Jama Khata is a digital ledger app Bangladesh small business owners trust for tracking customers, recording transactions, and understanding profit. Whether you run a shop in Chattogram, a wholesale business in Dhaka, or a supplier network in Sylhet — this digital ledger app Bangladesh is built for you. No accounting knowledge needed. According to the SME Foundation, over 7 million small businesses in Bangladesh still rely on paper ledgers. Jama Khata changes that.
Your business
accounts, finally
under control
Jama Khata is the all-in-one digital ledger for small businesses — track customers, suppliers, expenses, and profit with the simplicity of a notebook, and the power of a full accounting suite.
Built for how real businesses work
From a local tea stall to a growing wholesale company — Jama Khata adapts to your business without requiring any accounting knowledge.
Books That Know What They Are
Enable inventory and products per book — not globally. Your “Grocery Shop” book shows product tabs and item receipts. Your “Personal Loans” book stays a clean, simple cash ledger. Zero clutter.
✦ Smart DesignCustomers & Suppliers
Track both customers (who owe you) and suppliers (whom you owe) with separate party types, balances, and mobile numbers.
Party Type LabelsYou Gave / You Got
Record credit and payment transactions with optional bill numbers, due dates, receipt images, and full descriptions.
Image ReceiptsProfessional Invoice & Receipt PDF
Generate a fully itemized, branded invoice or receipt PDF from any transaction — with your logo, address, item table, and totals. Credit Notes and Debit Notes too.
✦ NewPer-Book Item Catalogue
Build a product catalogue per book. Pick items inside the transaction form — totals calculate and lock automatically, descriptions write themselves.
✦ Per-BookReturns & Credit Notes
Mark any transaction as a return with one toggle. Generates a proper Credit Note (CN) or Debit Note (DN) PDF, shown with an amber RETURN badge in the ledger.
✦ NewRecycle Bin
Accidentally deleted a transaction? Restore it from the Recycle Bin inside Settings. Search by customer name or bill number.
✦ New FeatureExpenses & Categories
Log business expenses with custom categories. Filter by date range and category to see exactly where your money goes.
Custom CategoriesBusiness Intelligence Center
Week-over-week growth trends, Top Customer & Top Product leaderboards, cash flow forecasts by time horizon, and stock capital tracking — all inside Profit & Loss.
✦ UpgradedExcel-Ready CSV Export
Export any book’s full transaction history as a perfectly formatted CSV — Unicode-safe for Bangla in Excel, partial payments split into correct rows, and 100% re-importable.
✦ UpgradedGlobal Search
Instantly find any customer or transaction across all books with the universal search — no need to manually browse.
Instant ResultsTeam Collaboration
Invite team members with Owner, Editor, or Viewer roles. Every transaction has an audit trail showing who did what.
Audit LogDaily Email Digest
Get a summary of your receivables and today’s transactions delivered to your inbox at your preferred time daily.
Configurable TimeOverdue Alerts
Set a due date on any credit transaction. When the date passes, the customer is highlighted in amber with an overdue badge — so you never forget to follow up.
✦ Built-inFull Audit Log
Every transaction carries a complete history of who created it and who edited it, with timestamps. Know exactly what changed and when — even months later.
✦ UniqueUp and running in minutes
No training needed. No complicated onboarding. Just open and start recording.
Create a Book
Make a book for your business. Give it a name, add your logo and address in Owner Profile.
Add Customers
Add customers or suppliers with their name and mobile number. Mark them as Customer or Supplier.
Record Transactions
Tap “New Entry” to record money given or received. Attach a receipt image if needed.
Share & Report
Share statements to WhatsApp or download PDF/CSV reports for customers and transactions.
Each book knows exactly what it is
Most apps make inventory either always-on or always-off. Jama Khata lets every book decide for itself — because a grocery shop and a personal loan book are completely different businesses.
- Toggle Product Catalogue and Inventory per book, not globally
- Grocery Shop book → Products tab, item picker, stock tracking all visible
- Personal Loans book → clean simple ledger, zero product UI
- Set it once during book creation, or change anytime in Book Settings
- Switching books instantly adapts the entire UI — no page reload needed
Recycle Bin for deleted transactions
Mistakes happen. With the new Recycle Bin, deleted transactions are never truly gone — they’re safely stored and can be restored with one click.
- Search deleted entries by customer name, description or bill number
- Restore instantly — transaction reappears in customer history
- Access from Settings → Recycle Bin inside any book
Roles, permissions & audit trails
Run your ledger with your team. Assign roles — Owner can manage everything, Editors can add entries, Viewers can only read.
- Owner, Editor, and Viewer role types per book
- Every transaction records who created or edited it
- Owners can add or remove team members anytime
Business Intelligence Center, not just P&L
The Profit & Loss page is now a full BI dashboard. Week-over-week growth trends, top customer and product leaderboards, a cash flow forecast timeline, and stock capital tracking — all in one place.
