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Khata app comparison for petrol pumps: paper, ledger apps and Khata Kavach

Short answer

A petrol pump that gives diesel on credit can keep the account in five ways: paper, ledger apps such as Khatabook and OkCredit, billing apps such as Vyapar and myBillBook, petrol pump software, and fuel cards. They differ on who records the fill, whether the transporter sees it, and who carries the credit. Khata Kavach is a shared credit book for petrol pumps: by default the transporter asks before the truck fills, both sides see every fill, and the pump carries its own credit. Which fits depends on what you need. Facts checked on 19 October 2026.

MDG Services makes Khata Kavach, so this page comes from the maker of one of the apps it may mention. It is general information, not legal, tax or financial advice. Facts about other apps are taken from their own websites and app listings on the date shown and can change, so check them there before you decide.

Facts checked on 19 October 2026. Published by MDG Services on 25 October 2026.

Five kinds of credit tools, side by side

The table says who writes the entry down, whether the customer sees it, and who carries the credit.

KindWho records the entryDoes the customer see each entryWho carries the creditGood for
Paper khata, slip book, ExcelThe businessOnly if you show or send itThe businessNo phone, no signal, no training
Ledger apps: Khatabook, OkCreditThe businessBy SMS or WhatsApp reminders; we did not find a customer app described on their pagesThe businessEveryday khata, bills, many languages
Billing apps: Vyapar, myBillBookThe businessBills and reminders on WhatsApp; myBillBook says it shares live ledgersThe businessGST invoices, stock, accounting
Pump software: GARRUDA, Petrosoft (YoungMinds), Petro GeniusPump staff; GARRUDA starts from the customer's request for a vehicleThey list a customer app or portalThe pumpPump back office; GARRUDA lists shifts, nozzle readings and Tally
Fuel cards and credit networksThe programmeThrough its own app or portalDepends on the programmeCashless fuelling at the programme's own pumps
Khata KavachThe nozzle man, after the transporter's request (by default)Yes, in the transporter's own app, as soon as the pump's phone is onlineThe pump. It never lends or holds moneyRegular transporters who fill diesel on credit

Facts about Khatabook, OkCredit, Vyapar, myBillBook, GARRUDA, Petrosoft and Petro Genius from their own websites and app listings, checked on 19 October 2026. Tell us if anything has changed. The paper row describes general practice, and the fuel card row describes such programmes in general.

Where the other tools do more

  • Khatabook and OkCredit have far larger download counts, shown on Google Play on 19 October 2026: 100M+ for Khatabook, 10M+ for OkCredit. