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হাতের মুঠোয়।
Bangladesh's #1 loan business OS — 46+ features, AES-256 encrypted.
বাংলাদেশের ঋণ ব্যবসা পরিচালনার জন্য সেরা ডিজিটাল সমাধান। From customer onboarding to profit calculation, from cashbook to legal docs — everything one lender needs, in one app.
ডাটা সুরক্ষা
দিন ফ্রি ট্রায়াল
এনক্রিপশন
রোডম্যাপ সম্পন্ন
The country's lenders run on paper. Not for long.
Bangladesh has thousands of small-scale lending businesses — NGOs, samiti, microfinance shops, gold-loan operators, individual lenders. Most are running their entire operation on khata books and Excel. The math is brittle. The audit trail is missing. The customer notifications are by hand.
পাওনাখাতা changes that. One app, 46 features, Bangla-first. Track every loan, every payment, every customer. Calculate profit automatically — simple and compound. Generate PDF reports for tax filing. All encrypted at AES-256. From your phone.
This is what the next decade of small finance in Bangladesh looks like.
Four pillars. One app.
The features that matter most for running a healthy lending business — fast, accurate, accountable.
গ্রাহক ও ঋণ ব্যবস্থাপনা
Customer & Loan ManagementAdd customers, issue loans, track every installment. KYC-style record with photos, NID, contacts.
স্বয়ংক্রিয় মুনাফা গণনা
Auto Profit CalculationSimple interest, compound interest, simple profit — calculated automatically. No spreadsheet errors.
বিস্তারিত রিপোর্ট ও PDF
Detailed Reports & PDFDaily, monthly, annual reports. Export to PDF or CSV for tax filing and audit trails.
AES-256 এনক্রিপ্টেড নিরাপত্তা
AES-256 Encrypted SecurityBank-grade encryption on every record. 24/7 backups. Two-factor login. Your data, your control.
Built for real lenders.
Every screen tested in production with actual lending businesses across Dhaka, Sylhet, and Khulna.
পেমেন্ট ও আদায়
Every receipt in one place. Filter by status, search by customer or loan number. Accept cash, bKash, or bank.
মুনাফার হিসাব
Daily, monthly, annual profit dashboard. Trend charts. Pie split between simple, compound, and simple profit.
মূলধন ব্যবস্থাপনা
Track every taka in and out — investment, withdrawal, profit reinvested. Pie chart shows where capital sits.
ফিচার রোডম্যাপ
Transparent build pipeline — see what's done, what's coming. Customers vote on the next features.
All 46 features, organised.
Every capability inside পাওনাখাতা, grouped by area of the business. ✓ = shipped, ⟳ = building, ○ = planned.
ফিচার রোডম্যাপ — open progress.
We ship in public. Customers vote on what's next. Every quarter brings 4–6 new capabilities.
Your data. Your control.
Financial records demand more than passwords. Here's the protection stack behind every transaction.
AES-256 Encryption
Every customer record, every loan entry, every receipt — encrypted at rest with bank-grade AES-256. Even our team can't read your data without your key.
24/7 Automated Backups
Hourly snapshots, encrypted and replicated across geographically separated data centers. Restore any point in the last 30 days in under 5 minutes.
Multi-factor Access
SMS, authenticator app, or biometric login. Role-based access for staff. Every login event logged with device fingerprint and location.
15 days, full access.
কোনো কার্ডের প্রয়োজন নেই।
Test every feature, import your existing data, run your business in parallel for 15 days. No credit card required. Cancel anytime. Keep your data either way.
পাওনাখাতা দিয়ে আজই শুরু করুন।
Bangladesh's lending businesses deserve better than Excel. Built locally, encrypted at AES-256, supported in Bangla.
Pick the path that fits you.
Use PawnaaKhata
Bangladesh's #1 loan business OS — 46+ features, 15-day free trial.
Open PawnaaKhata →Talk to Antor
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