“Bill toh banaya, khata mein daalna bhool gaya.”
Do-step system ka classic leak — bill ek jagah, khata doosri jagah. Aadha to likhna hi chhoot jaata hai, aur mahine ke ant tak hisaab mismatch.
Double entry, chhooti entriesPurani bahi ya alag khata app chhodo. Accountune mein bill banao aur udhaar khud customer ke khaate mein chala jaata hai — GST invoicing, inventory aur accounting, sab ek app mein. Per-customer credit limits, WhatsApp/SMS reminders. From ₹799/year · web + Android + iOS.
No credit card · Free trial · Free migration
Udhaar & receivables · 2026
Seedhi baat: udhaar ka problem “yaad rakhna” nahi hai — “system” hona hai. Jab har bill khud khaate mein chala jaata hai, toh kuch bhoolne ki gunjaish hi nahi bachti. Figures compiled from the GAME · FISME · C2FO Delayed Payments Report 3.0 (2025) and the Income Tax Act, Section 43B(h). Udhaar Indian dukaan ka sabse purana system hai — aur sabse leaky bhi; bill-linked khata usi leak ko band karta hai.
Accountune is a GST billing software with udhaar tracking built in. You raise a normal bill; if the customer pays part or nothing, the balance posts to their khata automatically. You can set per-customer credit limits, send WhatsApp/SMS payment reminders, and run inventory and full GST accounting from one cloud app on web, Android and iOS — from ₹799/year.
Why a khata-only app isn't enough
Khata apps solved a real problem — but not the whole one. Khatabook aur OkCredit ne har customer ka digital khata, credit/jama entry aur WhatsApp/SMS reminders aasaan kiya — aur Khatabook ne ab billing, inventory aur GST reports bhi add kar li hain. Toh sawaal “bill ban sakta hai ya nahi” nahi hai — sawaal ye hai ki udhaar aur bill aapas mein kaise jude hain, aur billing/GST/inventory ki depth kitni hai.
In Accountune, udhaar is native to the bill. Aap ek normal GST bill banate ho, aur agar customer poora ya aadha paisa nahi deta, toh bacha hua amount uske udhaar khaate mein khud chala jaata hai. Ek entry, ek source of truth — double typing nahi, mismatch nahi.
GST billing software with credit tracking — not three separate tools. Plain khata apps par bill kahin aur banta hai, phir wahi amount ledger mein daalna padta hai. Accountune par bill hi entry hai — usi bill se GSTR-1/3B ka data, stock deduction aur accounting bhi ban jaata hai. Upar se woh depth jo generic khata apps mein nahi hoti: medical ke liye batch + expiry, electronics ke liye IMEI/serial, garments ke liye size + colour variants.
A Khatabook alternative that also does deep billing. Naam kuch bhi ho — udhaar, udhar, jama-udhar, len-den, hisab kitab, ya digital bahi khata — asli sawaal ek hi hai: har customer ka party-wise ledger aur outstanding ek jagah, sahi, aur bill se juda ho. Accountune mein har credit sale automatically customer ledger mein jaati hai, aur pending/outstanding poori list ek screen par milti hai — alag khata app, register ya spreadsheet ki zaroorat nahi.
Terms covered on this page
6 payment failures Accountune fixes
These are not hypothetical. They happen in businesses across India every month — and each one quietly leaks money you've already earned.
Do-step system ka classic leak — bill ek jagah, khata doosri jagah. Aadha to likhna hi chhoot jaata hai, aur mahine ke ant tak hisaab mismatch.
Double entry, chhooti entriesAccountune mein khata daalna alag step hai hi nahi — bill save hote hi bacha hua amount seedha customer ke udhaar khaate mein pahunch jaata hai.
Koi alag khata step nahiBina limit ke, purana regular dheere-dheere itna baaki chadha leta hai ki ek din woh account haath se nikal jaata hai.
