“Bill toh bana diya, khata mein daalna bhool gaya.”
The classic two-step leak. The bill sits in one place and the khata in another, half the entries never get written down, and by month end nothing reconciles.
Missed entriesUdhaar Tracking · India 2026
Billing software with udhaar tracking, where every bill updates the khata by itself
Put away the paper bahi and the separate khata app. Raise a normal GST bill in Accountune and whatever the customer has not paid posts straight to their udhaar khata. GST invoicing, inventory and accounting all sit in the same app, with a credit limit for every customer and reminders on WhatsApp. From ₹799/year on web, Android and iOS.
- Bill posts to the khata by itself, no second entry
- Credit limit for every customer
- Reminders on WhatsApp and SMS
- GST, inventory and accounting in one app
- Cloud sync across web, Android and iOS
No credit card · Free trial · Free migration
- From ₹799/year
- Bill posts to khata
- Credit limits and reminders
- 12,000+ businesses
- 4.9/5 rating
- 12,000+ businesses
- Bill in under 10s
- GST-ready since 2017
Udhaar & receivables · 2026
The cost of udhaar you cannot see
- ₹7.34 lakh crof India's MSME receivables was still unpaid in March 2024, down from a ₹10.7 lakh crore peak in 2022 but still the largest working capital blockerGAME · FISME · C2FO, Delayed Payments Report 3.0 (2025)
- 45 daysUnder Section 43B(h), if you do not pay a registered MSME supplier within 45 days, that expense stops being deductible in the same year. Unpaid udhaar now carries a direct tax cost.Income Tax Act, Section 43B(h)
- 6.4 croreIndian MSMEs for whom money stuck in the bazaar, rather than weak sales, is the biggest working capital problemGAME · FISME · C2FO, 2025
- ₹66 / mowhat Accountune works out to at ₹799/year, with every bill posting itself to the customer's khataLess than one dhaba lunch
Udhaar is the oldest system in an Indian shop and also the leakiest. Remembering harder has never fixed it. A khata that builds itself from the bill closes the leak at the point where it starts.
In short
What is billing software with udhaar tracking?
Accountune is GST billing software with udhaar tracking built in. You raise a normal bill, and if the customer pays part of it or none of it, the balance posts to their khata automatically. You can set a credit limit for each customer, send payment reminders on WhatsApp or SMS, and run inventory and full GST accounting from one cloud app on web, Android and iOS, from ₹799/year.
Where a khata app stops
Where billing software with udhaar tracking beats a plain khata app
Khata apps solved a real problem, just not the whole one. Khatabook and OkCredit made the digital khata simple, with credit and jama entries and reminders on WhatsApp, and Khatabook has since added billing, inventory and GST reports. So the question is no longer whether a bill can be raised. The question is how tightly the bill and the udhaar are joined, and how much billing and GST depth sits behind them.
In Accountune the udhaar is part of the bill. You raise a normal GST invoice. If the customer pays half or nothing, the remaining amount goes into their udhaar khata on its own. One entry, one record, nothing typed twice.
One tool instead of three. On a plain khata app the bill is created somewhere else and then the same amount has to be entered into the ledger. In Accountune the bill is the entry. The same invoice produces your GSTR-1 and GSTR-3B data, deducts the stock and posts the accounting. On top of that sits the depth a general khata app does not carry: batch and expiry for medical, serial tracking for electronics, size and colour variants for garments.
What the customer ledger has to do. Call it udhaar, udhar, jama-udhar, len-den, hisab kitab or digital bahi khata. The requirement underneath is always the same. Every customer's party ledger and outstanding in one place, accurate, and joined to the bill. In Accountune every credit sale writes itself into the customer ledger, and the full pending list sits on one screen, with no separate khata app, register or spreadsheet.
