Udhar Khata App: Track Customer Credit on Mobile
*Last updated: 10 October 2026.*
Quick answer
An udhar khata app is a mobile app that keeps the account of every customer who buys on credit: what they owe, what they paid, and when. It replaces the paper notebook, so you never lose a page or forget a name. For a shop, the best way is to link the udhar entry to a real bill, so the customer and you both know what the amount is for.
Get Udyog on Google Play or start on the web. There is a 14-day free trial.
Why the paper khata causes trouble
- •Pages get lost, torn or wet.
- •Names and amounts get mixed up when you are busy.
- •You do not know the total that is pending today.
- •Customers dispute the amount, and you have no bill to show.
- •You forget to ask for money at the right time.
What a good udhar khata app should do
- •Keep one account for each customer, with their name and phone number.
- •Record each credit sale and each payment, with the date.
- •Show what each customer owes right now, and the total pending for the shop.
- •Link the entry to a bill, so the amount is clear.
- •Help you send a reminder to the customer.
- •Work on your phone, so you can use it at the counter.
How to track udhar step by step
- 1Add the customer once, with the name and phone number.
- 2Make the bill. If the customer does not pay in full, keep the remaining amount as pending.
- 3When the customer pays, record the payment against that customer.
- 4Check the pending list every few days.
- 5Send a polite reminder on WhatsApp to customers whose payment is late.
Tips to get paid on time
- •Agree on a due date when you give credit. Write it on the bill.
- •Send the bill on WhatsApp right away, so there is a record.
- •Remind early and politely. Do not wait for months.
- •Give a credit limit for each customer, and stop new credit when it is crossed.
- •Keep a record of every part payment.
- •For bigger amounts, read our guide on recovering outstanding payments.
Khata app vs billing app
A simple khata app only records money in and money out. A billing app also makes the GST bill, keeps your items and HSN codes, and keeps the bill and the amount owed together. If you sell on credit and also need proper bills, one app for both saves time. Read Mobile se GST bill kaise banaye and Best billing app for small shops.
Common mistakes
- •Giving credit without writing the amount and the date.
- •Not making a bill for a credit sale.
- •Keeping khata in one place and bills in another, so the two never match.
- •Not following up, so old dues become hard to recover.
- •Giving more credit to a customer who has not paid the earlier one.
Keep your bills and dues together
In Udyog, you can keep each customer with their bills in one place, search by customer and date, and share bills on WhatsApp. That makes it easier to see who owes what.
Download Udyog on Google Play or open it on the web. See the Udyog pricing page for plans after your 14-day free trial.
*This post is for general information. Check the latest rules or ask your CA for tax questions.*
Frequently asked questions
Quick answers to common questions.
What is an udhar khata app?
An udhar khata app is a mobile app that records the money your customers owe you when they buy on credit.
Is a khata app better than a notebook?
Yes, for most shops. An app does not lose pages, shows the total pending and lets you send reminders.
Can I send payment reminders from the app?
Many apps let you send a reminder on WhatsApp. Check what your app offers.
Should I make a bill for a credit sale?
Yes. A bill shows the amount, the date and the items, and avoids disputes.
How do I recover old udhar?
Send a polite reminder with the bill, agree on a date to pay, and take part payments if the customer cannot pay in full.
Do I need GST for udhar khata?
No. Keeping a khata does not need GST. If you are GST-registered, your bills still need to be correct GST bills.