# Khatabook

**Canonical:** https://apis.io/providers/khatabook/  
**Website:** https://khatabook.com  
**APIs profiled:** 0

Khatabook is a Bengaluru, India-based fintech company building a mobile-first digital ledger ("bahi khata") and business management platform for India's 6.3 crore-strong MSME sector. Founded in 2018 by Ravish Naresh, Vaibhav Kalpe, Dhanesh Kumar, and Jaideep Poonia, its flagship Khatabook Android app lets shopkeepers and small merchants record credit transactions ("udhaar"), send free WhatsApp/SMS payment reminders, collect payments via UPI and QR codes, and generate ledger statements — replacing the paper notebook ("khata") historically used across Indian retail. The app has been downloaded over 50 million times and is offered in 13+ Indian languages. Khatabook's portfolio also includes Cashbook (cash-in/cash-out tracking), Pagarkhata/Pagarbook (staff attendance and salary management), Biz Analyst (Tally mobility for accountants, acquired in 2021 for ~$10M), and a suite of GST, EMI, income tax, payroll, and loan calculators. The company has raised roughly $190M across seed through Series C from Sequoia Capital, Tencent, DST Global, GGV Capital, Y Combinator, B Capital, Moore Strategic Ventures, and angels including MS Dhoni, valuing it around $600M. Khatabook monetizes via SMB lending tie-ups, premium business tools, and adjacent fintech distribution. The Khatabook GitHub organization (verified, owns khatabook.com) exists but has no public repositories, and the company does not publish a public developer API, SDK, OpenAPI spec, or partner program — its surface is a consumer/SMB mobile app rather than a developer platform.

## Kin Score — 8.8 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.8).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Requires approval — onboarding: approval, pricing: unknown, trial: no (confidence: medium).

## Security (1)

- **Khatabook Domain Security** — TLSv1.3 · DMARC

## Tags

Fintech, Digital Ledger, Bahi Khata, Bookkeeping, Accounting, MSME, SMB, India, UPI, QR Payments, Payment Reminders, Cashbook, Pagarbook, Biz Analyst, Tally Mobility, Staff Management, GST, Calculators, Consumer App

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/khatabook/). Scores are computed from the provider's own public artifacts under a published rubric.