Ek account haath se nikal gayaHar buyer ke liye credit limit set karo — limit cross hote hi aapko alert mil jaata hai, taaki koi ek account chup-chaap risk na ban jaaye.
Limit paar hote hi alertRegular se ₹2,400 maangne ka call kaun kare — postpone hota rehta hai, due purana hota jaata hai, aur ek din bahut der ho jaati hai.
Awkward calls, dues ageApp se seedha WhatsApp ya SMS reminder chala jaata hai outstanding amount ke saath — aapko personally peeche nahi padna padta.
App khud reminder bhejta haiKagaz ki bahi ek hi jagah hoti hai. Woh khoi, bheegi ya ghar reh gayi — toh us din ka poora hisaab atak jaata hai.
Bahi khoi toh hisaab khoyaUdhaar counter pe, phone pe, ghar ke computer pe — sab jagah same aur live. Bahi khoi toh hisaab khoya, wala risk hi nahi.
Har jagah same hisaabKuch WhatsApp par, kuch bahi mein, kuch yaad mein — poora bazaar mein kitna atka hai, ye number kabhi ek jagah nahi milta.
Total atka paisa — pata nahiEk screen par poori list: kaun kitna dena hai, kiska credit limit paas hai, aur total kitna bazaar mein atka hai.
Sab kuch ek nazar meinSet up in minutes — track udhaar from day one
Customer add karo, bill banao — udhaar khud khaate mein. Koi alag khata app, koi double entry nahi.
Naam aur number daalo. Chahein toh us customer ka credit limit bhi abhi set kar do — taaki udhaar hamesha control mein rahe.
Poora paisa aaya? Paid. Aadha ya bilkul nahi? Bacha hua amount seedha uske udhaar khaate mein — koi extra step nahi.
Us bill ke against receipt daalo — cash, UPI, cheque, part-payment — aur customer ka balance khud kam ho jaata hai.
Pending udhaar par WhatsApp ya SMS reminder, ek tap mein — outstanding amount aur bill detail ke saath.
Kisne kitna dena hai, kis customer ka limit paas hai, total kitna atka hai — sab ek screen par, live.
Zyadatar dukaandaar signup ke kuch hi minute mein apna real udhaar aur receivables track karne lagte hain.
What you get
Payment tracking isn't a separate silo — it runs underneath billing, GST, inventory and reports. Udhaar credit, supplier records and customer credit limits all reinforce the same one job: getting every rupee in.
Invoice in under 10 seconds
Search by product name or barcode scan. GST, HSN, price auto-filled. Print or WhatsApp in one tap.
Stock accurate without extra entry
Every sale deducts from stock; every purchase adds back. Live count at any moment.
Not one rupee missed or disputed
Per-customer digital account with timestamped history. One-tap WhatsApp reminders.
Zero manual tax calculation
CGST, SGST and IGST correct on every invoice. GSTR-1 and GSTR-3B ready at month end.
Reorder before the shelf goes empty
Custom minimum per product; alert via app, email or SMS.
Packaged goods billed in 3 seconds
USB, Bluetooth or phone camera; auto-fills name, price, GST, HSN.
Professional bills, no printing cost
PDF invoice to the customer's WhatsApp in one tap.
Never overpay a supplier again
Every purchase logged; supplier-wise outstanding always visible.
Full business picture in 2 minutes
Sales, top products, slow movers, daily profit, pending dues — one dashboard.
Counter staff see billing only
Role-based logins; profit and purchase data stay owner-only. Full activity log.
Cash flow protected without awkwardness
Set a max credit per customer; alert fires before the bill is created.
Data safe even if every device is lost
Automatic daily backup with encryption; log in from any device.