Terms covered on this page
- udhaar
- udhar
- bahi khata
- digital khata
- jama-udhar
- len-den
- party ledger
- customer ledger
- credit limit
- outstanding payments
- credit sales
- credit management
6 udhaar failures Accountune fixes
The daily udhaar failures that quietly drain your cash
Every one of these happens in Indian shops every month, and each one leaks money you have already earned.
Problem 01 Accountune fix The bill posts to the khata on save
There is no separate khata step in Accountune. The moment a bill is saved, the unpaid balance lands in that customer's udhaar khata.
No second stepProblem 02 “Regular customer ne itna udhaar chadha liya ki ab vasooli mushkil hai.”
Without a limit, an old regular builds up a balance slowly until the account is too big to recover comfortably.
One account goneAccountune fix A credit limit for every buyer
Set a credit limit per customer. When it is crossed you get an alert, so no single account turns into a quiet risk.
Alert on breachProblem 03 “Purane customer se paisa maangna awkward lagta hai.”
Nobody wants to make the call to a regular about ₹2,400. It gets postponed, the due ages, and one day it is too late.
Dues age quietlyAccountune fix The app sends the reminder
A WhatsApp or SMS reminder goes out from the app with the outstanding amount on it, so you are not the one chasing.
Reminder without the callProblem 04 “Bahi ghar par reh gayi aur dukaan par hisaab nahi mil raha.”
A paper bahi lives in exactly one place. Lost, soaked or left at home, and the whole day's accounting stops.
Bahi gone, hisaab goneAccountune fix The same hisaab on every device
The udhaar is live at the counter, on your phone and on the home computer. Losing the book no longer means losing the record.
Same record everywhereProblem 05 “Kis customer ka kitna baaki hai, ek jagah dikhta hi nahi.”
Some of it is on WhatsApp, some in the bahi, the rest in your head. The one number that matters, how much is sitting out in the bazaar, is never in one place.
Total unknownAccountune fix The full outstanding on one screen
One list. Who owes what, whose credit limit is close, and the total still out in the bazaar.
One screenProblem 06 “Payment aa gaya par kis bill ke against tha, yaad nahi.”
Part payments against old bills are where most ledgers go wrong. Money comes in, gets noted loosely, and the party ledger drifts away from reality.
Balances driftAccountune fix Receipts posted against the bill
Record the receipt against the specific invoice, whether it is cash, UPI, cheque or a part payment. The party balance corrects itself.
Balance stays true
Set up in minutes
How Accountune tracks udhaar, with credit limits and reminders from day one
Add the customer, raise the bill, and the udhaar takes care of itself. No separate khata app and nothing entered twice.
- Step 012 minutes
Add the customer
Name and number is enough to start. Set that customer's credit limit at the same time if you want the udhaar controlled from day one.
- Step 02ongoing
Raise a normal GST bill
Paid in full, mark it paid. Paid partly or not at all, and the remaining amount goes straight to that customer's udhaar khata. Nothing extra to do.
- Step 03as it comes
Record the payment
Enter the receipt against that bill, whether it is cash, UPI, cheque or a part payment. The customer's balance drops on its own.
- Step 04one tap
Send the reminder
A WhatsApp or SMS reminder on any pending udhaar, in one tap, carrying the outstanding amount and the bill detail.
- Step 05anytime
Check it whenever you want
Who owes what, whose credit limit is close, and how much is out in total. One screen, live.
Most shop owners have their real udhaar and receivables tracked within a few minutes of signing up.
What you get
Everything the shop actually runs on
Udhaar tracking is not a separate module. It sits underneath billing, GST, inventory and reports, because customer credit, supplier records and credit limits all serve the same job: getting every rupee in.
Fast counter billing
Invoice in under 10 seconds
Search by product name or barcode scan. GST, HSN, price auto-filled. Print or WhatsApp in one tap.
Automatic inventory update
Stock accurate without extra entry
Every sale deducts from stock; every purchase adds back. Live count at any moment.
Udhaar & customer credit tracking
Not one rupee missed or disputed
Per-customer digital account with timestamped history. One-tap WhatsApp reminders.
