Fund Local Businesses
Earn up to 18% Returns

Grow your wealth, empower your community.

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Adarsh Nitish Deepak
Trusted by 100+ investors
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₹2+ Crore
Invested in Local Businesses

How we get credible busineses..

We run digital solution for MSME's for managing payables/receivables across the country.
We have a field team who are responsible for verifying the businesses and ensuring that they are credible.
Khata Web App Download Android App

NBFC Partners

Our partners to facilitate credit for MSME's and Startups.

NBFC Partner 1

What Our Investors Say

Real stories from people growing their wealth with Bahi Khata

❝ Bahi Khata has been a standout addition to my investment portfolio. While I continue to invest in traditional assets like bonds and equities, their platform has offered consistent returns and reliable repayments over the past year—something rare in the alternative space. I’m genuinely upbeat about the potential of SME lending to deliver strong, stable returns in the years ahead.

Investor 2
Adarsh Behera
Retail Investor, Bhubaneswar

❝ I have been investing with Bahi Khata for over 1.3 years now, and the experience has been truly reassuring. Every EMI has come in on time, and my principal has remained 100% secure so far. What stands out is the strong credit discipline and transparent approach they follow, even while operating in grassroots lending. As someone from the corporate world, it’s refreshing to see such reliability and innovation in an alternate investment platform.

Investor 2
Nitish Verma
GM - Chiripal Poly Films Limited

Frequently Asked Questions

Simplifying your Wealth Building Journey

Bahi Khata is a Digital platform that connects Small Businesses/Startups and Retail/Institutional Investors.

  • Businesses/Startups : Our Tools + Content helps them manage their Udhaari (Payables/Receivables) & Daily Cashflows.
  • Investors : Our Wealth App helps Investors invest & grow their capital while managing various kinds of risks.

Our digital tools and youtube content are used by 50,000+ MSME's across India for managing their Udhaari (Payables/Receivables). These businesses use our platform to manage their daily operations & cashflows. Many of these businesses require working capital loans for growth which we package and offer to our Investor community facilitated by partner NBFC's.

A Dedicated Operations team which physically verifies these businesses and ensure their credibility through rigorous checks. Also financial health of these businesses is continously monitored via Credit Bureaus & various Transaction history.

NO, Investors should be aware that any defaults by borrowers are to be borne by Investors not by P2P-NBFC or Bahi Khata Platform.
It's not an Fixed Deposit product offering guaranteed returns.

We take multiple steps to ensure the safety of your investment:
  • Borrowers are sourced with strong credit profiles (CIBIL 700+)
  • Stringent credit assessment using Bank Statements, GST, ITR, and informal data sources
  • Borrower life insurance to mitigate death-related risks
  • Legal action initiated in case of defaults or non-repayment
  • On-ground verification and business visits to validate authenticity
  • Use of alternative data for deeper risk analysis

Any Indian Citizen looking to grow their wealth by investing in credible Local Businesses is welcome. One can invest upto Rs. 50,000 in a business & maximum Rs. 50 lakhs in total across all platforms if invested in P2P Product.

Overseas Investors aren't allowed to Invest currently in P2P Lending currently on our platform.

Strictly Prohibited: As per RBI Guidelines, All investor funds & borrower repayments are routed only through ICICI Bank Escrow accounts, ensuring full compliance and safety.

An escrow account is a bank-monitored account where funds are held and released only for authorized transactions between investors and borrowers — preventing any misuse or direct access by either party.

One can signup on our platform and start exploring our tools and investment opportunities.

RBI Mandated KYC (Pan, Adhaar) & Bank Verification process is required to be completed before making any investments.