Type your schemes once: flat, reducing EMI or interest only, daily, weekly or monthly, your own rate, fee and late fee. Then type each loan and each payment, and let the instalment, total payable, due dates, balance, overdue days, today's collection list, receipts and reminders fill themselves, without paid software.
Buy Now (โน149)One-Time Payment | Lifetime Access | Instant Download
One connected workflow: type your schemes, agents and borrowers once, everything else reads them.
Flat, EMI or interest only.
Route, guarantor, documents Yes / No.
Instalment and due dates by formula.
Agreement summary and schedule on A4.
Every payment, receipt no.
Due today and overdue, by route.
1-7, 8-30, 31-60, 60+ days.
Receipt, reminder, no-dues letter.
Gave and received by party.
Add-onWeight to max loan.
Add-onViews that fill themselves from your own loans and payments.
Few sheets, all connected: schemes, agents, routes and borrowers are typed once on Home & Setup and every tab reads them.
These are the real sheets inside the toolkit, with sample numbers you replace with your own.
Six add-on kits on the checkout, or all 6 for โน299. Type your own schemes and rates once: 15 schemes, 300 borrowers, 520 loans and 1,500 ready rows for collections.

Udhaar Khata & Party Ledger Kit๐ ViewEvery party you give goods or money on udhaar: gave and received, balance, days outstanding, credit limit, who to follow up today and an A4 statement.

EMI & Repayment Schedule Kit๐ ViewFlat, reducing EMI and interest-only side by side with the effective rate, a schedule of up to 120 instalments, prepayment and foreclosure.

Daily & Weekly Collection Kit๐ ViewAgents on routes, a daily collection sheet with missed-visit reasons, agent cash handover with short or excess, and a route board.

Gold Loan (Girvi) Kit๐ ViewGross and stone weight, karat, pure gold, value at your rate, max loan by LTV, interest to date, release and notice due, A4 pledge receipt.

Interest Calculator Kit๐ ViewInterest by days or by months, rupees per hundred to % a month and a year, compound interest, days between dates, flat to reducing rate.

Borrower KYC & Cheque Kit๐ ViewDocuments received (Yes / No only), guarantors, a PDC cheque register with bounces, and a Low / Medium / High risk flag by your own limits.



Personal and business loans to shopkeepers.
Rehdi, vegetable sellers, small shops.
Goods on udhaar to parties.
Girvi with weight, purity and release.
EMIs, cheques and overdue.
Monthly interest loans with receipts.
Cases, schedules and follow-ups.
Route-wise daily lists.
โ๏ธ Every sheet is ready for your own business. Type your own schemes and rates once: 15 schemes, 300 borrowers, 520 loans and 1,500 ready rows for collections.
Right after payment. The download link comes on your email and also shows on the thank you page.
It is a set of Excel workbooks. Open them in Microsoft Excel, or upload to Google Sheets and use them on your mobile.
No. Type your schemes in the yellow cells once. Then type each loan and each payment; the instalments, balances, overdue and lists update by themselves.
Flat interest (common in daily and weekly finance), reducing balance EMI, and monthly interest only with the principal at the end, each daily, weekly or monthly. You type your own rate, fee, late fee and grace days.
Instalments due before the date you choose, minus the instalments the payments cover. The days overdue count from the oldest unpaid instalment, so every loan falls in 1-7, 8-30, 31-60 or 60+ days.
No. Every rate, fee and late fee is your own input. The toolkit only keeps the records and does the arithmetic. Follow your state's money-lending law and RBI rules.
No full ID numbers. Documents are marked Yes or No, with at most the last 4 digits if you want.
Six optional kits (udhaar khata, EMI and repayment schedule, daily and weekly collection, gold loan, interest calculator, borrower KYC and cheques) offered on the checkout page. Take any of them, or all six for โน299.
Write to products.avsvishal@gmail.com. We reply the same day.