Your rent, your ledger · আপনার ভাড়া, আপনার খাতা
Bangladesh’s Bangla-first digital rent ledger — landlords invoice, collect and verify tenants in one app, replacing the paper খাতা.
The operating system for the Bangladeshi rental market.
Billions in rent move on paper, WhatsApp and bKash screenshots.
The typical Dhaka landlord — 1 to 30 units in one building — runs it all on a paper khata. No receipts, no lease, no proof.
Sources BBS Census 2022 (DSCC key features) · BIGD via The Daily Star · IJRISS 2025 · Dhaka Tribune / CAB, 26 Apr 2026 · The Business Standard, 24 Oct 2021. Rent-flow figure is our estimate — no official aggregate exists.
In 2016 the state made landlords responsible for knowing their tenants — and handed them a paper form.
Dhaka police made tenant registration mandatory. Landlords who skip it can be arrested. The form collects NID, photo, workplace, family — and verifies none of it.
The gap is the product
The government’s instant NID API has run since 2019 — banks use it daily. It has never been connected to tenant registration.
Holey Artisan attack. The attackers lived in rented flats; their landlords were arrested.
Kalyanpur "Jahaj Bari" raid — nine militants on a rented floor; the owner’s family remanded.
DMP launches CIMS tenant registration — a paper form, self-declared.
Government NID API launched. Banks adopt it. Never wired to CIMS.
Subrata Bain, top-23 most-wanted, found after six weeks in a rented flat.
Pallabi child murder by an unscreened sublet tenant. Nationwide protests.
DMP again urges every landlord to register — 3.67M households on file.
Sources The Daily Star · The Asian Age · IRB Canada BGD200088.E · Dhaka Tribune (2016, 2019) · BSS 26 Jul 2026 · Prothom Alo 27 May 2025 · full URLs in the data room.
One Bangla-first app for everyone in the building — landlord, tenant, caretaker, guard.
The daily habit is free — invoices, payment proof, chat, the police form. We charge for two things: fear (verifying a stranger) and scale (more than four tenants).
Rent ledger & bilingual invoices
Monthly invoices, Bangla PDFs, arrears, meter readings.
Payment proof with approval queue
Tenant uploads the bKash screenshot; landlord approves; receipt kept forever.
NID + selfie KYC
Government ID + liveness match. They store photos; we verify people.
One-tap DMP police form
The mandatory police form, pre-filled from verified data.
Chuktinama with OTP witnesses
Digital lease, legal notices, salami / jamanat deposits.
Bronze → Platinum trust badges
Portable verification a tenant carries to the next landlord. Ships with paid plans.
"Live" = in Google Play release 1.0.18, repo-verified 24 Aug 2026 · also in production: admin panel, website, QR site · iOS Q3 2026.
This is the app on Google Play today — not a mock-up.
Owner and tenant see the same ledger from two sides. Real captures from the shipped build.
- One tap generates every invoice for the month.
- bKash proof in, approval out, receipt forever.
- Deposits tracked by their real names — salami, jamanat, advance.
- Rating & on-time streak — the seed of portable rental history.
Release build, Android emulator, demo account, Jul 2026 · the আ toggle switches the whole app to Bangla · Play Store 1.0.18.
Every rail we need was built by someone else. Nobody connected them.
The landlord already has a smartphone with bKash on it. The police already require registration. The identity API already exists.
Sources BTRC via BSS, 2 Aug 2026 · DataReportal / GSMA 2026 · GSMA via TelecomTV 2025 · Bangladesh Bank MFS data · Bonik Barta 7 Jun 2026 · BSS 26 Jul 2026.
The full rental lifecycle, in production, in Bangla.
Not a prototype. Built and shipped by the CEO in 18 months on ৳0 outside capital. Counts measured from the codebase.
| Stage | What the app does | Who |
|---|---|---|
| Verify | OTP → NID → selfie liveness → landlord reference → DMP form | Owner · Tenant |
| Lease | Bangla chuktinama, e-signed with OTP witnesses | Owner · Tenant |
| Invoice | Auto invoices: rent, utilities, recurring charges, meters | Owner · Caretaker |
| Collect | bKash / Nagad / cash proof → approval → receipt; reminders | Tenant · Owner |
| Operate | Workorders, expense P&L, gate passes, chat | All four roles |
| Exit | Notice, deposit refund, portable rental history | Owner · Tenant |
Stack Flutter · Supabase (Postgres, row-level security) · Next.js admin · Didit KYC · Android 1.0.18+24 · not yet shipped: badge tiers, web checkout, bulk SMS — all "launching".
