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UrKredit — the next-generation digital credit book

UrKredit, by Securebook Technologies Private Limited, is a multi-tenant SaaS platform that digitises the informal credit ("khata") and receivables cycle for India's small businesses. Delivered through merchant and customer mobile apps, it replaces error-prone paper ledgers with a secure, multi-language, transparent system for recording credit, reminding on dues and settling balances — purpose-built for each vertical.

The problem we solve

• Paper ledgers are easily lost or disputed
• No way to verify a new customer before extending credit
• Tracking dues across many customers is slow and error-prone
• No early warning or protection against habitual defaulters

Built for every business that runs on trust

• Clinics & medical stores (anchor vertical)
• Independent doctors
• General / kirana merchants
• Fuel bunks & transport
• Educational institutions and hospitality

Key features

• Complete digital ledger with full transaction history
• Smart, automated due-date reminders
• Multi-shop credit visibility for customers
• Secure settlements and partial-payment tracking
• Real-time analytics and business reports
• Multi-language, verified and secure accounts

What makes it different

• Captures repayment behaviour across many merchants to build a cross-merchant credit profile for each customer
• Data network effects that standalone ledger apps cannot replicate
• An AI/ML credit-scoring layer (in development) for real-time creditworthiness signals
• A foundation for embedded lending (working capital / BNPL via NBFC partners), plus GST and inventory modules as it matures

Business model
Recurring per-vertical SaaS subscriptions, with future high-margin adjacencies in embedded lending, GST compliance and inventory management.

Current status
Merchant and customer apps live on the App Store and Google Play; clinic module as the anchor; DPIIT-recognised (Certificate No. DIPP265179).