Every Indian has a story like this
This has happened to most of us
Which of these is yours?
Not one of these needed a lawyer. Each one needed something to point to. Tap the ones you recognise.
You’re in good company.
Pick the ones you know. We’ll show you what three minutes would have changed.
Why this matters to India
This isn’t paperwork. It’s the trust deficit — and India pays for it every day.
The country moves money in seconds. The promises behind that money still live in memory, on a handshake, in a WhatsApp thread nobody can find. When it breaks, the smaller person absorbs it — and trusts a little less next time.
crore+
cases pending in Indian courts — the only path most people know
in 10
Indian workers are informal — no appointment letter, no paper
₹lakh crore+
stuck in delayed payments to small businesses
crore
urban homes kept empty — owners afraid they won’t get them back
A ₹50,000 problem is not worth a ₹20,000 lawyer. So it goes unwritten, unsigned, unstamped — and unrecoverable. That is the gap Dharaa exists to close.
Sources: National Judicial Data Grid (5.05 crore pending across all courts at the last consolidated count; checked Sept 2026); Periodic Labour Force Survey, 2023–24; GAME / Dun & Bradstreet MSME delayed-payments study, 2022; Census 2011 vacant-housing count as cited in the Model Tenancy Act rationale. Figures rounded.
A first for India
Others sell documents to companies. Dharaa makes agreements hold — for people.
Five things that have always lived in five different offices, put into one journey on a phone — for a freelancer, a tenant, a shopkeeper, a family. Nobody in India has done that for an individual before.
How it holds
One thread. Five knots.
The knot is the agreement. Five loops of the same thread make it hold. Scroll — the thread ties itself.
Knot one
Draft
Say what’s happening in plain words. Dharaa writes it down as a proper paper — assembled from clauses lawyers have verified, never improvised.
Hindi or English. WhatsApp, app, or web. Three minutes, at the moment it’s happening.
I’m lending ₹50,000 to Rohan. He’ll return it by March. No interest.
Got it. Writing it down: ₹50,000 from you to Rohan, back by 31 March 2027, no interest, Delhi. Would you like it in monthly parts, or all at once?
All at once.
Done — your paper is ready to read. → Personal loan agreement
Knot two
Know
Both people prove who they are with Aadhaar. Not one party. Both. So there is never a “that wasn’t me”.
When more is at stake, add “Who signed” checks — PAN, court records, business registry — with their consent.
Optional · Who-signed checks: PAN ✓ · Court record — not run
Knot three
Stamp
The right stamp duty, for the right state, paid online and printed on the paper. No stamp-vendor queue, no wrong-state ₹100 paper.
Without it, a paper isn’t evidence until duty and penalty are paid. With it, it counts from day one.
Government rate, shown before you pay. Printed on page one.
Knot four
Sign
One warm screen. Both of you read the same plain-words summary, then sign with Aadhaar eSign — valid under the IT Act.
Nobody signs what they can’t read. Nobody signs for someone else.
Rohan borrows ₹50,000 from Priya on 1 Sep 2026. Returns it in full by 31 Mar 2027. No interest. If it’s late, they talk first; if that fails, mediation, then arbitration.
Knot five
Hold
If it goes wrong, there’s a path, not a queue. Every rupee and every message is on the record, and the paper already names institutional arbitration and mediation.
No reminders, no nagging. Just a record that’s there if it’s ever questioned.
- 1 Sep · ₹50,000 given · UPI ref noted
- 5 Dec · ₹20,000 received early · recorded by Priya
- 31 Mar · ₹30,000 due · both were told the same date
- If it slips: talk → mediation → arbitration. Named in the paper.
You’re covered.
The money, the date, and who promised what — written, known, stamped, signed, held.
So this stays a friendship, not a follow-up.
Built for the people nobody built this for
What are you securing?
Get paid for the work you did.
Scope, dates, advance, and what happens if the client goes quiet — before you open Figma.
→ Service agreement · Invoice · Demand noticeTenants & landlordsGet the deposit back. Get the flat back.
Both fears, one paper. Stamped for your state, signed by both, with the handover written down.
→ Rent agreement · Handover · Deposit receiptShopkeepers & MSMEs“Next month” gets a date.
Supplier credit, dealer terms, the staff you hired on a phone call — each one written, each one held.
→ Supply agreement · Credit terms · Appointment letterFamiliesKeep the family a family.
The loan to a cousin, the gift to a daughter, the settlement between brothers — written warmly, held firmly.
→ Loan · Gift deed · Family settlementKnot five · Dharaa Resolve
And if it goes wrong — there’s a path, not a queue.
Every Dharaa paper names Dharaa Resolve: mediation, then arbitration — online, through independent dispute-resolution institutions. From your phone, in weeks. Not a court date years away.
Say it’s slipped.
From the paper’s own record. The other side sees the same paper, the same dates, the same money trail. Most things end right here.
Mediate — online, in weeks.
A neutral mediator from the institution gets both of you on a call. No lawyer needed, no travel. What you agree is written back into the record.
Arbitrate — online, decided.
If mediation doesn’t settle it, an arbitrator hears both sides online and gives a decision — an award.
It’s enforceable.
An arbitral award is enforced like a decree of the court (Arbitration & Conciliation Act, 1996). You don’t start a case. You finish one.
- Day 0 · ₹30,000 slipped past 31 Mar · raised from the record
- Day 2 · Rohan replied — asks to pay in three parts
- Day 11 · Mediation call · 40 minutes · online
- Day 14 · Settled: ₹30,000 in three parts · written into the record
| The court queue | Dharaa Resolve | |
|---|---|---|
| How long | Years. 5 crore+ cases are already waiting. | Weeks. Mediation first; arbitration if it must. |
| Where | Hearings, adjournments, travel. | Your phone. Online, at a time both of you pick. |
| What it costs | A lawyer — often more than the money at stake. | Fees shown upfront, before anything starts. |
| How it ends | Another date. | An agreement you both sign — or an award courts enforce. |
Why the paper walks in ready
Because it’s stamped,
it counts as evidence from day one — not after duty and penalty.
Because it’s eSigned with Aadhaar,
the signatures hold under the IT Act 2000.
Because both of you were verified,
there is no “that wasn’t me”, and no cousin signing for anyone.
Because the paper names the path,
you start with mediation and institutional arbitration — not a court date years away.
Dharaa gives guidance in plain words, not legal advice. For anything large or complicated, a qualified professional should read it before you sign — we’ll help you find one.
Whatever you’re about to shake hands on — tie it up first.
Three minutes now. Peace of mind for as long as it matters.
Free to draft and preview · Pay only when you send for signing
Android and iOS apps are on the way
Dharaa runs in your browser today. Leave your email and we will tell you the day the mobile apps land — same account, same documents.