GST invoicing + GSTR reports
Zero manual tax calculation
CGST, SGST and IGST correct on every invoice. GSTR-1 and GSTR-3B ready at month end.
Low stock alerts
Reorder before the shelf goes empty
Custom minimum per product; alert via app, email or SMS.
Barcode scanning
Packaged goods billed in 3 seconds
USB, Bluetooth or phone camera; auto-fills name, price, GST, HSN.
WhatsApp bill sharing
Professional bills, no printing cost
PDF invoice to the customer's WhatsApp in one tap.
Supplier & purchase records
Never overpay a supplier again
Every purchase logged; supplier-wise outstanding always visible.
Daily business reports
Full business picture in 2 minutes
Sales, top products, slow movers, daily profit, pending dues — one dashboard.
Staff access control
Counter staff see billing only
Role-based logins; profit and purchase data stay owner-only. Full activity log.
Customer credit limits
Cash flow protected without awkwardness
Set a max credit per customer; alert fires before the bill is created.
Cloud backup
Data safe even if every device is lost
Automatic daily backup with encryption; log in from any device.
Side by side
Billing and udhaar in one place, compared
Accountune, Khatabook, OkCredit, Apna Billbook and Vyapar, across the six things that decide whether the bill and the udhaar are actually joined. Cells reflect each product's standard offering, verified 2026.
| Capability | Accountune | Khatabook | OkCredit | Apna Billbook | Vyapar |
|---|---|---|---|---|---|
| Udhaar / khata ledger | Auto from bill | ||||
| Bill posts to khata automatically | |||||
| GST invoicing depth | Deep, since 2017 | ||||
| Trade inventory (batch/serial/variant) | |||||
| Full accounting + CA access | |||||
| One plan: web + Android + iOS | from ₹799/yr |
Our take
For an Indian shop that both bills and sells on credit, Accountune is the best-value pick, with full GST billing, udhaar tracking, trade-specific inventory and accounting in one place from ₹799/year on web, Android and iOS. OkCredit is a clean, well-built ledger but it does not raise a GST bill at all, and Vyapar has a genuinely strong offline mode that suits a poor-connectivity shop, though its cloud and cross-device access sit behind higher tiers.
Rated 4.9/5 by 12,000+ Indian businesses.
Is this right for you?
Which businesses gain most from bill-linked udhaar tracking
Any Indian business selling on credit. The better organised the customer ledger, the faster the recovery.
Kirana & general stores
Small daily udhaar
Dozens of regulars running small daily credit. The bill writes the khata, so there is no second register.
Medical shops
Monthly accounts, batch and expiry
Monthly patient accounts and GST bills alongside batch and expiry tracking, all in one place.
Hardware & electronics dealers
Large tickets, credit buyers
Contractors and regular buyers on credit, big ticket sizes, with serial tracking where it matters.
Garment stores
Season buyers, running accounts
Season buyers on running accounts, with size and colour variants, and every udhaar tied to its bill.
Wholesalers & distributors
Best fit
The biggest gain of all. Large per-buyer balances, credit limits and inter-state billing in one ledger.
Your trade on this list? Accountune was built for it.
Start freeWritten by the Accountune team
India SME udhaar and payments, 2017 to 2026
Published 2026
Most shop owners notice the udhaar loss only after the money is already gone. A khata joined to the bill stops it at the point where it starts, which is the bill.
Buyer's guide · 2026
How to choose udhaar tracking software in India
Test any tool against these eight questions before committing. Fail more than one and the old udhaar problem comes back quietly.
- Linked to the bill?
Does the khata build itself from the bill?
The udhaar entry should come from the bill. If it has to be entered separately, that is the same double-entry leak.
Accountune
Saving a bill in Accountune creates the udhaar entry. There is no separate step.
- GST and inventory too?
Does it handle GST billing and inventory?
