DigiKhata
DigiKhata is a Pakistan-based mobile-first bookkeeping and accounting app serving micro and small businesses with free ledgers, cash and stock books, SMS payment reminders, and integrated airtime, bill payment, and merchant lending services across Android, iOS, and web.
- Company typePrivate
- Founded2020
- HeadquartersFaisalabad, Pakistan
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What DigiKhata does
DigiKhata, operated by Digi Khata (Private) Limited and founded in 2020 by Adnan Aslam (CEO) and Bilal Anjum (COO) in Faisalabad, Pakistan, is a mobile-first bookkeeping and accounting application targeting the country's approximately 2.5 million micro, small, and medium enterprises. The cloud-based platform is available on Android, iOS, web, and Windows, supports six local languages including Urdu, Roman Urdu, Sindhi, and English, and operates offline with automatic backup. Core modules include Party Ledger, Cash Book, Staff Book, Bill Book, and Stock Book; the platform sends free SMS and WhatsApp payment reminders and supports multi-currency and multi-business management from a single account. The company claims 50 Lakh+ (5 million+) users and over $1 billion in recorded transaction volume.
The business model is freemium at the core: the bookkeeping app is provided free to users, with monetization layered onto transaction-based services. Revenue streams include a 1.5% commission on Digi Cash EasyLoad airtime transactions, convenience and service fees, and revenue-sharing on integrated financial services such as Kuunda-powered airtime lending, HBL Microfinance merchant lending, and 1LINK-initiated bill payments. Distribution is multi-channel: self-serve through Google Play, Apple App Store, and the web app, augmented by strategic partnerships with Jazz, Telenor Pakistan (Easypaisa), HBL Microfinance Bank, Kuunda, 1LINK, and Karandaaz Pakistan. The company has offices in Islamabad (headquarters), Faisalabad, Karachi, and Rawalpindi, plus a Singapore-registered entity (Digi Technologies PTE LTD).
DigiKhata raised a $2 million seed round in 2021 led by MSA Capital (China) with Sharooq Partners, SOSV, and Orbit Startups, plus a PKR 10 million (~USD 93,500) grant from Karandaaz Pakistan in the same year. The company has 11-50 employees and is expanding its product surface from a pure ledger tool into a broader SMB financial super-app spanning e-commerce (Digi Dokaan), airtime reselling and lending, bill payments, and merchant credit.
DigiKhata firmographics
Firmographics- Name
- DigiKhata
- Legal name
- Digi Khata (Private) Limited
- Website
- https://digikhata.pk
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- DigiKhata is a Pakistan-based mobile-first bookkeeping and accounting app serving micro and small businesses with free ledgers, cash and stock books, SMS payment reminders, and integrated airtime, bill payment, and merchant lending services across Android, iOS, and web.
- Ownership category
- akta.pro rank
DigiKhata industry classification
Industry- Product category
- Mobile Accounting Software
- NAICS
- Computer Systems Design and Related Services (54151), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199)
- akta.pro primary industry
- Lockbox, Check Scanning & Paper Bill Processing (FSAMAJAK)
Keywords
Where DigiKhata is headquartered
LocationHeadquarters
- HQ city
- Faisalabad
- HQ country
- Pakistan
- HQ region
- Asia
Offices6 records
Markets served
DigiKhata business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Core App Usage: The core bookkeeping and accounting application is provided free to users. Revenue is generated through transaction fees on payment services, convenience fees for certain services, and commission on digital services like airtime sales.
- Digi Cash Commission: Commission earned on Easy Load transactions. 1.5% commission offered on each customer easy load transaction (after tax deduction).
- Service Fees: The company reserves the right to charge convenience fees for services. Any charges levied by DigiKhata for usage are service charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free core application |
| Transaction based/ take rate | Pay-as-you-go | Digi Cash Transaction Commission |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
DigiKhata product offering
Product offeringCore offering
DigiKhata is a free mobile-first bookkeeping and accounting application for micro, small, and medium enterprises (MSMEs) in Pakistan. The core app provides party ledger, cash book, staff book, bill book, and stock book modules for tracking credits, expenses, payroll, invoices, and inventory. Supplementary services include Digi Cash (airtime sales with commission), Digi Dokaan (digital store builder), payment links, 1LINK bill payments, and merchant lending through partner banks.
