Works fully offline
Add entries with no internet. Everything syncs automatically the moment you're back online.
Free udhaar khata app for India
Every rupee of udhaar, on record.
Replace your paper bahi-khata. Track credit for customers and suppliers, send WhatsApp reminders with a UPI QR, and get paid faster — even without internet.
- 100% free
- Works offline
- 11 Indian languages
- No ads
S
Sharma General Store
CustomersSuppliers
You will get
₹12,450
You will give
₹3,200
- RKRamesh KumarOverdue by 3 days₹4,250You will get
- SDSunita DeviToday₹1,800You will get
- ATAnil TradersDue in 5 days₹3,200You will give
- PSPriya SharmaYesterday₹6,400You will get
+ Add customer
Features
Everything your khata needs. Nothing it doesn't.
Built for kirana stores, wholesalers, service businesses and anyone who gives or takes udhaar.
WhatsApp & SMS reminders
Send polite payment reminders in one tap — to the customer's number, or any other number they choose.
UPI QR with amount
Every reminder carries a payment QR. Ask for the full amount, a part payment, or let them choose.
PDF statements & reports
Share a branded account statement with any customer, or a full balance report of everyone.
11 Indian languages
Hindi, Bengali, Marathi, Telugu, Tamil, Gujarati, Kannada, Malayalam, Punjabi, Odia and English.
PIN & fingerprint lock
Keep your khata private with a 4-digit PIN or fingerprint — even if someone picks up your phone.
Cloud + file backup
Automatic cloud backup to your Google account, plus a backup file you can save anywhere.
Your brand, your photos
Add your business logo to statements and QR cards, and photos to recognise customers instantly.
Get paid faster
Reminders that come with a way to pay
Most udhaar isn’t refused — it’s forgotten. Digital Udhaar sends a polite, branded payment request with your UPI QR, so paying back takes ten seconds.
- Request the full balance, half, or any custom amount
- Send to the saved number or a different one they pay from
- Show a full-screen QR at the counter for in-person payment
- Record the payment with one tap once it arrives
Hi Ramesh, this is a gentle reminder from Sharma General Store. Your pending balance is ₹4,250.
Scan the attached QR with any UPI app to pay.
Thank you!
10:42 AM ✓✓
How it works
Start in under a minute
- 1
Sign in with Google
No forms, no OTP waiting. Your data is linked to your Google account and backed up from day one.
- 2
Add customers & suppliers
Pick from contacts or type a name. Then tap “You gave” or “You got” — the balance updates itself.
- 3
Remind & collect
Send a WhatsApp reminder with a UPI QR. When they pay, record it with one tap.
Use the app in your language
- English
- हिन्दी
- বাংলা
- मराठी
- తెలుగు
- தமிழ்
- ગુજરાતી
- ಕನ್ನಡ
- മലയാളം
- ਪੰਜਾਬੀ
- ଓଡ଼ିଆ
Security & privacy
Your khata stays yours
We built Digital Udhaar the way we’d want our own business records handled.
Private by design
Your records are tied to your Google account only. We don't sell your data or show ads.
Locked on your phone
Protect the app with a PIN or fingerprint. It re-locks automatically when you step away.
You stay in control
Export a full backup file at any time, and delete your account and all data from Settings.
FAQ
Questions, answered
Is Digital Udhaar free?
Yes. Every feature is free today. If we add a Premium plan in future, your existing data and the core khata will stay free.
Does it work without internet?
Yes. You can add customers and entries completely offline. Changes are saved on your phone and sync to the cloud automatically when you reconnect.
Can my customers pay me directly?
Add your UPI ID in Settings and every reminder includes a UPI payment QR with the amount filled in. Money goes straight to your bank account — we never touch it.
What if a customer wants to pay only part of the amount?
Choose Full, Half or any custom amount before sending the reminder — or select “Any amount” so they can type what they want to pay.
What happens if I lose or change my phone?
Just sign in with the same Google account on your new phone. Your customers, suppliers and entries come back automatically.
Is my data safe?
Your data is linked only to your Google account and stored on Google Cloud (Firebase). You can lock the app with a PIN or fingerprint, export a backup file, and delete your account and all data at any time.
How do I delete my account?
In the app go to Settings → Delete account. You can also request deletion here.
Close the paper khata for good
Join shopkeepers across India who track udhaar with Digital Udhaar. Free, offline-ready and in your language.