The short version
Accountune, Khatabook, OkCredit, Apna Billbook aur Vyapar — chha cheezein jo tay karti hain ki bill aur udhaar sach mein ek jagah judte hain ya nahi. Cells reflect each product's standard offering (verified 2026).
| Capability | Accountune | Khatabook | OkCredit | Apna Billbook | Vyapar |
|---|---|---|---|---|---|
| Udhaar / khata ledger | Auto from bill | ||||
| Bill → khata automatic | |||||
| GST invoicing depth | Deep, since 2017 | ||||
| Niche inventory (batch/IMEI/variant) | |||||
| Full accounting + CA access | |||||
| One plan: web + Android + iOS | from ₹799/yr |
For an Indian shop that both bills and sells on credit, Accountune is the best-value pick — full GST billing with udhaar tracking built in, plus niche inventory and accounting, from ₹799/year on web, Android and iOS. OkCredit fits only if you never make bills; Vyapar only if you specifically need offline on a single device.
Is this right for you?
Koi bhi Indian business jo credit par bechta hai — udhaar jitna organised, vasooli utni tez. Yahaan Accountune sabse zyada kaam aata hai.
Rozana chhota udhaar
Dozens of regulars, rozana chhota-chhota udhaar — bill se seedha khata, koi alag register nahi.
Patient accounts + GST
Monthly patient accounts, GST bills aur batch/expiry — udhaar aur billing sab ek jagah.
Bade tickets, credit buyers
Contractor aur regular buyers on credit, bade tickets — IMEI/serial tracking ke saath.
Season buyers, running accounts
Season ke buyers, running accounts aur size/colour variants — har udhaar bill se juda.
Best fit
Sabse zyada fayda: bade per-buyer balances, credit limits aur inter-state billing — sab ek ledger mein.
Aapka business isme hai? Accountune isi ke liye bana hai.
Start freeAccountune Product Team
Product Research — India SME Udhaar & Payments, 2017–2026
Based on
Zyadatar dukaandaar udhaar ka nuksaan tab pakadte hain jab paisa ja chuka hota hai. Bill se juda hua khata problem ko wahin rok deta hai, jahan woh shuru hoti hai — bill par.
Buyer's guide · 2026
Kisi bhi tool ko commit karne se pehle, in aath sawaalon par parakho. Ek se zyada par atke, toh wahi purani udhaar wali dikkat chup-chaap laut aayegi.
Udhaar entry bill se auto banni chahiye — alag se khata mein daalna na pade, warna wahi double-entry leak.
Accountune
Accountune mein bill save hote hi udhaar entry ban jaati hai — alag step nahi.
Warna aap udhaar ke liye ek app aur billing ke liye doosra chalaoge — do systems jo mel nahi khaate.
Accountune
GST billing, inventory aur udhaar — sab ek hi app mein, ek hi bill se.
Per-customer control zaroori hai, taaki koi regular haddh se zyada udhaar na le le.
Accountune
Har customer ka credit limit set karo; limit paar hote hi alert.
Reminder app se jaana chahiye — aapke yaad rakhne ya awkward call karne par nahi.
Accountune
WhatsApp/SMS reminders outstanding amount ke saath, ek tap mein.
Medical batch/expiry, electronics IMEI, garment variants — aapke business ke hisaab se.
Accountune
Batch/expiry, IMEI/serial aur size/colour variants — sab supported.
Counter, phone aur CA — sab ko same, live data milna chahiye, ek device par atka nahi.
Accountune
Web, Android aur iOS — ek plan, sab sync, hourly cloud backup.
CA ko remote read-only view milna chahiye — bina login share kiye ya kuch export kiye.
Accountune
CA ko read-only access do — outstanding, receipts aur GST data, bina login share kiye.
Free khata apps sirf ledger dete hain; complete tool ki keemat clear honi chahiye.
Accountune
Ek plan mein bill + udhaar + GST + inventory + accounting — from ₹799/year.
Compiled from feedback from 12,000+ Indian business owners who moved to digital udhaar tracking between 2022–2026 · Accountune Research.
Verified customer reviews
4.9/5 rating · 12,000+ Indian businesses on Accountune. Customer outcomes are representative of feedback from Accountune customers. Some names and identifying details have been changed.
