Built for Money Lenders & Micro-Financiers

Automate Loan Accounts & EMI Collection on Mobile

No more manual diary calculations for daily loan collection, flat interest, reducing interest, or overdue penalties. Manage all borrower portfolios, track EMI schedules, and collect payments on time with automated reminders.

GET IT ON
Google Play

Download on the
App Store

BROWSER VERSION
Web Portal

High-Security Cloud Vault • Daily/Weekly/Monthly EMI Schedules • Free 7-Day Trial

Diary Lending vs Financer Hub

Manual money lending diaries leak revenue through missed interest and untracked late fees.

Old Paper Loan Diary

Hours spent calculating compound or simple interest on calculator
Borrowers dispute overdue dates, interest amounts, and penalty fees
Daily collection agents can alter or manipulate physical diary pages
Physical theft or loss of diary destroys all loan evidence

Financer Hub by Smart Bahi Khata

Automated interest calculation (Flat, Reducing, Compound, Penalty)
Direct WhatsApp statement sent to borrower on every payment
Real-time collection agent app tracking with instant sync
Encrypted borrower KYC, agreement photos, and guarantor records

Complete Financial Control in Your Pocket

Built to meet the daily operations of Indian financers and credit cooperatives.

Custom Loan Disbursals

Set custom loan amounts, tenure, processing fees, start dates, and interest types (Daily, Monthly, or Yearly interest).

Daily, Weekly & Monthly EMI Cards

Manage daily market collection (Rozana / Daily Kharcha), weekly rounds, or fixed monthly EMI installments effortlessly.

Automated Late Fee / Penalty

System automatically flags overdue EMIs and applies configured penalty or delay charges with zero manual hassle.

Borrower KYC & Guarantor Vault

Store Aadhaar, PAN card, cheques, signed loan agreements, and guarantor contact details securely in the cloud.

Automated Due Reminders

Send automated payment alerts on WhatsApp before and on the due date with remaining loan balance and payment link.

Borrower Passbook & Statement

Generate clean, bank-grade PDF loan statements and digital passbooks that can be shared with clients in one click.

Financer Hub FAQs

Does the app support daily loan collection (Daily Pigmy / Rozana)?

Yes, Financer Hub has built-in support for daily collection schedules, weekly market finance, and standard monthly EMI loan structures.

Can my collection agents collect money on the field?

Yes. You can install Smart Bahi Khata on your collection staff's phones using our multi-device plans. Entries made in the field sync to your admin panel instantly.

Can I track interest separately from principal balance?

Yes. The app automatically calculates and separates principal amounts, accrued interest, penalty charges, and total settled dues.