You can replace your old Hisab Kitab/ Account Ledger/ Credit Ledger book and start using ByajKhata now. ByajKhata is a truly Made in India digital online ledger for every Indian. This works as a Ledger Book & manages the digital hisab kitab for you. Forget the old payment reminder app, payment reminder book. Here is the new way to manage the credits you give or take. ByajKhata automatically sends an SMS as soon as you record the financial transaction making sure your friends are reminded about the transaction.