Payments 2× faster
“Pehle bill alag banta tha, udhaar alag copy mein — aadha to likhna hi bhool jaata tha. Accountune mein bill banate hi udhaar khaate mein chala jaata hai, aur reminder bhi app se. Payments ab do guna tezi se aate hain.”
3 branches, one ledger
“Teen branches ka udhaar aur stock ab ek jagah sync hota hai. Kis buyer ka kitna baaki hai, real-time dikhta hai.”
All udhaar in one place
“Pehle pending udhaar ek register mein, kuch WhatsApp pe, kuch yaad — pura bikhra hua. Ab sab ek jagah dikhta hai aur follow-up karna easy ho gaya hai.”
Every credit sale tracked
“Software simple hai, par kaam ka hai. Har credit sale khaate mein track ho jaati hai, isliye kis customer par kitna baaki hai ye hamesha clear rehta hai.”
Reminders on their own
“Pehle udhaar yaad rakhna mushkil tha, par Accountune ke baad sab seedha ho gaya. Reminder system aur reports roz kaam aate hain.”
No missed follow-ups
“Accountune se har udhaar aur payment ka record proper milta hai. Ab follow-up miss nahi hote aur cash flow bhi pehle se behtar chal raha hai.”
Pricing
Every plan includes receivables and udhaar tracking, automatic WhatsApp reminders, reports and cloud backup. Growth adds unlimited invoices and multi-user access; Pro supports unlimited users and unlimited invoices.
For Getting Started
+ taxes
Perfect for Mobile only Users
+ taxes · ≈ ₹67/month
Perfect for Getting Started
+ taxes · ≈ ₹154/month
Perfect for Growing Businesses
+ taxes · ≈ ₹375/month
Every plan includes billing with udhaar tracking, per-customer credit limits, WhatsApp/SMS reminders, GST invoicing, inventory and accounting, and cloud backup. From ₹799/year · web + Android + iOS · free migration.
Type a keyword or pick a category — udhaar, khata, credit limits, reminders, GST, or how it compares.
Both, in one. Aap normal GST bill banate ho; customer poora paisa na de toh balance uske khaate mein khud chala jaata hai. Matlab proper invoices, inventory aur GST returns — plus live udhaar ledger — bina alag khata app chalaaye.
Haan, aur usse zyada. Ye aapke paper bahi khata / dukan register ki jagah leta hai, par sirf ledger nahi — usi jagah GST billing, inventory aur accounting bhi. Ek digital khata jo bill bhi banata hai.
Udhaar tracking paid plans ka hissa hai, jo ₹799/year se shuru. Free khata apps sirf ledger dete hain; Accountune udhaar + GST billing + inventory + accounting ek saath deta hai — do-teen tools ki jagah.
Haan, aap shift kar sakte ho aur apne existing customers + opening balances set kar sakte ho. Support customer accounts aur outstanding amounts daalne mein madad kar deta hai, taaki wahi picture mile jo pehle thi.
Koi bhi Indian shop/business jo credit par bechta hai — kirana, medical, hardware, electronics, garment, aur khaas taur par wholesalers/distributors jinke bade per-buyer balances hote hain. ‘Pay later’ customers hain toh bill-linked udhaar tracking paisa vasoolne mein madad karta hai.
Haan — har party (customer/supplier) ka ledger aur uska outstanding balance ek dashboard par dikhta hai, taaki kis se kitna paisa aana baaki hai, aur kiska credit limit paas hai, ek nazar mein pata chale.
Haan. Invoice ko unpaid/part-paid save karte hi outstanding uss customer ke udhaar mein add ho jaata hai; payment daalo toh balance kam. Bahi haath se total karne ki zaroorat nahi.
Haan — per-customer credit limit set kar sakte ho, taaki regular buyer sirf utna hi udhaar le paaye jitna aap allow karo. Wahi control jo wholesalers per-buyer limits ke liye use karte hain.