Otherwise you run one app for udhaar and another for billing, and the two never agree.
Accountune
GST billing, inventory and udhaar all run off the same bill.
- Credit limits?
Can you set a credit limit per customer?
Per-customer control is what stops a regular from taking more credit than you can carry.
Accountune
Set a limit for every customer and get an alert when it is crossed.
- Reminders?
Are WhatsApp and SMS reminders built in?
The reminder should come from the app, not from your memory or an awkward phone call.
Accountune
Reminders on WhatsApp or SMS carrying the outstanding amount, in one tap.
- Trade depth?
Does it go deep enough for your line of business?
Batch and expiry for medical, serial numbers for electronics, variants for garments.
Accountune
Batch and expiry, serial tracking and size and colour variants are all supported.
- Cloud and multi-device?
Is the data synced across devices?
Counter, phone and CA should all see the same live data, not one machine's copy.
Accountune
Web, Android and iOS on one plan, all synced, with automatic cloud backup.
- CA access?
Can your CA see it read-only, remotely?
Your CA should get a remote read-only view without you sharing a login or exporting anything.
Accountune
Give your CA read-only access to outstanding, receipts and GST data.
- Honest pricing?
Is the price honest for what you get?
Free khata apps give you a ledger and nothing else. A complete tool should be clear about what it costs.
Accountune
Billing, udhaar, GST, inventory and accounting together, from ₹799/year.
Based on feedback from Indian business owners who moved to digital udhaar tracking between 2022 and 2026 · Accountune Research
What our customers say
What business owners say about Accountune
4.9
4.9/5 rating · Trusted by 12,000+ Indian businesses
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.
Old dues finally surfaced
“The bill used to be one thing and the udhaar copy another, and half of it never got written down. Now it goes into the khata as I save the bill, and the reminder goes out from the app. The first month it showed me dues I had completely forgotten.”
Vikram PatelPatel Hardware · AhmedabadThree branches, one ledger
“Udhaar and stock across three branches sit in one place now. I can see which buyer owes what without calling anyone.”
Sandeep GuptaGupta Wholesale · DelhiAll of it in one place
“Pending udhaar used to be spread across a register, WhatsApp and my memory. It is all on one screen now and following up is straightforward.”
Neha VermaIndoreEvery credit sale recorded
“The software is simple but it does the job. Every credit sale gets tracked, so what each customer owes is always clear.”
Arvind PatelSuratThe follow-ups happen
“Keeping udhaar in my head was the hard part. The reminders and the daily reports are what I actually use.”
Aman GuptaLucknowNothing slips now
“Every udhaar and payment has a proper record. Follow-ups do not get missed and the cash flow is steadier than it was.”
Kunal MehtaAhmedabad
Pricing
Udhaar tracking included, from ₹799/year
Every plan includes receivables and udhaar tracking, automatic WhatsApp reminders, reports and cloud backup. Paid plans start from ₹799/year and step up on users, invoice volume and reporting depth.
Free
For Getting Started
Free
No credit card required
- Upto 100 Invoices
- 10 E-Way Bills
- Expenses, Receipts & Payments
- All Financial Reports
- Activity Logs
- Only 1 User
Mobile Light
Perfect for Mobile only Users
₹799/yr
+ taxes · ≈ ₹67/month
- Upto 2 Users (Admin + 1 User)
- Upto 2000 Invoices
- Bar Code, Categories & Secondary Unit in Item
- No Accountune Branding
- GST Reports
Starter
Perfect for Getting Started
₹1,849/yr
+ taxes · ≈ ₹154/month
- Everything in Free +
- Upto 2 Users (Admin + 1 User)
- Upto 2000 Invoices
- Bar Code, Categories & Secondary Unit in Item
- No Accountune Branding
- GST Reports
Growth
Perfect for Growing Businesses
₹4,499/yr
+ taxes · ≈ ₹375/month
- Everything in Starter +
- Upto 5 Users (Admin + 4 Users)
- Upto 10,000 Invoices
- Audit Trail
- TDS Reports
- Priority Support
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.
