Interest Book AG Pro

Interest Book AG Pro is a banking-grade, 100% offline interest calculator, loan ledger and micro-finance ERP app. Designed with a sleek corporate UI, it empowers moneylenders, jewellers, financiers, and businesses to manage lending, borrowing, and complex interest calculations with 100% precision. 🚀 WHY CHOOSE INTEREST BOOK AG PRO? • 100% Offline & Private: Zero cloud servers or internet needed. Your financial data stays strictly on your device. • Flexible Access Plans: Start with a 10-Day Free Trial! Choose an affordable Quarterly Plan for budget flexibility, or pay ONCE for Lifetime Pro Access. • 100% Ad-Free Experience: A clean, distraction-free environment built for serious daily accounting. • Sleek Corporate UI: Context-aware light theme with clean monochrome icons for effortless daily accounting. • 12-Slide Interactive Tutorial: Built-in step-by-step visual guide to master every module anytime. 🏦 BANKING-GRADE CALCULATION ENGINE • Simple & Compound Interest (SI/CI): Accurate daily, monthly, quarterly, half-yearly, and yearly compounding calculations. • Multi-Part Principal Support: Add multiple loan disbursements (Part 1, Part 2, etc.) sequentially within a single loan. • Multi-Rate Interest History: Apply and track varying interest rates over time on the same loan. • Multi-EMI Duration Support: Flexible EMI schedules including Monthly, Quarterly, and Half-Yearly installments. • Processing Fees & Down Payment: Auto-adjust Processing Fees (+) and Down Payments (-) to compute exact Actual Loan. • Dynamic Penalty Engine: Automatically calculate penalty interest on delayed principal or overdue EMIs. • Any-Date "As-On-Date" Accuracy: Calculate exact accrued interest and outstanding balance for any past or future target date. 💸 SMART REPAYMENTS, FIFO & SETTLEMENT • Instant Payment Adjustment: Real-time principal and interest recalculation from the exact date of repayment. • FIFO EMI Knock-Off: Automatically adjusts lump-sum or partial payments against the oldest overdue EMIs first. • Pre-Closure & Foreclosure: Close loans early with instant interest recalculation. • One-Time Settlement: Settle accounts mutually with automatic Settlement Gain/Loss record-keeping. 📒 DUAL LEDGER & COLLATERAL (GIRVI) LOGS • Dedicated Lend & Borrow Modes: Separate colour-coded workflows for LENDING (Dr. / Given) and BORROWING (Cr. / Taken). • Collateral & Security Attachments: Log pledged items and live item photos. • Individual Party Ledgers: Customer-wise statements showing all details. 📄 DIGITAL VOUCHERS, REPORTS & REMINDERS • Custom Signed PDF Vouchers: Generate official loan vouchers with collateral details, amount in words, and your drawn Canvas Digital Signature. • Comparative Common Report: Side-by-side Borrowed vs. Lent portfolio summary. • One-Click PDF & Excel/CSV Export: Export filtered ledgers, vouchers, and financial reports. • Automated Due Inbox & Alerts: Track upcoming and overdue maturities with system push notifications. • WhatsApp Payment Reminders: Send pre-formatted reminders with full principal, interest, and due breakdown in one tap. 🔒 MULTI-LAYER SECURITY & DATA CONTROL • Biometric & PIN Lock: Secure access with Fingerprint/Face unlock, 4-digit PIN, and Security Question protection. • Encrypted Auto & Manual Backups: Automatic local backups plus AES-encrypted manual backups to Drive or WhatsApp. • Smart Archive (Split Closed Loans): Move settled/zero-balance records to an external archive to keep your app fast. • Bulk Contact Import/Export: Seamlessly import/export party contacts via Phonebook, CSV, or Excel. • Multi-Currency & Custom Branding: Personalize with your business avatar, firm name, and any global currency symbol. 👨‍💼 IDEAL FOR: Micro-Finance Firms, Moneylenders, Jewellers & Pawn Brokers (Girvi), Auto Financiers, Wholesalers, Shopkeepers, Financial Consultants, and Individuals. Download Interest Book AG Pro today and run your complete finance operations with banking-level accuracy!

Welcome to the All-New Interest Book AG Pro Version : 3.0 : • Complete Corporate UI Makeover: Sleek light theme, monochrome line-art icons, and dynamic Lending/Borrowing colour cues. & fixed Dark Mode Issue • Flexible Quarterly Plan Added! • Added manual Date field in Calendar Date Picker. • Enhanced Features: Refined Multi-Part Loan, FIFO EMI knock-off, Pre-closure & all Reports.