BahiKhata
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BahiKhata — बही खाता

Your accountant, in your language. Built for UK SMEs running multiple businesses.

Snap an HMRC letter, forward a receipt, ask a question in Punjabi or Urdu. BahiKhata reads, files, and explains — across every company you run.

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BahiKhata is informational guidance only. Not regulated tax advice.

Who it's for

Built for cash-heavy UK SMEs

Corner shops

Daily Z-readings, cash float, supplier invoices — all in one ledger.

Takeaways & restaurants

Card + cash + delivery apps reconciled nightly. VAT-ready by quarter end.

Off-licence

Duty stock, spirits VAT bands, and HMRC excise letters handled.

Transport & courier

Fuel, mileage, driver costs split per company. CIS where needed.

What BahiKhata does today

Ten things working right now

Not a roadmap. Every feature below is shipped and live in beta.

HMRC letter inbox

Snap a photo of any brown envelope. We read it instantly and give you a plain-English summary, deadline, and amount due.

Reply letters drafted for you

One click drafts a polite, accurate reply to HMRC in English, Punjabi, Urdu or Hindi. You review and send.

Bank feed (TrueLayer)

Auto-pulls transactions from every business account — DesiCrave, XEagle, all your entities — once a day.

Auto-categorisation

Every transaction tagged automatically: cost of sales, fuel, wages, rent. You only review the unsure ones.

Receipt match

Forward a receipt email or snap a paper receipt. We OCR it and auto-match to the right bank transaction.

Cash log

Daily Z-reading, banking, float. Built for cash-heavy shops who need a paper trail HMRC will accept.

Tax snapshot

Real-time corporation tax + VAT estimate. Tells you exactly how much to put aside this week.

Deadline tracker

Every HMRC and Companies House date for every company. T-7 and T-1 alerts so nothing slips.

Portfolio view

All your companies in one P&L. Cross-entity director self-assessment. Group cash flow at a glance.

Ask BahiKhata

Ask anything in your language with full context of your books. "How much VAT do I owe this quarter?" — answered.

Three things nobody else has

Why BahiKhata, not Pie or Xero

Coming soon

Voice on WhatsApp

Send a voice note in Punjabi, Urdu, Hindi, Bengali or English. Get a voice reply with the answer and the next step.

Multi-company dashboard

All your companies in one login. Cross-entity P&L, combined director self-assessment, and group cash flow.

Family business mode

Father, sons, spouse — every family member gets the right access to the family books, with succession built in.

How it works

Three steps to a stress-free brown envelope

  1. 01

    Connect your bank

    TrueLayer pulls every account in 60 seconds. Read-only. Bank-grade. Works with all UK high-street banks.

  2. 02

    Forward letters & receipts

    Snap photos of HMRC letters. Forward receipt emails. Or just upload a PDF. We sort, OCR, and file the lot.

  3. 03

    Ask anything

    Open BahiKhata and ask in your language. Full context of every company you run. Voice on WhatsApp coming soon.

Pricing

Simple, per company

Free during beta. After launch:

£29/ month / company

No setup fee. No per-transaction charge. Cancel any time.

Start free in beta

The ledger book, done for you.

Built by Sifotech in the UK.