FAQ
The udhaar-tracking handbook
Type a keyword or pick a category. Everything owners ask about udhaar, credit limits, reminders and GST is one keystroke away.
20 answersUpdated Q2 2026
- Getting started
Is Accountune billing software with udhaar tracking, or just a khata app?
Both, in one place. You raise a normal GST bill, and if the customer does not pay in full the balance moves into their khata by itself. You get proper invoices, inventory and GST returns alongside a live udhaar ledger, without running a separate khata app.
- Getting started
Can Accountune replace my paper bahi khata and register?
Yes, and it does more than replace it. The paper bahi khata and the shop register go away, but this is not only a ledger. GST billing, inventory and accounting sit in the same place, so the same entry that records the udhaar also raises the bill.
- Getting started
I already use a khata app. Can I move my old udhaar records across?
Yes. You can bring your existing customers over and set their opening balances, so the picture you had before is the picture you start with. Support helps with loading customer accounts and outstanding amounts.
- Getting started
Which businesses is udhaar tracking software for?
Any Indian shop or business that sells on credit. Kirana, medical, hardware, electronics and garment shops, and especially wholesalers and distributors carrying large per-buyer balances. If you have pay-later customers, bill-linked udhaar tracking helps you collect.
- Udhaar and reminders
Can I see party-wise ledger and outstanding payments in one place?
Yes. Every party ledger, customer or supplier, and its outstanding balance appear on one dashboard, so you can see who owes how much and whose credit limit is close at a glance.
- Udhaar and reminders
Does the udhaar update automatically when I raise a bill?
Yes. Save an invoice as unpaid or part paid and the outstanding is added to that customer's udhaar. Record a payment and the balance drops. Nothing is totalled by hand.
- Udhaar and reminders
Can I set a credit limit for each customer?
Yes. Set a credit limit per customer so a regular buyer can only take as much credit as you allow. It is the same control wholesalers use for per-buyer limits.
- Udhaar and reminders
Can I send payment reminders for pending udhaar?
Yes. A WhatsApp or SMS reminder goes out from the app carrying the outstanding amount, so you are not personally chasing every “kal de dunga”.
- Payments and khata
Udhaar khata kya hota hai, aur ye usse alag kaise hai?
Udhaar khata matlab har customer ka credit account, jisme aapne kitna diya aur usne kitna jama kiya, dono chalte rehte hain. Farq itna hai ki yahan khata bill se banta hai. Aapko alag se kuch likhna nahi padta.
- Payments and khata
Does it track both the jama and udhar sides of the account?
Yes. What the customer has paid you and what they still owe both appear in one ledger with a running balance. The same as a bahi khata, except it is joined to the bill and updates itself.
- Payments and khata
How many customers' udhaar can I track?
There is no small cap on customers or ledgers. Every buyer gets their own khata, whether that is a few dozen counter customers or thousands of wholesale accounts. Plans differ on invoice volume and users, not on how many people you track.
- Devices and data
Does it also handle GST while tracking udhaar?
Yes. The bill that creates the udhaar entry is the GST invoice, so your GSTR-1 and GSTR-3B data builds as you sell. Udhaar and GST are not two jobs, they come from the same bill.
- Devices and data
Will it work on my phone at the counter?
Yes. Web, Android and iOS on one plan, all synced. Bill from the phone and the same udhaar shows on the shop computer and to your CA.
- Devices and data
Does udhaar tracking work offline?
Accountune is cloud-only, so it needs an internet connection. The trade-off is that your udhaar is backed up and synced across devices, so nothing is trapped on a lost phone. If your connection is genuinely unreliable, factor that in.
- Devices and data
Is my udhaar data safe and backed up?
Yes. Everything is backed up and synced on the cloud, so if a phone is lost or replaced your full khata is there when you log in.