Haan — WhatsApp ya SMS reminder outstanding amount ke saath app se chala jaata hai. Har ‘kal de dunga’ ke peeche aapko khud nahi padna padta.
Haan. Har customer ka jama (aapko mila) aur udhar (aapne diya) — dono side ki len-den ek ledger mein running balance ke saath dikhti hai. Bahi khata jaisa, par bill se juda aur automatic.
Customers/ledgers par chhoti limit nahi — har buyer ka alag khata, chahe kuch dozen counter customers ho ya hazaaron wholesale accounts. Plans invoice volume aur users par alag hote hain, tracking ki count par nahi.
Haan. Jo bill udhaar entry banata hai, wahi GST-compliant invoice hai — toh GSTR-1/3B ka data bikri ke saath banta rehta hai. Udhaar aur GST do alag kaam nahi, ek bill se aate hain.
Haan — web, Android aur iOS, ek plan par, sab sync. Phone se bill banao, wahi udhaar dukaan ke computer par aur CA ko bhi dikhega.
Accountune cloud-only hai, toh internet chahiye. Faayda: udhaar backed-up aur multi-device sync — ek khoye phone mein data nahi phasta. Agar connection bahut kharab hai, ise dhyaan mein rakho.
Haan — sab kuch cloud par backed-up aur synced hai, isliye phone khone ya badalne par bhi aapka poora khata login karte hi wapas milta hai.
Haan — multiple locations ka udhaar aur stock ek jagah sync hota hai (higher plans), taaki har branch ka baaki paisa ek dashboard mein dikhe.
Haan — CA ko read-only remote access de sakte ho, jisse woh outstanding udhaar, receipts aur GST data dekh le, bina kuch export kiye ya login share kiye.
Khatabook ne billing add ki hai, lekin uski jadein khata ledger mein hain — GST/inventory depth basic hai aur billing bolt-on. Accountune billing-first hai: har bill khud khaate mein jaata hai, aur GST (2017 se), niche inventory (batch/IMEI/variant) aur full accounting ek ₹799/year plan mein web+Android+iOS par.
OkCredit abhi bhi sirf ek udhaar/bahi-khata ledger hai — wo GST bill nahi banata. Accountune bill aur udhaar dono ek jagah deta hai, plus inventory aur accounting.
Dono billing + udhaar dete hain, par Apna Billbook free-basic hai. Accountune full accounting, CA remote access, aur niche depth (medical/electronics/garments) deta hai, 12,000+ paid businesses ke trust ke saath (since 2017).
Vyapar mobile aur desktop ke alag plans bechta hai aur complete lene par costlier padta hai. Accountune ek hi ₹799/year plan mein web + Android + iOS deta hai, cloud-synced, aur bill→khata automatic.
Practical reads on GST, billing and running a business in India — written for shop owners, not accountants.
Delivery challan meaning under GST: when it is required, what Rule 55 says, how it differs from a tax invoice, plus job work and e-way bill rules.
Proforma invoice meaning explained: what it is, whether GST applies, how it differs from a tax invoice, and when Indian businesses should send one.
How to send a GST invoice on WhatsApp, and whether it’s legal: the 3 ways to do it, add a UPI QR to get paid faster, plus Accountune’s one-tap send.
A kirana counter and a garment showroom are not the same shop. Kirana runs on udhaar and loose quantities. A medical store runs on batch numbers and expiry dates. A garment shop runs on a size-and-colour grid. Hardware runs on multi-unit conversion. Accountune ships a build for each trade, not one, and the fields change with the trade.
Trust on every device sold
Counter-speed billing
Move volume, control credit
Stay compliant, cut wastage
Bill rods, sheets and packets right
Everyday neighbourhood billing
Loose weighing, fast-moving stock
Size, colour, season — never out of stock
Every pair, every size, tracked
From raw inputs to finished value
Join thousands of Indian small businesses running their accounts, billing and inventory on Accountune.