Product overview
DigiKhata is a unified mobile-first bookkeeping and accounting platform for Pakistani MSMEs, available on Android, iOS, and web. The core product DigiKhata App serves as the central hub offering Party Ledger, Cash Book, Staff Book, Bill Book, and Stock Book modules for managing business finances. The platform integrates supplementary services including Digi Dokaan for online store creation, Digi Cash for eLoad/airtime sales, Payment Links for online collections, 1LINK Bill Initiator for bill payments, and Merchant Lending for SME financing. Users can access multi-business management, multi-language support (English, Urdu, Roman Urdu, Sindhi), multi-currency transactions, automatic cloud backup, and SMS/WhatsApp payment reminders from the unified platform. The ecosystem is designed to replace traditional paper-based khata books with digital ledger management accessible on the go.
Differentiator
Problem solved
Functional benefit
Brands
- Digi Dokaan: Online business platform that helps users create their online store in just 30 seconds.
Products and services
- DigiKhata Core App A free mobile-first bookkeeping and accounting application for Pakistani small businesses, offering party ledger, cash book, staff book, bill book, and stock book modules. Enables merchants to digitally record credits, manage daily transactions, track customer/supplier ledgers, and collect payments 3X faster through automated SMS and WhatsApp reminders.
- Digi Dokaan (Digital Store) An online store builder that allows businesses to launch a digital storefront in 30 seconds and sell products online, enabling MSMEs to expand into e-commerce.
- Digi Cash A digital wallet and eLoad service for airtime retailers that enables users to buy and sell mobile credit (Easyload), manage transactions with a 4-digit PIN, and earn 1.5% commission on customer airtime purchases.
- Airtime Loan Feature An airtime loan feature integrated with Kuunda that allows retailers to borrow airtime when their DigiCash balance is nil or low, enabling continued airtime resale with later repayment at minimal charges.
- 1LINK Bill Initiator A bill payment service integrated into the DigiKhata app that allows SMEs to initiate bill payments, view bills, track deadlines, and make payments through partnership with 1LINK (Pvt) Limited.
- Merchant Lending Digital lending solutions for SMEs and e-commerce sellers offered in partnership with HBL Microfinance Bank, providing quick loan applications, flexible repayment options, and accessible financing for inventory, marketing, and business expansion.
- DigiKhata Web (Desktop) Browser-based version of the DigiKhata accounting application providing full functionality for desktop and laptop users, with data synced across mobile and desktop devices.
Quantifiable outcome
- Users can recover payments 3X faster compared to traditional methods
- +2 more outcomes
Companies that use DigiKhata
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles1 record
DigiKhata technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature13 records
DigiKhata partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and moderate.
- HBL Microfinance BankcoreSigning ceremony on May 24, 2023 marked strategic partnership to provide comprehensive digital lending solutions to SMEs. HBL Microfinance Bank collaboration enables merchant lending for SMEs and e-commerce sellers through DigiKhata's platform.
- 1LINK (Pvt) Limitedmoderate1LINK onboarded DigiKhata as an Initiator on 1BILL Services. This partnership enables SMEs to initiate bill payments directly through the DigiKhata app, simplifying the payment process.
- KuundacoreStrategic partnership to bring financial liquidity solutions for airtime retailers. DigiKhata introduced airtime loan feature where retailers with nil/less balance can borrow airtime to resell Easyload and mobile packages. Kuunda provides e-float financing, airtime advances, and capital facilities.
- Jazz (Pakistan Mobile Communications Ltd)coreJazz collaborated with DigiKhata to promote financial stability in Pakistan. Jazz is helping DigiKhata reach end-users through its existing tools and network.
- Telenor PakistancoreDigiKhata partnered with Telenor Pakistan as part of Telenor Velocity Accelerator's 7th cohort. The partnership allows users to sell Telenor Pakistan recharge through the app.
