Bakhi Join early access
The credit book on WhatsApp

Every baaki,
remembered.

Write Kumar 8500 friday on WhatsApp. Bakhi keeps the book, reminds Kumar on Friday with a UPI link, and tells you who actually keeps their word.

No new app to learn. If you can send a WhatsApp, you can use Bakhi.

Bakhiyour credit book
Kumar 8500 friday10:14
✅ Saved: Kumar Tea Stall owes ₹8,500 by Fri 16 Oct10:15
Forwardedbhai tuesday pakka 5000 de dunga10:16
⚠️ Repeat promise (2nd date for this due). Already promised by Fri 16 Oct. Now says Tue 20 Oct.
Change the date? Reply YES or NO.10:17
when will hari pay?10:18
Hari will pay ₹8,000 by Mon 21 Dec. He changed the date once. Nothing overdue yet.10:19
The old way

The notebook remembers the amount. It forgets everything else.

Dues slip through

A page gets full, a name gets smudged, and a ₹2,000 baaki quietly disappears.

Asking feels awkward

Nobody likes calling a regular customer to ask for money. So the reminder never goes.

"Kal pakka" never ends

The same customer promises a new date every week, and there's no record of how many times.

Baaki · October

Selvam Mess7,000
Kumar Tea Stall8,500
Anbu Hardware15,000
Selvam said "next week"… again?
Priya Tailors2,600
? (forgot name)1,200
Ravi paid… how much?
How Bakhi works

Three habits you already have.
Bakhi just remembers them.

Write it like you'd say it

Send Kumar 8500 friday, Ravi paid 2k or Appa new date 31 Dec. English, Hinglish, Tanglish, even words stuck together. Bakhi understands.

Remind without the awkwardness

One tap sends a polite reminder from your own WhatsApp, with the exact amount and a UPI link. Customers pay from the message.

Know who keeps their word

Every promise kept, late or moved is counted. Before you give the next credit, you see their promise score.

The promise score

Credit is trust.
Now you can see it.

Paid on time earns full marks. Every day late and every "next week" lowers it. Recent behaviour counts more than old history, so a customer who improves is rewarded. Scores stay private to your shop.

96
Kumar Tea StallKept 4 of 4 promises on time
Reliable
58
Anbu HardwarePays, usually about 5 days late
Watch
21
Selvam MessChanged the date 6 times
Risky
What's inside

Small enough for a kirana.
Careful enough for your CA.

Forward any message

Got "GPay pannitten 3000" from a customer? Forward it. The AI reads it, finds the customer and asks you to confirm.

Nothing changes without your YES

Every entry the AI suggests is shown back to you first. A misspelt name is flagged, never guessed.

UPI pay link in every reminder

Customers open a page with the exact amount and a QR. Money goes straight to your UPI ID.

Remind everyone due today

Overdue only, or everyone who owes. Bakhi never sends the same customer two reminders in a day.

Your staff, your rules

Add staff numbers. They record credits and payments; only you change settings or delete records.

Bring your Tally debtors

Import Sundry Debtors with balances and mobile numbers straight from Tally. Export everything to Excel any time.

See every feature

Why we built Bakhi

“I’ve seen the same story in shop after shop: good businesses running short of cash, not for lack of sales, but because small dues were never followed up. Bakhi is the follow-up a busy shopkeeper never has time for.”

CA. Vishnuprakash · Chartered Accountant, Founder · UFFF Retail Private Limited

Questions

Things shopkeepers ask us

Do I need to install an app?

No. Bakhi works inside WhatsApp, which you already use. There is also a simple web app for when you want to see everything on one screen; you can add it to your phone's home screen.

Does my customer need anything?

No. Your customer just gets a normal WhatsApp message with the amount and a link to pay by UPI.

Which languages does it understand?

Messages in English, Hinglish and Tanglish work today, including mixed and misspelt text. Questions get answered in the language you ask in.

Can other shops see my customers' scores?

Never. Your book and your customers' promise scores are private to your shop.

What does it cost?

Bakhi is free during early access. See pricing for what's included.

Your next baaki, remembered.

Bakhi is in early access for shops across India. Tell us about your shop and we'll set you up on WhatsApp.

Join early access