Bharat Khata

Bharat Khata (BK) – Channel Partner App for CredServ Bharat Khata is a secure app for channel partners (dealers, distributors, buyers) invited through the CredServ platform to complete digital onboarding and manage their receivables journey—covering KYC, invoice approvals, agreements, mandates (eNACH where enabled), and payment tracking. If you’ve received an invite from a corporate on CredServ, Bharat Khata helps you complete onboarding quickly and stay updated on invoices, dues, and credit-related actions—without manual paperwork or follow-ups. What you can do on CredServ using the Bharat Khata app 1) Complete onboarding & KYC (digital-first) - Start onboarding using your mobile number and OTP - Verify business identity using PAN/GST (supports multiple GST profiles) - Complete promoter verification through secure consent-based flows - Get ready for formalisation and credit enablement (if applicable) 2) Review and approve invoices - View invoices shared by your corporate - Approve invoices individually or in bulk - Track invoice amount, due date, and outstanding balance - Maintain a clear record of approvals and actions 3) Make receivables formal & enforceable - Sign agreements digitally (Aadhaar eSign where enabled) - Complete mandate setup (eNACH where enabled) - Move to a “formalised” status once required steps are completed 4) Track limits & utilisation (if enabled by your corporate) - View credit limit, utilised amount, and available limit - Get alerts when utilisation is high or action is required - See eligibility status clearly (as configured by the corporate) 5) Track repayments and transactions - View repayment schedules and reminders - Track payments and transaction history - Submit payment updates (when needed) with reference details Permissions & Data Usage BharatKhata requests SMS permission to read only financial transaction messages such as bank credits, debits, EMI deductions, and loan repayment alerts from 5-digit bank shortcodes. This data is essential to assess your cash flow and repayment capacity, which enables us to determine your loan eligibility and provide credit offers. We do not access personal messages or promotional SMS. Your data is used only for credit underwriting within the app and is never sold or shared for any other purpose. If you choose not to grant SMS permission, all other app features remain fully accessible. Who is this app for? Bharat Khata is for channel partners invited by a corporate using the CredServ platform. Your access and features depend on what your corporate has enabled for you. Why Bharat Khata? Bharat Khata helps you: - reduce paperwork - avoid follow-up confusion - stay clear on invoices and dues - complete formal steps required to become finance-ready Trust & data transparency Bharat Khata is built with enterprise-grade workflows: - consent-based verification steps - clear audit trail for actions and approvals - secure handling of business and KYC information Support If you face onboarding or invoice-related issues, please contact your corporate admin or your Bharat Khata support channel shared in the invite message.