Company nameKirana Ledger
Websitekiranaledger.in
One-line descriptionBookkeeping and working-capital credit for kirana stores, on WhatsApp.
Founder names, roles and LinkedInAarav Mehta (CEO), Riya Iyer (CTO)
Contact phone+91 98200 11234
Current stagePre-seed · product live
Pitch deck linkkiranaledger.in/deck
What does your company do?Kirana Ledger gives neighbourhood grocery stores a WhatsApp bot that records sales and credit (udhaar), then offers working-capital loans from partner NBFCs based on that live ledger.
What problem are you solving, and for whom?India has 12M kirana stores that run on paper ledgers and cannot prove income, so banks decline them. Store owners lose 8–10% of sales to untracked credit.
Why now?UPI makes every sale digital, WhatsApp Business API is cheap, and NBFCs now accept cash-flow underwriting.
Are all founders working full-time?Yes — both founders full-time since January 2025.
How long have the founders known each other?Seven years — college roommates at IIT Bombay.
One-minute founder video linkyoutu.be/sample-founder-intro (unlisted)
Users or customers today1,240 active stores across Pune and Nashik.
Funding raised so far₹60 lakh from angels (March 2025)
Who are your competitors and why will you win?Khatabook and OkCredit own bookkeeping but do not lend. We win by underwriting on the ledger itself: lower default risk, higher margin per store.
Month-on-month growth22% month-on-month over the last 4 months