Your account was created by a Bazaar Trust administrator — there is no public sign-up. Use the credentials given to you at onboarding.

आपका खाता बाज़ार ट्रस्ट के एडमिन द्वारा बनाया गया है — इसमें कोई सार्वजनिक साइन-अप नहीं है। ऑनबोर्डिंग के समय आपको दिए गए लॉगिन विवरण का उपयोग करें।

To sign in साइन इन कैसे करें

1. Open the Bazaar Trust portal in your browser and go to the Lender sign in screen.
2. Enter the email address or mobile number your administrator registered for you.
3. Enter your portal password and select Authenticate & sync ledger.
4. You'll stay signed in on this device for up to 30 days, or until you sign out.

Changing your password yourself खुद अपना पासवर्ड बदलना

1. Open the Profile menu and select the Lender Details tab.
2. Scroll down to Update Access Password.
3. Enter your current portal password, then a new password (minimum 6 characters), and confirm it.
4. Select Change Password — you'll stay signed in, and use the new password next time.

The Ledger tab opens to four running totals for your book, refreshed every time you sign in.

लेजर टैब खुलते ही आपके व्यवसाय के चार मुख्य आँकड़े दिखते हैं, जो हर बार साइन इन करने पर अपडेट होते हैं।

Below the tiles, use the search box and risk filter to jump straight to a borrower, or select Onboard Borrower to add someone new (see the next section).

Every borrower gets one profile that follows them across every lender on Bazaar Trust — so it's worth checking before you create a new one.

हर उधारकर्ता की एक ही प्रोफ़ाइल होती है जो बाज़ार ट्रस्ट के सभी ऋणदाताओं के साथ जुड़ी रहती है — इसलिए नई प्रोफ़ाइल बनाने से पहले जाँच लेना बेहतर है।

Adding a new borrower नया उधारकर्ता जोड़ना

1. From the Ledger tab, select Onboard Borrower and fill in their name, phone, industry, state, and (optional) Aadhaar.
2. If the phone, name, or Aadhaar already matches someone in the network, Bazaar Trust will show you the existing profile instead of creating a duplicate — link to it rather than starting fresh.
3. Once saved, the borrower appears in your directory with a starting trust score of 75, which then moves with reviews and repayment history.

Reading the risk bands रिस्क बैंड को समझना

Open any borrower's card to see their full profile: contact details, active loans, EMI schedule, and every peer review they've received — from you and from other lenders.

Work out the numbers before you commit — then issue the loan straight from the same screen.

प्रतिबद्ध होने से पहले आँकड़े तैयार करें — फिर उसी स्क्रीन से सीधे ऋण जारी करें।

1. Enter the principal, flat interest rate, tenure (in months), and repayment frequency — weekly, biweekly, or monthly.
2. Add a start date and an internal memo describing the purpose of the loan; mark it secured if collateral is involved.
3. Select Calculate Schedule to see the EMI, total interest, total repayable, and the full installment-by-installment preview.
4. Happy with the terms? Choose the borrower from the dropdown and select Issue — the loan goes active immediately and the schedule is generated automatically.
5. Use Save as PDF for a printable agreement, or Send via WhatsApp to share the schedule with the borrower directly.

Open a borrower's next-due installment and select Record Payment to log how it was collected.

उधारकर्ता की अगली देय किस्त खोलें और यह दर्ज करने के लिए Record Payment चुनें कि भुगतान कैसे प्राप्त हुआ।

You can also record a partial payment — enter a custom amount and the shortfall rolls forward, adjusting the remaining installments so the schedule stays balanced.

Every installment has a one-tap reminder, drafted for you in English or Hindi.

हर किस्त के लिए एक-टैप रिमाइंडर उपलब्ध है, जो अंग्रेज़ी या हिंदी में पहले से तैयार होता है।

1. Open the installment and select Send Reminder.
2. Toggle the language — English or Hindi — and review the drafted message.
3. Dispatch it over WhatsApp, SMS, or Email, or select Call Borrower to open your dialer directly.