No official rent-flow number exists. So we derive it from the census — and show the work.
Sources BBS Census 2022 (DSCC key features; DNCC via Prothom Alo) · UN DESA WUP 2025 · Numbeo Dhaka, Aug 2026 · The Business Standard 2021.
Free up to four tenants, forever. Then a cup of tea per tenant per month.
এক কাপ চায়ের দামে এক ভাড়াটিয়ার পুরো মাসের হিসাব — a tenant’s month of bookkeeping for the price of a cup of tea. The owner pays; the tenant never does.
500 paying landlords ≈ ৳1.65 lakh / month
Subscriptions ≈ ৳1.4 lakh + verification checks; gross margin ≥70%. Subscriptions are the retention proof — the program is priced for the verification and payments layers.
Unit economics — assumptions, not data
CAC ≈ ৳4,200 · gross profit ≈ ৳230 / landlord / month · payback ≈ 18 months · 5-year landlord ≈ 3.3× CAC. The pilot’s first job: measure real CAC and retention.
| Tenants | Plan | Monthly | Annual |
|---|---|---|---|
| 1–4 | খাতা · Free | ৳0 | ৳0 |
| 5–10 | Standard | ৳200 | ৳2,000 |
| 11–20 | Plus | ৳350 | ৳3,500 |
| 21–30 | Pro | ৳500 | ৳5,000 |
| 31+ | Pro+ | ৳500 + ৳150 / extra 10 | 10× monthly |
| Verification check | What it adds | Price |
|---|---|---|
| Bronze | Phone OTP | Free |
| Silver | + NID verification | ৳50 |
| Gold | + selfie liveness match | ৳150 |
| Platinum | + previous-landlord reference + DMP form filed | ৳300 |
| Business tiers | + trade-license check (shops, offices) | ৳250–400 |
Revenue layers: subscriptions → verification checks → payments take-rate (Year 2, after pentest) → marketplace. One bad tenant costs a month’s rent (৳15,000+); a check costs under a tenth of that. Pricing designed and gated — not yet live.
The real competitor is paper. The only digital rival has no app, no lease and no tenant account.
No funded local competitor: zero BD proptech deals in 2023–24; Bproperty collapsed in 2025. Abroad the category is proven — NoBroker ~US$1B, TurboTenant 700,000+ landlords.
Where BariWala wins today — said plainly
Better staff permissions, a desktop surface, and a working checkout — ours is not built yet. Better you hear it from us.
| Capability | Paper khata | BariWala | BharaKhata |
|---|---|---|---|
| Tenant has an account | No | No — tenants are rows | Yes — verification, history, badges |
| Native mobile app | — | Web only | Android live · iOS Q3 |
| Identity verification | None | Stores photos | NID + selfie liveness |
| Lease / chuktinama | Paper, if any | No lease entity | E-signed, OTP witnesses |
| DMP police form | By hand | No | One tap, pre-filled |
| Communication | Paid SMS only | Free chat + push | |
| Pricing | Free | Per room, count locked at purchase | Free ≤4 tenants; slabs, no lock-in |
| Staff permissions · desktop | — | Strong | Basic · mobile only |
Sources BariWala teardown, Jul 2026 · LightCastle Partners deal data · NoBroker Series E 2021 · TurboTenant / LLR Partners 2024. Western tools: wrong language, US$1.50+/unit, no bKash.
৳0revenue — by design. Monetization is switched off until a published retention gate passes.
We refuse to fake it. What we can show: a production platform, a pilot underway, and a rule that turns pricing on only after landlords come back for a second month.
Android on Google Play
Release 1.0.18 · admin panel · website — all in production.
Pilot buildings onboarding in Dhaka
Everything free during the pilot; the metric is usage, not vanity.
100+ homeowner interviews
Owners say they will pay — validation, not revenue.
18 months, ৳0 raised
Entire platform built solo by the CEO, fully bootstrapped.
Launch gates — pricing goes live only in this order
- Website truth clean-up
- 10 active landlords through one invoice cycle
- 50 organic landlords, 3 real testimonials
- Retention gate: ≥60% complete a second cycle
- Paid plans live — Founding 100 first
- Paid ads only after 10 paying customers
Risks we name: engineering is one person (first hires fix it) · landlords 50+ are won by ground game, not ads · if bKash ships rent collection, leases, verification and history are what an MFS will never build.
