Khata

What Khata does

Khata is a mobile-first digital ledger platform operated by ENSOWT, a private India-based company headquartered in Noida, that digitizes the traditional Bahi Khata (credit notebook) system historically used by small retailers and shopkeepers across India. The product is distributed exclusively through the Google Play Store as two Android applications: Khata Business App, which allows merchants to record credit/debit transactions, manage customer accounts, send SMS notifications, upload bill images, and generate reports; and Khata Home App, a free companion application that lets consumers view their credit/debit history with local shopkeepers. Underlying technology consists of a cloud-based transaction management platform with Android mobile clients, cloud backup and synchronization, optional Google Drive integration for user-controlled encrypted local storage, SMS and push notification delivery, and multi-language support for English, Hindi, and Gujarati. Advanced analytics features include forecasting and what-if analysis on transaction history.

The business operates on a prepaid, non-refundable freemium subscription model with four primary tiers — Free, Super at INR 100/month, Royal at INR 250/month, and Crown at INR 500/month — alongside promotional SKUs (Quick, Mega, Imperial) that unlock additional SMS credits, customer limits, bill uploads, and multi-user access. Go-to-market is product-led growth via self-serve app store distribution, supported by a corporate website (easykhata.in) and an educational blog (blogs.easykhata.in). The company claims customers in over 100 Indian cities and reports an employee count of 11–50, with no disclosed external funding, executive team, customers above the SMB level, partnerships, regulatory actions, or financial reporting. Khata targets the long tail of the Indian informal economy — shopkeepers, retailers, wholesalers, vendors, medicine shops, and hardware stores — where digitizing credit relationships is positioned to reduce disputes and calculation errors inherent to manual ledger keeping.

Name

Khata

Legal name

ENSOWT

Website

https://easykhata.in

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Khata is an India-based mobile digital ledger platform that digitizes the traditional Bahi Khata credit system for small retailers, shopkeepers, and their customers via two-sided Android apps on a freemium subscription model priced from INR 100 to INR 500 per month.

Ownership category

akta.pro rank

Headquarters

HQ city

Noida

HQ country

India

HQ region

Asia

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Plans: Khata operates on a tiered subscription model with four levels: Free (limited features), Super (INR 100/month), Royal (INR 250/month), and Crown (INR 500/month). Higher tiers offer increased SMS credits, customer limits, transactions, multi-user access, and bill uploads. All services are prepaid with no refund policy.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Khata provides a mobile-based digital Udhar Khata (credit ledger) platform that replaces the traditional paper Bahi Khata used by Indian shopkeepers and small businesses. The platform enables merchants to record credit/debit transactions with automatic calculations, send SMS notifications to customers, upload bill photos, and generate daily/monthly reports, while offering a free companion app for customers to view their transaction history with local merchants.

Product overview

Khata is a mobile-first financial management platform that digitizes the traditional Indian Udhar Khata (credit ledger) system. The portfolio consists of two core products: Khata Business App for merchants to manage customer credit/debit transactions, send SMS notifications, and generate reports; and Khata Home App (free) for customers to view their transaction history. These products are supported by a tiered subscription model (Quick Khata, Mega Khata, Super Khata, Imperial Khata, Royal Khata, Crown Khata) that unlocks additional features like SMS credits, bill storage, customer limits, and multi-user access. The platform emphasizes cloud data storage with Google Drive integration for encrypted local backups.

Differentiator

Problem solved

Functional benefit

Brands

• Khata Business: Digital ledger management app for businesses to track customer credit/debit transactions
• Khata Home

Products and services

• Khata Business App A digital Udhar Khata mobile application for businesses that allows merchants to manage credit/debit transactions with customers, track accounts, send SMS notifications, upload bill photos, and generate reports. It serves as a digital replacement for the traditional Bahi Khata ledger system used by Indian shopkeepers.
• Khata Home App A free mobile application for individual consumers to view their credit and debit history with local shopkeepers, allowing them to track account status and transaction records on the move.

Quantifiable outcome

• Super Fast - Creating a new transaction now takes a matter of seconds
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Khatabook: Khatabook is India's leading digital ledger app for SMBs and shopkeepers, offering near-identical functionality to Khata for tracking credit/debit transactions (Udhar Khata). It is the most direct competitor with significantly larger scale and venture funding.
• Dukaan: Dukaan enables small merchants and shopkeepers to set up online stores and manage orders. While its core offering is e-commerce enablement rather than ledger management, it serves the same Indian SMB shopkeeper segment and overlaps in digital transformation use cases.
• OkCredit: OkCredit provides a digital bahi khata app for small businesses to manage credit and payment records with customers. It targets the same Indian SMB segment with overlapping features including SMS notifications and multi-language support.
• Khatabook (rebranded as BharatKhata): Listed separately to note the rebrand — Khatabook rebranded its consumer-facing app to BharatKhata while maintaining its merchant app, validating the two-sided platform model that Khata also pursues.
• Vyapar: Vyapar is a mobile-first accounting and invoicing app for Indian SMBs that includes credit/debit tracking along with GST compliance, inventory, and invoicing. It competes for the same SMB shopkeeper wallet with a more comprehensive feature set.

Broad incumbents

• Zoho Books: Zoho Books is a cloud-based accounting platform serving SMBs globally including in India. It offers invoicing, expense tracking, and banking integration as part of the broader Zoho suite — competing for the same digital-ledger SMB use case with a more expansive product.
• Tally Solutions: Tally is the dominant SMB accounting software in India with decades of market presence. It serves larger SMBs than Khata's target segment and offers comprehensive accounting, GST, and inventory management — a broader incumbent that could move downmarket.
• BharatPe: BharatPe provides payments and lending services to Indian SMB merchants, including QR code payments and merchant financing. While its core is fintech rather than ledger management, it serves the same SMB shopkeeper segment and has begun offering adjacent business management tools.
• Paytm for Business: Paytm offers merchant-facing payment and business management tools including payment acceptance, invoicing, and basic bookkeeping. It targets the same Indian SMB merchant segment and competes for SMB wallet share on digital tools.

Emerging players

• Lendingkart: Lendingkart provides working capital loans to Indian SMBs, often leveraging alternative data including digital transaction records. It is adjacent to Khata's transaction data business and represents the type of fintech where Khata could expand or partner.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/easykhata

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Khata