Khata & udhaar
Almost every Indian shop runs on udhaar. The trouble is the bahi khata: names smudge, pages tear, totals are wrong, and at month-end you can't remember who owes you or how much. A digital khata fixes that from the phone already on your counter — one clear record of every customer's balance, a reminder you can send in a tap, and credit that stays in step with your bills. This guide explains what a digital udhaar book does, why shops are switching from paper, and how to move your khata online today.
A digital khata is the phone version of your udhaar notebook. Each customer gets a khata with a running balance: add credit when you give it, mark it received when they pay. No re-totalling, no flipping pages — the balance is always current.
Because it lives on your phone, the record is backed up and searchable. You can pull up any customer in seconds, see their full history, and settle disputes with the actual entries instead of memory.
A paper bahi khata works until it doesn't. One spilt cup of tea, one missing page, or one "no, I already paid that" argument, and the cost is real money.
StockMitra keeps a full digital khata on the free plan, so you can move off paper without paying anything to try it.
The hardest question in a shop is often the simplest: who owes me, and how much? A digital khata answers it at a glance. StockMitra shows a list of customers with outstanding balances, sorted so the biggest or oldest dues are easy to see — so credit stops quietly leaking out of your shop.
Most late payments aren't refusals — people simply forget. StockMitra lets you send a polite WhatsApp reminder with the outstanding amount already filled in, in one tap. A timely, friendly nudge collects far more than an awkward conversation at the counter, and it keeps the relationship intact.
When udhaar lives in a separate notebook, it drifts out of sync with your sales. In StockMitra the khata is connected to billing: a credit sale records the bill and the udhaar on the same customer, so the credit can never go missing. You always know what was sold, what's owed, and what's been paid.
Your customer list and dues are some of your most valuable records. StockMitra keeps your khata backed up so a lost or broken phone doesn't mean lost money, works offline and syncs when you're back online, and is privacy-first — we never sell your shop's business information.
You don't need a computer or any training. Add your regular customers, enter their current balances once, and from the next sale onward your khata stays current on its own — in Hindi, English, Assamese, Bengali, Gujarati or Marathi.
StockMitra is live and free to start: digital khata, billing and stock, from your phone, in your language.
A digital khata app is the phone version of the paper udhaar book (bahi khata) shops use to track customer credit. Instead of writing names and amounts by hand, you record each udhaar against the customer, see a running balance of who owes you, and send a reminder when payment is due. StockMitra keeps this digital khata free and links it to your bills, so credit and sales never drift apart.
For most shops, yes. A paper khata can be lost, damaged, or argued over, and totalling it by hand is slow. A digital khata keeps a clear, backed-up record of every entry, shows each customer's running balance instantly, and lets you send a payment reminder on WhatsApp. You also avoid disputes because both the bill and the udhaar are on one record.
In StockMitra, every customer has a khata with a running balance. When you give credit, you add it to their khata; when they pay, you mark it received. The app shows a list of who owes you and how much, so you never have to flip through a notebook or rely on memory.
Yes. StockMitra lets you send a polite payment reminder to a customer on WhatsApp in one tap, with the outstanding amount filled in. Gentle, timely reminders are the simplest way to get paid faster without an awkward conversation at the counter.
Yes. StockMitra records khata entries even when the network is down and syncs when you are back online, and it works in six Indian languages — Hindi, English, Assamese, Bengali, Gujarati and Marathi — so anyone at the counter can use it.