- Devices and data
Can I track udhaar across multiple branches?
Yes. Udhaar and stock across multiple locations sync into one place on higher plans, so every branch's outstanding shows on a single dashboard.
- Devices and data
Can my accountant or CA see the udhaar and dues?
Yes. Give your CA read-only remote access so they can review outstanding udhaar, receipts and GST data without you exporting anything or sharing a login.
- Compare and alternatives
How is this different from Khatabook?
Khatabook has added billing, and its udhaar experience is genuinely well built, but its foundation is the khata ledger, so GST and inventory depth stay basic and billing sits on top. Accountune is billing-first: the bill writes the khata, and GST since 2017, trade-specific inventory and full accounting come with it, from ₹799/year on web, Android and iOS.
- Compare and alternatives
How is this different from OkCredit?
OkCredit is a clean, focused udhaar ledger and it does that one job well, but it does not raise a GST bill at all. Accountune covers the bill and the udhaar together, plus inventory and accounting.
- Compare and alternatives
How does Accountune compare with Vyapar for udhaar?
Vyapar has a strong offline mode that suits a shop with unreliable internet, though mobile and desktop are sold as separate plans and the complete setup costs more. Accountune gives you web, Android and iOS together from ₹799/year, cloud-synced, with the bill posting to the khata by itself. The three-way comparison covers it in detail.
Guides from our blog
Practical reads on GST, billing and running a business in India — written for shop owners, not accountants.
Electrical Items HSN Code 2026: Wire, Switch, MCB & LED
Electrical items HSN code list 2026: wire 8544, switch 8536, MCB and DB 8537, fan 8414, all at 18%. LED lighting is the one item at 5%. Full rates.
Priya Sharma18 min readTiles HSN Code 2026: 6907, Vitrified & Sanitaryware
Tiles HSN code is 6907 at 18% GST. Full list 2026: vitrified, glazed, wall, roofing 6905 at 5%, sanitaryware 6910, and why 6908 no longer exists.
Priya Sharma20 min readPlywood HSN Code 2026: 4412, MDF, Board & Timber Rates
description Plywood HSN code is 4412 at 18% GST. Full wood board list 2026: MDF 4411, particle board 4410, doors 4418, and why raw timber jumped to 18%.
Priya Sharma18 min read
GST Billing Software Built for Every Indian Trade
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.
Electronics store billing software
Trust on every device sold
- Track serial numbers
- Manage warranty details
- Models & variants-wise stock
Retail billing software
Counter-speed billing
- Touch-friendly billing for counters
- Barcode scan for instant lookup
- Cashier roles with cost-price hide
Wholesale billing software
Move volume, control credit
- Bulk pricing & quantity discounts
- Route plans and credit limits
- Party-wise outstanding ledger
Medical store billing software
Stay compliant, cut wastage
- Batch and expiry tracking
- HSN auto-fill from molecule
- FEFO sales suggestions
Hardware store billing software
Bill rods, sheets and packets right
- Multi-unit pricing (kg, ft, packs)
- Vehicle-fitted GST e-way bills
- Mixed-rate billing on one invoice
Kirana store billing software
Everyday neighbourhood billing
- Loose items by weight
- Daily credit ledger per customer
- Mobile billing for fast counters
Grocery store billing software
Loose weighing, fast-moving stock
- Loose weighing at the counter
- FMCG rate lists
- Fast-moving stock alerts
Garment store billing software
Size, colour, season — never out of stock
- Size × colour matrix stock
- Seasonal collection cycles
- Variant-level reorder alerts
Footwear billing software
Every pair, every size, tracked
- Pair-based inventory
- Size-run management
- Brand-wise margin reports
Billing software for small manufacturers
From raw inputs to finished value
- Raw material tracking
- Bill of materials (BoM)
- Finished-goods costing
Ready to switch?
Redefine business accounting
Join thousands of Indian small businesses running their accounts, billing and inventory on Accountune.