Khatabook — Digital Lending Partnerships & Profile
ADJ Utility Apps Private Limited. Fintech LSP in India's digital lending ecosystem, with 7 tracked regulated lending partners.
Snapshot
Reading the data
Khatabook is a fintech lending service provider (LSP). Our Market Map tracks 7 regulated lending partners for Khatabook, including Niyogin Fintech, SMFG India Credit and Amica Finance. Product focus: business/MSME loans across tickets of ₹10K–₹5L and tenures of 3–24 months. Disclosed pricing spans 15%–24% — where an offer sits in that band tells you which borrower segment the book is really built on. The platform is VC Backed with roughly ₹1,567 Cr raised (last round 2021-08). Worth knowing: App lists multiple partners including brand names that may not be NBFCs; legal entity resolution uncertain for some names.
Products
Regulated lending partners
| RE / Lender partner | DLA / App | Available on |
|---|---|---|
| Niyogin Fintech | KHATABOOK | Website |
| SMFG India Credit | Khatabook credit account book | Google Play Store |
| SMFG India Credit | Khatabook Vyapar App | Apple's app store |
| Amica Finance | Khatabook | Google Play store and Apple App Store |
| Kinara Capital | Khatabook | App Store |
| Vivriti Capital | Khatabook App | Apple Store Khatabook Vyapar App |
| Western Capital Advisors | Khatabook | Website |
Frequently asked questions
Who are Khatabook's digital lending partners?
Khatabook has 7 regulated lending partners (REs) tracked in the RBI digital lending registry, including Niyogin Fintech, SMFG India Credit, Amica Finance, Kinara Capital.
What products does Khatabook offer through digital lending?
Khatabook is active in business/MSME loans, with ticket sizes from ₹10K to ₹5L.
How do I evaluate Khatabook as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Khatabook fits your model, and compare alternatives on the Market Map.
Does Khatabook fit your lending model?
Answer three questions and see which partners match your product, rate band, and ticket size — Khatabook included.
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Primary source type: App/Secondary. Data confidence: High. Batch F4. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.