- Easypaisa (Telenor Microfinance Bank)coreEasypaisa integration enables DigiKhata users to send and collect payments via the app. Users can make varied set of payments directly through the 'Online Payments' option.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
DigiKhata competitors and assessment
Company assessmentDirect peers
- OkCredit: Indian SMB credit ledger and collection app serving small merchants. Closely comparable to DigiKhata in offering (digital udhar/khata), target customer (micro retailers), and GTM (product-led, free).
- Khatabook: India's leading digital ledger app for SMBs and kirana stores. Direct competitor to DigiKhata in product (digital khata), target customer (micro/small merchants), and business model (freemium with financial services monetization).
Emerging players
- Dukaan: Indian platform enabling SMBs to launch online stores (comparable to DigiKhata's Digi Dokaan). Overlaps in target customer (small merchants) and adjacent product (SMB digitization suite).
Regional players
- SadaPay: Pakistan-based digital payments and account fintech. Comparable as a Pakistani fintech serving consumer/SMB payments, though differentiated toward accounts vs. DigiKhata's bookkeeping-led approach.
- NayaPay: Pakistani fintech offering business accounts and payments for SMEs and freelancers. Comparable as a Pakistan-focused SMB financial services player, complementing DigiKhata's merchant ecosystem.
- Jugnu: Pakistani B2B commerce and fintech platform for retailers. Comparable as a tech-enabled SMB platform in Pakistan, though focused on B2B procurement rather than ledger/accounting.
- Finja: Pakistani fintech providing working capital lending and payments to SMBs. Comparable as a Pakistani SMB fintech; overlaps in merchant lending use cases that DigiKhata is building via HBL Microfinance Bank partnership.
Broad incumbents
- Wave Financial: Globally scaled free accounting/ invoicing platform for small businesses. Comparable on product (free SMB bookkeeping/invoicing) and freemium monetization model, though serving more developed SMB markets.
- Tally Solutions: Established accounting and business management software for SMBs, dominant in India. Comparable on SMB accounting/bookkeeping focus, though DigiKhata targets smaller merchants with mobile-first UX.
- Zoho Books: Cloud accounting software from Zoho for SMBs. Comparable on SMB bookkeeping/invoicing feature set, but a global SaaS incumbent vs. DigiKhata's emerging-market freemium play.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
DigiKhata social profiles
Digital presenceDigiKhata financial estimates
Financial estimateRevenue estimate
Valuation estimate
DigiKhata leadership team
Management profileNumber of profiles
Profiles5 records
DigiKhata funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DigiKhata M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DigiKhata
What does DigiKhata do?
DigiKhata is a free mobile-first bookkeeping and accounting application for micro, small, and medium enterprises (MSMEs) in Pakistan. The core app provides party ledger, cash book, staff book, bill book, and stock book modules for tracking credits, expenses, payroll, invoices, and inventory. Supplementary services include Digi Cash (airtime sales with commission), Digi Dokaan (digital store builder), payment links, 1LINK bill payments, and merchant lending through partner banks.
Is DigiKhata a public or private company?
DigiKhata is a private company. It is classified as venture growth investor backed and is currently operating.
When was DigiKhata founded?
DigiKhata was founded in 2020. It employs 11 to 50 people.
Where is DigiKhata based?
DigiKhata is headquartered in Faisalabad, Pakistan, in the Asia region.
How does DigiKhata make money?
Three revenue lines are on record. Core App Usage is the primary driver. The others are digi Cash Commission and service Fees.
Who are DigiKhata's main competitors?
Direct peers on record are OkCredit and Khatabook. Dukaan is listed as an emerging player. Regional players are SadaPay, NayaPay, Jugnu and Finja. Broad incumbents are Wave Financial, Tally Solutions and Zoho Books.
Does DigiKhata have an API?
No public API is recorded for DigiKhata.
What industry is DigiKhata in?
DigiKhata's product category is Mobile Accounting Software. Its primary akta.pro industry code is FSAMAJAK, Lockbox, Check Scanning & Paper Bill Processing. Its NAICS code is 54151 and its SIC code is 7372.