Ramesh runs a 40-year-old textile business in Surat.
His suppliers give him 90 days credit.
His workers have been with him for three generations.
His customers pay him before delivery.
But when he walks into a bank, none of this exists.
Just a credit score. And a demand for collateral.
Bharatbooks
भरोसे का हिसाब। — The record of trust.
Thebankasksforyourbalancesheet.
Yoursuppliernever did.
Your business generates trust every day. The system was never built to see it.
First 1,000 businesses. Founding member pricing.
Every day without this system, trust signals are lost forever.
Businesses
Salaries Processed
Cities
On-Time Rate
Good businesses stay invisible.
The system was never built to see them.
The loan you didn't get because the bank couldn't see what your community already knows.
What if the problem isn't three problems?
What if it's one?
A platform you pay only when it delivers.
That captures what your bank has always missed.
That turns your CA from a filer into a builder.
Not three different fixes.
One operating system that aligns everyone.
Business owner.
Professional.
Lender.
All seeing the same truth.
All winning together.
An operating system for Indian business.
Outcome-priced. Trust-capturing. AI-native.
You run your business on Bharatbooks.
Payroll.
Invoicing.
Collections.
Compliance.
But what runs underneath is different.
Every action builds your record. Not just data—patterns. Not just numbers—behaviour.
How fast you respond.
How reliably you pay.
How consistently you honour what you said.
The trust you generate becomes visible.
To you. To your CA. To anyone who should see it.
Three shifts. One platform.
PAY FOR OUTCOMES
No subscriptions. No seat licenses.
You pay when value is delivered.
Process ten salaries? Pay for ten.
Our success is tied to yours.
CAPTURE TRUST
Every payment. Every deadline met.
We record the patterns that prove reliability.
What your community knows about you—
now there's a system that knows it too.
SCALE YOUR CA
Your CA becomes a V-CFO, not a filer.
AI handles the repetitive.
Your CA handles the strategic.
10× more clients. 10× more impact.
How banks use trust signals.
Banks want to lend to good businesses.
They just can't see them.
Not because they don't care—because the systems they inherited were built for a different world. A world of factories and collateral. Not relationships and reputation.
Bharatbooks gives them new eyes.
Payment Timeliness Score
How consistently you pay on time
Vendor Relationship Duration
How long your suppliers have trusted you
Employee Retention Index
How long your team has stayed
Compliance Track Record
How reliably you meet deadlines
You control what gets shared. Your data. Your choice.
You've spent years building trust.
Now there's proof.
Your suppliers don't ask for contracts. Your customers come back without marketing. This is trust. You built it. But walk into a bank, and none of it exists.
Bharatbooks changes this.
Every salary paid becomes evidence. What your market knows about you—your bank will finally see.
What our early users say
423 businesses recording trust signals
“Finally, a system that understands how Indian businesses actually work. Not just accounting—the trust part.”
Managing Director, Kumar Textiles, Surat
We're starting with payroll.
The first promise every business makes.
Paying your people on time.
It's the most basic act of trust.
It's also the most visible.
What we handle
Bharatbooks Salary handles it completely.
Payslips. TDS. PF. ESI.
All compliances. All automatic.
How you pay
No monthly fee.
Pay per salary processed.
Five employees or five hundred—you pay for what you do.
First 100 salaries on us.
We earn when you earn. If it doesn't work, you pay nothing.
Good businesses deserve to be seen.
Today, a loan decision is made with half the picture.
The bank sees your ITR but not your integrity.
Your credit score but not your community standing.
This isn't malice. It's blindness.
The system that captures trust didn't exist.
We're building it.
An ecosystem where reliability is recorded.
Where behaviour counts as much as balance sheets.
Where the businesses that run right get the terms they deserve.
Frequently Asked Questions
Your grandfather built this business on trust.
Your father grew it on reputation.
Now there's a system that sees what they built.
भरोसे का हिसाब।
The record of trust.
It starts here.
We're launching in phases.
Salary & Compliance first.
Then invoicing. Collections. Beyond.
One product. One outcome. One step at a time.
First 1,000 businesses get founding member pricing.
Cancel anytime. Your data exports with you.
Bharatbooks
भरोसे का हिसाब।
The record of trust.