Lend smarter, track everything
Plain-English guides for anyone who lends money personally — keep your khata, byaj and udhaar straight, and understand the numbers behind your loans.
Khata, byaj & udhaar — your lending book, digitised
What these terms mean, why a digital book beats a paper bahi-khata, and how LendBook keeps your lending and interest organised.
How-toHow to keep track of money you've lent
A simple, reliable system for recording loans to family, friends and customers — and never losing track of who owes what.
Interest 101Flat vs reducing-balance interest (with examples)
The difference between flat and reducing interest, why the same rate can mean very different money, and how to compute each.
CalculationHow to calculate loan interest — EMI & byaj
Formulas and worked examples for flat interest, monthly byaj, and reducing-balance EMI — and how to stop doing it by hand.
AgreementsLoan agreement format: what to include
A clear checklist (with example wording) for a simple loan agreement — parties, amount, interest, repayment, signatures and stamp paper.
Collection lendingDaily & weekly collection lending
How daily finance / pigmy collection works, the fixed-total model with an example, and how to track dozens of small collections.
Year-endYear-end & ITR: lending income in order
Interest earned, outstanding balances and clean statements for the financial year — without the year-end scramble.
Trust & safetyIs LendBook a loan app?
No — it doesn't lend money, move funds or access your contacts. Exactly what LendBook does and doesn't do, and how your data stays private.