- ▲/▼ Week-over-week growth vs last 7 days — color-coded on every P&L card
- Top 5 Customers by sales volume and Top 5 Products by revenue/units
- Cash flow forecast: Overdue → Next 7 days → Next 30 days → 30+ days
- Capital locked in stock (Qty × Cost) with low-stock alert flags
- Product widgets hide automatically if the catalogue is off for that book
Excel-ready CSV export — actually works
The new CSV export is built properly. Bangla text displays correctly in Microsoft Excel, partial payments are split into accurate rows, and every file can be re-imported back into Jama Khata with perfect balance integrity.
- Exports Customer Name, Mobile, Date, Description, You Gave, You Got columns
- Partial payments split into two rows — sale row + payment row — balances match perfectly on import
- BOM header added so Bangla/Unicode text never garbles in Excel
- 100% compatible with Import All → CSV flow for book transfer or restore
Item Catalogue — pick products, totals calculate themselves
Build your product catalogue once. When recording a transaction, pick items from the dropdown — quantities, rates, and totals fill in automatically. No calculator, no manual errors.
- Add items with name, unit, and rate to your catalogue
- Select items directly inside the transaction form
- Amount field auto-calculates and locks — no mismatch possible
- Description auto-generates: “Rice (5 kg), Soap (4 pcs)” — still fully editable
- Fully optional — manual entry works exactly as before if you skip the catalogue
Itemized Invoice, Receipt & Credit Note PDFs
Generate a fully branded PDF from any transaction in seconds — your logo, address, a clean item table, and totals. Looks like it came from proper accounting software.
- Item Name | Quantity | Rate | Total table on every invoice
- Custom remarks displayed neatly alongside the totals summary
- Returns automatically print as Credit Notes (CN-) or Debit Notes (DN-)
- Uses your Owner Profile logo, business name, and address
- Works for both itemized (catalogue) and simple manual transactions
Returns with amber badge & Credit / Debit Notes
When a customer returns goods or a supplier takes back a delivery — toggle “This is a Return.” The balance adjusts, the ledger shows an amber RETURN badge, and a proper Credit Note or Debit Note PDF is ready instantly.
- Toggle “This is a Return” on any You Got (customer) or You Gave (supplier) entry
- Amber RETURN badge in the ledger — clearly distinct from regular transactions
- Credit Notes (CN-) for customer returns, Debit Notes (DN-) for supplier returns
- Balance automatically corrected — no manual adjustment needed
Overdue alerts that actually work
Set a due date on any credit entry. When it passes, the customer card turns amber in your list — no scrolling, no guessing. Your overdue accounts are always front and center.
- Add a due date when recording a “You Gave” transaction
- Overdue customers show a bold amber border and a clock icon in the home list
- The nearest due date is displayed on each customer card so you always know what\’s coming
- No other Bangla ledger app shows overdue status this clearly
Audit log — know every change, always
Every transaction in Jama Khata carries its complete edit history. See who created it, who changed it, and when — going back months. No other local ledger app gives you this level of transparency.
- Created by and edited by are tracked automatically on every entry
- Timestamps are stored precisely — date and time, not just date
- Filter the Profit & Loss report by team member to audit contributions
- Ideal for businesses where multiple staff handle the books
Transparent, no surprises
Start free, upgrade when you’re ready to grow.
- 1 Book (Organization)
- Unlimited customers & transactions
- Recycle Bin access
- PDF & CSV reports
- English & Bangla language
- Unlimited Books
- Team Members (Owner/Editor/Viewer)
- Audit trails per transaction
- Daily email digest (configurable)
- Expense categories & P&L report
- Owner profile with logo & address
- Data export & import (backup)
What our users say
Due date দেওয়ার পর customer list-এ amber color দেখালেই বুঝি কার কাছ থেকে টাকা নিতে হবে। অন্য কোনো app-এ এই সুবিধা পাইনি।
The recycle bin is something I’ve never seen in any Bangla ledger app. I deleted a ৳50,000 entry by mistake and got it back in one click. Lifesaver!
The audit log is the reason I switched. My manager edits entries and I can see exactly what he changed and when. No other app shows this — I checked.
আমি Khatabook use করতাম। Jama Khata-তে overdue tracking দেখে সরে এলাম। কোন customer কত দিন ধরে বাকি সেটা এখন এক নজরেই বোঝা যায়।
I gave Viewer access to my accountant and Editor to my staff. The audit trail shows me exactly who entered what. Khatabook had nothing like this role system.
Recycle bin, audit log, overdue alerts — these three features alone make Jama Khata worth it. I can run my shop confidently knowing nothing is ever lost or hidden.
Ready to run your
business smarter?
Join thousands of businesses managing their ledger with Jama Khata — simple enough for day one, powerful enough for year five.
Start for free — no card neededReady to get started?
To get the mobile APK or web version of Jama Khata, reach out via any of the channels below.