Best Digital Bahi Khata & Udhar Ledger App | OkCredit
OkCredit Simple · Paperless · Secure
1 CRORE+ The udhar khata app India's shopkeepers trust

Digital Udhar Bahi Khata App Record the credit.
Send a reminder.
Get paid.

★★★★★ 4.6 Loved by 1 crore+ shopkeepers on Google Play

Your shop's udhar khata now lives on your phone — every credit and payment entry 100% safe and secure. Automatic payment reminders get you paid 3× faster. Free, forever.

1Record
2Remind
3Collect
1 Cr+App downloads
4.6★Google Play rating
2,800+Cities across India
11Indian languages
Powerful Features

Everything you need to run your khata

From a paper bahi khata to digital in 10 seconds. Everything a shop needs to manage credit — all free.

Automatic payment reminders

Every outstanding balance triggers an automatic SMS reminder to your customer — and one tap sends a WhatsApp reminder carrying a payment link. Money comes back without you having to ask.

Instant UPI payment by QR

Your customer scans the QR in the reminder and pays instantly through GPay, PhonePe, BHIM or Paytm. The payment posts to their khata automatically.

अA

Available in 11 languages

English, Hindi, Hinglish, Marathi, Gujarati, Bengali, Telugu, Tamil, Kannada, Malayalam and Punjabi — keep your khata in the language your business speaks.

100% safe and secure

Every entry is backed up online. Lose or change your phone, log in, and your complete khata is back. Entries stay between you and the customer concerned.

Reports and statements

A full account statement for any customer, a monthly collection report and account summaries — download as PDF and share directly.

₹0

Free, forever

Unlimited customers, unlimited entries, reminders and backup — all completely free. No hidden charges.

Getting Started Is Easy

Set up in 2 minutes, no accounting knowledge needed

No training, no accountant. Exactly how you kept the paper khata — just digital.

STEP 1

Download the app

Free on Google Play or the App Store. Log in with just your mobile number — no forms, no documents.

STEP 2

Add your customers

Add customers straight from your phone contacts. They don't need the app — they get their balance by SMS.

STEP 3

Write your first entry

Credit given or payment received — enter the amount and you're done. The app handles the rest: backup, reminders and running balances.

✓ Works offline too ✓ 24/7 WhatsApp support ✓ Personal udhar khata — for friends and family as well ✓ Download & share PDF statements
For Every Business

OkCredit is built for your business

From kirana to jewellery — wherever credit is given, OkCredit works. Shopkeepers across 50+ business categories in India record their khata on OkCredit every day.

Kirana & General Store

Daily credit for the households you serve. One tap at month-end sends every customer a reminder — the most popular khata app for kirana stores.

Mobile & Accessories

Accurate records for recharge, repair and accessory credit, large or small. Ten-second entry built for the pace of a mobile shop.

Electronics & Appliances

Due dates and automatic reminders on high-value credit. EMI-style instalments tracked on a single customer page.

Medical & Pharmacy

A month's medicines for your regular patients, tracked cleanly. Private and secure — each customer's account is shared only with them.

Garments & Footwear

The long credit lists of season and wedding months, now on your phone. See customer-wise balances and collect 3× faster.

Jewellery

Large amounts and long relationships — both handled. A digital record of every transaction with date, note and automatic confirmation SMS.

Hardware & Building Material

A clean record of running credit for contractors and masons. Every delivery logged with site-wise notes, every payment evidenced.

Dairy & Milk Supply

Daily milk, monthly accounts. Daily entries in seconds, and a single reminder to every customer on the first of the month.

Wholesale & Distribution

Goods to retailers on credit — with your supplier ledger alongside. Money owed and money due in one app, with PDF statements.

…and 50+ business categories — auto parts, salons, tailors, stationery, vegetables, restaurants and many more.

Across India

OkCredit, in 2,800+ cities

From Kashmir to Kanyakumari — in every state, every city, every street-corner shop, OkCredit keeps the khata.