Nobody installs an ecosystem. They install the app that solves this month's problem.
| When | Milestone | What it unlocks |
|---|---|---|
| Now | Dhaka pilot buildings; everything free | Retention proof — the 60% second-cycle gate |
| Month 6 | 50 organic landlords · paid plans go live | ৳200–500 slabs, Founding-100 offer |
| Month 12 | 500 paying landlords · ~15,000 units · iOS live | ≈ ৳1.65 lakh/month recurring; referral engine; Tranche-2 gate |
| Month 18 | Chattogram expansion | Second-city playbook; market-committee B2B tier |
| Month 24 | 2,500 paying · ~৳1.2 Cr run-rate | Series-A ready; payments layer begins after external pentest |
| Year 2–3 | Payments rails · marketplace · 8,000 paying / 150,000 units by Year 3 | Take-rate on the rent flow — ~৳4.7 Cr Year-3 path |
| Beyond | Multi-owner buildings, property managers | Pakistan, Nepal, West Bengal — same-shape markets |
Series A at Month 24 → regional proptech / fintech consolidation (NoBroker precedent) → strategic buyers: MFS operators, banks, telcos, developers. Tranche 1 is angel-sized and closes before the retention gate; Tranche 2 is priced on the Month-12 proof.
Targets, not history · Year 3 assumes a Series A and a 0.75% payments take-rate · the raise funds the first five rows; its gates are the Month-6 and Month-12 milestones.
Two co-founders. One built the whole platform; the other opens the doors.
75 / 25, no SAFEs or notes outstanding. The named risk: engineering is one person — the first money hires two engineers and three field agents.
MD Shofiul Islam Bayzied
CO-FOUNDER · CEO & CTO · 75%11 years in tech — 7 building apps and websites for clients in the US, Canada and the UK, the last 4 working with AI. The vision behind BharaKhata — and the engineer who built and shipped the entire platform solo in 18 months.
Fatequr Rahman Peyash
CO-FOUNDER · CMO · 25%The people person. Opens the doors — landlords, committees, banks, partners — runs marketing and the field operation, and ran the 100+ homeowner interviews. His ground work plus the CEO’s vision is how this technology reached reality.
2 engineers
Flutter + backend, ৳60k/month each.
3 ward agents
Ground game under the CMO — how landlords aged 50+ are won.
BharaKhata Ltd. · Ventura Iconia (Level 3), Holding 37, Road 11, Block H, Banani, Dhaka 1213. Founder backgrounds as stated by the founders, 31 Aug 2026. Vesting schedule to be stated at term-sheet stage.
৳70 lakh≈ US$57,000 · Year 1 of a ৳5 crore (≈ US$408k) program. The balance is released only on proof.
Only 14% of the program before traction is proven. Burn ≈ ৳5.8 lakh/month.
Tranche 2 · ৳4.3 crore · ~Month 12
Released only if ≥60% of pilot landlords complete a second invoice cycle and paid plans are live. Miss the gate — the balance is not drawn. T1 = angels; T2 = Startup Bangladesh Ltd and VCs.
Structure: milestone-tranched priced equity or convertible preference shares (what Bangladesh Angels Network uses). SAFE only via an offshore holdco.
Year-1 use of funds · ৳70,00,000
Year 2 (৳4.3 crore, coarse by design): team ৳1.8cr · marketing ৳80L · Chattogram ৳60L · payments + licensing ৳40L · infra ৳30L · legal ৳15L · contingency ৳25L.
Context BD startups raised US$41M (2024), US$124M (2025) — LightCastle · angel checks US$50–200K; Startup Bangladesh Ltd ৳2–5 crore; Anchorless US$200K–1M · ৳400 crore Fund of Funds, Aug 2026 · iDEA grant ≤৳10 lakh applied in parallel.
We audit ourselves, publish the findings to investors, and budget the fixes.
A verification product that hides its own security has no business selling trust. Two self-audits in 2026. No unauthenticated access path found; money paths and admin fail closed.
Still open — and tracked
Credential rotation · one staged policy migration · old backend retirement · deployment latency. All funded. The external pentest gates the payments layer — no rent money moves through us until a third party has tried to break it.
Full audit reports and the open-findings register are in the data room under NDA.
ভাড়াখাতা আছে?
The way "bKash আছে?" became the market's question — every taka tracked, every tenant verified, every lease digital.
Every number here is sourced on its slide; full citations, pricing document, cap table and audit reports on request. Nothing here is a placeholder.