Every reminder — and every call placed — is logged to your Reminders outbox, so you always have a record of who you've followed up with and when.

Reviews you and other lenders leave for a borrower feed a single shared trust score — the same number for every lender, not just your firm. The Community Feed itself shows reviews for borrowers in your operating states, borrowers directly linked to you, and borrowers served by other lenders who share your operating states.

आप और अन्य ऋणदाता किसी उधारकर्ता के लिए जो रिव्यू देते हैं, वे एक साझा ट्रस्ट स्कोर बनाते हैं — जो हर ऋणदाता के लिए एक ही रहता है, सिर्फ़ आपकी फर्म के लिए नहीं। सामुदायिक फ़ीड में आपको उन उधारकर्ताओं के रिव्यू दिखते हैं जो आपके कार्यरत राज्यों में हैं, जो सीधे आपसे जुड़े हैं, या जिन्हें ऐसे अन्य ऋणदाता सेवा दे रहे हैं जिनके कार्यरत राज्य आपसे मेल खाते हैं।

How the score moves स्कोर कैसे बदलता है

• Starts at 75 for every new borrower.
• Reviews of 4.5★ or higher add points; reviews of 2.5★ or lower subtract more than that — poor experiences weigh heavier than good ones.
• Paying off a loan in full with no late installments adds points; a late installment or a written-off loan subtracts, with a write-off being the steepest single penalty.
• Always kept between 0 and 100.

After settling a loan, take a minute to leave an honest review — punctuality and responsiveness ratings, plus a short note. It's what makes the network worth trusting.

Three actions are available from a loan's card for situations beyond a normal EMI schedule.

सामान्य EMI शेड्यूल से अलग स्थितियों के लिए ऋण के कार्ड से तीन कार्रवाइयाँ उपलब्ध हैं।

A traditional double-entry ledger view of every transaction in your book — disbursals and repayments, side by side.

आपके व्यवसाय के हर लेन-देन का पारंपरिक डबल-एंट्री लेजर दृश्य — संवितरण और भुगतान, साथ-साथ।

• Debits — money you've lent out (loan disbursals).
• Credits — money that's come back in (EMI repayments).
• Every entry shows the 0.25% platform fee attached to that transaction.
• Filter by party name, transaction type, or free-text search to find any entry quickly.

Select Export CSV to download the filtered register as a spreadsheet — useful for your own bookkeeping or sharing with a co-lender or accountant.

Bazaar Trust charges 0.25% on your transaction volume — both loans disbursed and EMIs repaid — settled in cash on a running 14-day cycle.

बाज़ार ट्रस्ट आपके लेन-देन की राशि पर 0.25% शुल्क लेता है — दिए गए ऋण और चुकाई गई EMI दोनों पर — जिसे हर 14 दिन के चक्र में नकद में चुकाया जाता है।

1. Check your Billing tab any time to see fees owed for each period and your running total.
2. An overdue banner appears once a period passes its due date — this is a warning, not a lockout yet.
3. Settle dues in cash using the WhatsApp or phone contact shown on the Billing tab.
4. Your administrator marks the dues paid on their end once received, which clears the overdue status.

Your name, contact details, firm name, and operating states are all visible from the Profile menu — but read-only. Your login password is the one exception: change it yourself any time from the Lender Details tab (see Signing in & your account).

आपका नाम, संपर्क विवरण, फर्म का नाम, और कार्यरत राज्य — ये सभी Profile मेनू में दिखते हैं, लेकिन केवल पढ़ने के लिए हैं। इसका एक अपवाद है आपका लॉगिन पासवर्ड — इसे आप कभी भी Lender Details टैब से खुद बदल सकते हैं (देखें "साइन इन करना और आपका खाता")।

Need to update any of these, or add an operating state? These are made by an administrator on your behalf to keep the shared network's records consistent. For your password, use the self-service form under Lender Details — only contact your administrator if you've forgotten your current password entirely. Use the contact details on the next page.