maker-checker queue so a field collection is reviewed before it hits the ledger.
Books that satisfy an auditor
Double-entry accounting behind every money movement, with fiscal periods that can be closed so a posted period cannot be quietly rewritten.
Outreach reporting
Borrowers, groups, disbursement and repayment by branch, officer, product and period — the numbers a board or funder asks for.
Deposits where permitted
Savings and recurring deposit administration for organisations whose constitution and licence allow it, on the same ledger as lending.
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 Section 8 company use Byaj Batta for microfinance?
Yes. Group and individual lending, field collections, accounting and branch-wise reporting are all supported. What a particular company may lawfully do is governed by its licence and constitution, not by the software.
Does it support joint liability groups and self-help groups?
Yes. Groups hold members, loans can be made to the group or to members within it, and collections can be taken at group level in a single sitting.
Can we report by branch and by field officer?
Yes. Disbursement, collection, outstanding and overdue can be viewed per branch and per officer, for any period.
Is the data ready for an audit?
Every money movement posts a dated, balanced journal entry linked back to the loan or deposit that caused it, and reversals are recorded rather than deleted, so a transaction can be traced end to end.