TOP STATE
Taj Mahal, Agra

Udhar khata app in Uttar Pradesh

UP is one of OkCredit's largest states. From the kirana stores of Lucknow to the garment bazaars of Kanpur and the lanes of Varanasi — UP shopkeepers record lakhs of entries on OkCredit every day, in Hindi and Hinglish.

Lucknow Kanpur Varanasi Agra Meerut Gorakhpur Prayagraj
TOP STATE
The bazaar in front of Hawa Mahal, Jaipur

Udhar khata app in Rajasthan

The jewellery bazaars of Jaipur, the handicraft exporters of Jodhpur and the hostel-side kirana stores of Kota — Rajasthan's traders keep their credit accounts on OkCredit, in place of the old bahi khata.

Jaipur Jodhpur Udaipur Kota Bikaner Ajmer Alwar
Trusted by shopkeepers in these states too: Maharashtra Bihar Madhya Pradesh Gujarat West Bengal Delhi NCR Punjab Haryana Karnataka Tamil Nadu Telangana Odisha
Loved By Shopkeepers

What people who use OkCredit say

★★★★★
"Using the app from past 2 years. Very much useful to us. Best thing is avoiding papers and pens and calculators for to track the credits given to the customers and sending reminders to them."
N
N S N Murthy NagubandiGoogle Play · Feb 2025 · 142 logon ko helpful laga
★★★★★
"It's super easy to use, helps me keep track of my customers' payments, and saves me a lot of time. I love how everything is organized and I get reminders for pending payments. Highly recommended for small business owners."
S
ShivamGoogle Play · Jun 2025 · 116 logon ko helpful laga
★★★★★
"Excellent app for shopkeepers and small businesses! Okay Credit has made it super easy to manage my daily transactions. No paperwork, no hassle — everything is recorded safely on my phone. It's fast, reliable, and 100% free. A must-have app for every small business owner."
I
Indian Fast UnlockGoogle Play · Jul 2025 · 119 logon ko helpful laga
★★★★★
"Ye app bahot hi badiya he mujhe ab bill book dekhne ki jarurat hi nahi padti jisne jaha hisab pucha wahi bata diya."
S
Shubham SinghGoogle Play · Jun 2026
★★★★★
"Okcredit is amazing app for credit transactions of business. It is very easy to use and absolutely free. Working very smoothly without any errors and hurdle. Customer queries get solved very quickly and accurately."
J
Jitendra KumawatGoogle Play · Sep 2020 · 25 logon ko helpful laga
★★★★★
"OkCredit is your online ledger/khata book to keep customer dues balances after sales on credit. Its WhatsApp like simple interface and experience makes it very easy to track credit (उधार) account balances for shop owners and also sends a balance alerts to the customers."
M
Meraj KhanGoogle Play · Jul 2020 · 5 logon ko helpful laga
★★★★★
"OkCredit is Excellent Application for My Small Scale Business. It is very easy to use and understand also."
C
Chetan ShahareGoogle Play · Jun 2026
★★★★★
"One of the best Credit App i've ever seen till date... Proper sms is sent when you add credit or advance in the name of customers. The most fabulous thing of OkCredit is its UI. You can use this app even you're illiterate."
R
Roman BerliGoogle Play · Aug 2020 · 6 logon ko helpful laga
★★★★★
"Best app for detailed bill payment given and taken with minimum cost. Also Web option given good experience."
K
Kuldeep JangraGoogle Play · Mar 2026
★★★★★
"Your hisab kitab book data is always available to you just a few taps away. Even if you lose your phone, just login with a verified phone number in the new phone to get the same data and settings."
S
Saguki GuruGoogle Play · Aug 2020
★★★★★
"Best app for genral use like house wife, salary person and also small buisness man, last 3 year use best app."
D
Dinesh PatelGoogle Play · Mar 2026
★★★★★
"Best Experience. It is a very good application, you can easily manage the money given on the loan thanks for this application."
V
Vishwajeet SinghGoogle Play · Feb 2026

These are real Google Play reviews — read them all, alongside 4 lakh+ ratings →

On YouTube

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Udhar Khata Guide

From the paper bahi khata to a digital khata

The same old khata, the same method — just without the register's problems.

