Every kirana store owner knows the pain of udhaar. A regular customer takes goods on credit, promises to pay at the end of the month. The khata register fills up. Some customers pay on time. Others slowly disappear. Without a clear system, you lose track of who owes what — and money slips away silently.
📈 2026 Trend: The traditional paper bahi khata is going digital fast. Apps like OkCredit, Khatabook, and BahiKhata collectively have 50M+ users in India — proving that digital udhaar management is mainstream for Indian shopkeepers. Key features shopkeepers look for: easy credit entry, WhatsApp payment reminders, overdue tracking, and credit limit enforcement.
Still managing customer credit in a paper register? Dhando POS replaces your traditional bahi khata with a digital udhaar book built directly into your billing app. Every time a customer takes goods on credit, it's recorded against their contact. See total outstanding balance, send a WhatsApp payment reminder with one tap, and enforce credit limits so udhaar doesn't spiral. For Indian kirana store owners, it's the most-used feature in the app.
Dhando POS replaces your paper khata register with a digital system that never forgets, never gets damaged in the rain, and shows you exactly who is overdue — the moment you open the app.
How Udhaar Works in Dhando POS
When you make a sale, you can mark it as a credit sale. The bill is recorded in full, but no payment is collected at that time. The outstanding amount is added to the customer's balance.
You can also set a credit limit per customer — Dhando POS warns you (or blocks the sale) if a customer tries to go beyond their allowed credit. This prevents a single customer's debt from growing uncontrollably.
The Payment Reminders Screen
The dedicated Payment Reminders screen shows every customer with an outstanding balance, sorted by urgency:
Red = 30+ days overdue. Orange = 15–30 days. Yellow = within terms. At a glance, you know exactly who to chase first.
📊 Dashboard summary: The main dashboard always shows your total outstanding customer dues and the top 3 overdue accounts — so you see the situation every morning without opening any report.
Features That Help You Collect
Advance Payments (Wallet)
Some regular customers pay in advance. Dhando POS tracks advance wallets too — if a customer has ₹500 advance, their next purchase automatically deducts from it. The balance adjusts in real time, no manual arithmetic needed.
Supplier Dues
Udhaar works both ways. The dashboard also shows what you owe your suppliers — total amount and top accounts payable. This helps you plan cash flow and avoid surprising your suppliers with late payments.
Who Benefits Most?
- Kirana stores where regular customers frequently buy on credit
- Wholesale dealers with B2B customers on credit terms
- Grocery shops with monthly settlement cycles
- Hardware stores supplying to builders and contractors on credit
- Any shop where the owner personally knows most customers and extends informal credit
Frequently Asked Questions
Dhando POS includes a built-in digital udhaar book integrated with your billing. Unlike standalone apps like Khatabook or OkCredit, Dhando POS records udhaar directly from the sale — no double entry. You see the customer's credit balance at checkout and can enforce limits.
In Contacts, filter by outstanding balance. Tap a customer and hit "WhatsApp Reminder" — Dhando POS opens WhatsApp with a pre-filled message showing their outstanding amount. Customize the reminder template in Settings → WhatsApp Template.
Yes. Set a maximum credit limit per customer. When their outstanding balance reaches the limit, Dhando POS warns you at the point of sale and can block further credit extension until they make a payment.
Yes. Supplier contacts also track what you owe them. Every purchase recorded against a supplier adds to your payable balance. Record payments and see exactly how much you owe each supplier — useful for managing your own cash flow.
Yes. If a customer pays in advance, it's recorded as a credit balance in their account. Future purchases automatically deduct from this advance wallet — reducing collection effort for repeat customers.
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