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Rent management without the chasing.

Your tenants get rent reminders on WhatsApp. They pay you on UPI, straight to your account. Every payment goes into a record they keep.

For owners with 1 to 20 flats. Not PGs.

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Free during beta. Your tenant doesn't need an app.

RentKarmaBusiness account

Monday

Hi Priya, your November rent is due on 5 Nov.

₹25,000 to Suresh Kulkarni
Flat 302, Sai Krupa Residency, HSR Layout

Pay on UPI, then send the screenshot here.

9:00 am
7:42 pm

Recorded ₹25,000 for Nov.

UTR 430918276612. Paid on 3 Nov, before the due date, so this month is on time.

Suresh has been told. No need to send anything else.

7:42 pm

You shouldn't have to ask for rent every month.

  • "Sir, will send by evening."

    It's the 9th. You've sent three polite reminders and got blue ticks on all of them. Now you're the bad guy for asking a fourth time.

  • "Check, I sent the screenshot."

    A screenshot is not money. Fake UPI screenshot apps are one search away. The only proof is the credit in your own bank, and you're checking that by hand.

  • "I paid on the 3rd."

    You remember the 12th. Neither of you has a record, so it turns into an argument. When they move out, the same fight happens over the deposit.

How it works

  1. Add your tenant

    Name, phone number, rent, due date and your UPI ID. They get an invite on WhatsApp and reply YES.

  2. They get reminders and pay you on UPI

    A reminder 3 days before the due date, on the day, and after if it's still unpaid. Each one has a UPI link to your ID. The money goes to you, not to us.

  3. They reply with the screenshot. It's recorded.

    We read the amount, date and UTR, mark the month, and send you a message with the details. You don't have to do anything.

Every month, on the record

Each payment colours a month. Your tenant sees the same record you do, and it stays with them when they move.

On time
Paid by the due date plus grace days.
Delayed
Paid late, but before the next month's rent was due.
Missed
Still not paid when the next month's rent came due.
Disputed
The owner says it didn't arrive. Grey until it's sorted.

A tenant who pays on time for a year has something to show the next owner. That's the reason they'll reply with the screenshot.

Priya Nair

Flat 302, Sai Krupa Residency, HSR Layout, Bengaluru

Tracking since 2 Dec 2025, when Priya replied YES

  1. Dec 25Paid 4 DecOn time
  2. Jan 26Paid 3 JanOn time
  3. Feb 26Paid 14 FebDelayed
  4. Mar 26Paid 5 MarOn time
  5. Apr 26Paid 2 AprOn time
  6. May 26Paid 6 MayOn time
  7. Jun 26Paid 4 JunOn time
  8. Jul 26Paid 1 JulOn time
  9. Aug 26Not paidMissed
  10. Sep 26Paid 19 SepDelayed
  11. Oct 26Under disputeDisputed
  12. Nov 26Paid 3 NovOn time
  • 8 on time
  • 2 delayed
  • 1 missed
  • 1 disputed

October, ₹25,000

Suresh says this did not reach him. Priya added her bank statement on 9 Oct. The month stays grey until Suresh checks and closes it.

All your flats on one screen

See who has paid this month and who hasn't, without scrolling through five WhatsApp chats.

  • A message on WhatsApp for every payment, with the amount and UTR.
  • One list of who is still unpaid, the day after rent is due.
  • One "everyone has paid" message when the month is done.
  • Repair requests and move-out notices, with the date they were sent.

Suresh's flats

November: 2 of 5 paid. Next due 5 Nov.

FlatJunJulAugSepOctNov
HSR 302Priya NairJun: On timeJul: On timeAug: MissedSep: DelayedOct: DisputedNov: On time
HSR 104Arjun MehtaJun: On timeJul: On timeAug: On timeSep: On timeOct: On timeNov: On time
Baner B-1203Farhan ShaikhJun: On timeJul: DelayedAug: On timeSep: On timeOct: On timeNov: Due 5 Nov
Baner B-704Divya RaoJun: DelayedJul: On timeAug: On timeSep: On timeOct: DelayedNov: Due 5 Nov
Kothrud A-12Karthik S.Jun: Before tenant joinedJul: Before tenant joinedAug: Before tenant joinedSep: On timeOct: On timeNov: Due 5 Nov
  • On time
  • Delayed
  • Missed
  • Disputed
  • Due

Recent payments

  • Priya Nair HSR 302Nov rent, 3 Nov, 7:41 pmUPI, UTR ...6612₹25,000Dispute by 10 Nov
  • Arjun Mehta HSR 104Nov rent, 2 Nov, 10:15 amUPI, UTR ...0458₹32,000Dispute by 9 Nov
  • Divya Rao Baner B-704Oct rent, 14 Oct, 8:02 pmUPI, UTR ...7731₹18,500Locked
  • Farhan Shaikh Baner B-1203Oct rent, 4 Oct, 6:30 pmCash, receipt photo₹22,000Locked

Fair to you and fair to your tenant

A record only works if both sides trust it. So the rules are fixed, and they're the same for both of you.

You get 7 days to dispute

A payment counts the moment your tenant records it. If the money never reached your account, dispute it within 7 days. After that it's locked.

A dispute is never shown as red

While a dispute is open, the month is grey. Your tenant can add proof. You close it: received after all, or not received.

History starts when they say YES

Nothing is tracked until your tenant accepts the invite. You can't add old months, so no one gets a record they never agreed to.

Free during beta. After that, ₹49 per flat per month.

Never a % of your rent.

What it costs on a ₹25,000 rent, every month

  • An app that takes 2% of rent₹500
  • An app that takes 1% of rent₹250
  • Card payment appsYour tenant pays a fee
  • RentKarma₹49

Same ₹49 whether the rent is ₹8,000 or ₹80,000. Your tenant pays on UPI, so there are no card fees.

Questions owners ask

Does RentKarma touch my money?

No. Your tenant pays you directly on UPI, to your own UPI ID. We never hold rent, and we never see your bank account. We only keep the record.

Does my tenant need to download an app?

No. Reminders, the UPI pay link and the screenshot reply all happen on WhatsApp. There is a web page they can open if they want to see their full record, but they never have to install anything.

What if my tenant pays in cash?

They mark it as paid in cash, and can add a photo of the receipt if you gave one. It shows in your list like any other payment, and you have 7 days to dispute it if the cash never reached you.

What if a screenshot is fake?

We read the UTR, amount, date and UPI ID off every screenshot. If the amount or the UPI ID does not match, or the same UTR was used before, we flag it for you. Always check your own bank or UPI app. If the money is not there, dispute it within 7 days.

What does my tenant see?

Their own record: every month in green, orange, red or grey, with the amount, date and UTR behind each one. They keep this record even after they move out. They do not see your other flats or other tenants.

Can I add old months from before my tenant joined?

No. History starts on the day your tenant replies YES to the invite. Nobody can fill in months before that, so the record stays something both of you agreed to.

Is it free?

Yes, during the beta. After that it is ₹49 per flat per month. Never a percentage of your rent, and no card fees for your tenant.

Is this for PGs and hostels?

No. RentKarma is built for people who rent out 1 to 20 flats, floors or rooms, with one tenant per lease. If you run a PG with beds and daily check-ins, there are better tools for that.

Let next month's rent reminder go out without you.

Add your first flat in a few minutes. Free during beta.

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