The Old Way

Paper bahi khata

✕Register lost or soaked — the whole account gone
✕Arguments over an entry — the customer holds no proof
✕Remembering, yourself, to remind every single customer
✕Door-to-door rounds to collect, and awkward conversations
FREE
The New Way

OkCredit digital khata

✓Automatic online backup of every entry — change the phone, keep the khata
✓An SMS on every entry — solid proof, and no more arguments
✓Automatic payment reminders — nothing for you to remember
✓Instant UPI payment, recorded straight to the account — with defaulter tracking
उधार UDHAR · credit Goods or money given to a customer on credit — what is owed back to you
जमा JAMA · payment Payment received from a customer — against credit, or in advance
बही खाता BAHI KHATA · ledger book The traditional register in which a shop's dealings are recorded
हिसाब HISAAB · balance A single customer's net balance — how much is owed, and to whom

OkCredit is a free digital bahi khata and udhar ledger app — for India's shopkeepers, kirana stores and wholesalers, a complete replacement for the paper register. Start free and upgrade whenever you like: see Premium plans, read the FAQ, or get in touch.

Your Questions

Frequently asked questions

What is a bahi khata app?

A bahi khata app is the digital version of the traditional Indian account book (bahi khata) used by shopkeepers to record customer credit (udhar) and payments (jama). OkCredit replaces the paper register with a free app: every entry is saved securely online, customers get an automatic confirmation, and you can see who owes you money at any time.

Is OkCredit free to use?

Yes. The OkCredit Basic Plan is free — unlimited customers, unlimited entries, reminders and online backup. Premium plans add features like ad-free usage, multi-device access, GST billing, unlimited SMS reminders and priority support. See okcredit.in/pricing for details.

How does OkCredit help me collect udhar faster?

OkCredit sends automatic payment reminders to your customers, and you can send a WhatsApp reminder with a payment link in one tap — so you don’t have to ask for money in person. Customers can pay instantly through UPI (GPay, PhonePe, BHIM, Paytm), and the payment is recorded in your khata automatically.

Which businesses use OkCredit?

OkCredit is used by 50+ business categories across India — kirana and general stores, mobile and accessories shops, electronics, medical stores and pharmacies, garments and footwear, jewellery, hardware, dairy and milk supply, wholesale and distribution, and many more. Any business that sells on credit can manage its udhar khata with OkCredit.

Where in India is OkCredit used?

OkCredit is used in 2,800+ cities across India, with strong adoption in Uttar Pradesh (Lucknow, Kanpur, Varanasi, Agra), Rajasthan (Jaipur, Jodhpur, Udaipur, Kota), Maharashtra, Bihar, Madhya Pradesh, Gujarat, West Bengal, Delhi NCR and more. The app works in 11 Indian languages, so it fits businesses in every region.

Is my khata data safe in OkCredit?

Yes. Your data is backed up online and on your device, so even if you lose or change your phone, you can log in and recover your complete khata. Entries cannot be seen by anyone except you and the customer concerned.

Does OkCredit work offline?

Yes. OkCredit works even without an internet connection, so you can add credit and payment entries in areas with poor connectivity. Your entries sync and back up automatically when your phone comes back online.

Can I use OkCredit on my computer?

Yes. Besides the Android and iOS apps, you can manage your ledger from any browser at web.okcredit.in — useful for shop counters with a desktop or laptop.

Make your shop's khata digital today

Set up in 2 minutes. Completely free. Join 1 crore+ shopkeepers.

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