How to Calculate Byaj (Interest) at “₹ per 100 per Month” — With Examples
A simple guide to calculating interest the traditional Indian way — rate per ₹100 per month, counting days, yearly compounding and part payments — with worked examples.
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Guides for smarter business
Plain-language articles on interest calculation, cooperative banking, record keeping, clinics and going digital — written for Indian businesses.
Interest & LoansCooperative BankingBusinessHealthcareEducation
₹2 सैकड़ाByaj, the traditional way
30 vs 31Day-count methods
Calendar Days vs 30-Day Month: Which Interest Method Should You Use?
Two ways of counting days give two different interest figures. Learn how the calendar method and the 30-day (360-day year) method work, with examples and when to use each.
सहकारिताSociety software guide
Credit Cooperative Society Software: A Practical Buying Guide
What should software for a credit cooperative society or pat sanstha do? A checklist covering members, deposits, loans, daily collection, interest, NPA, reports, backup and migration.
NPAKnow your loan book
NPA Classification for Cooperative Society Loans, Explained Simply
What is an NPA, how are Standard, Sub-standard, Doubtful and Loss assets defined, and how can a credit cooperative society track overdue loans without a manual register?
बही-खाताGoes digital
From Bahi-Khata to Digital: A Vyapari’s Guide to Going Digital
Why traders are moving their bahi-khata and byaj khata to software, what to look for, and how to make the switch without losing your trusted way of working.
गिरवीRecords that protect you
Girvi Record Keeping for Jewellers: Best Practices That Prevent Disputes
Practical girvi (gold and silver pledge) record-keeping practices for jewellers and pawn brokers — what to record, photos, interest, part payments, release and overdue items.
Rx ✍Paperless, still handwritten
Going Paperless in a Homeopathy Clinic — Without Giving Up Handwriting
How homeopathy doctors can move from paper case sheets to a tablet while keeping handwritten case-taking — patient files, photos, old records, appointments, WhatsApp reminders and backup.
Offline ⇄ CloudChoose with clarity
Offline vs Cloud Software for Small Businesses in India: An Honest Comparison
Should a small Indian business, society or clinic choose offline desktop software or a cloud app? Compare internet dependence, privacy, cost, speed, backup and access.
फीसSchool office basics
School Fee Management: 7 Basics Every School Office Should Get Right
A practical guide for private schools on fee structures, receipts, dues follow-up, transport fees, expenses and reports — and how software makes the school office simpler.
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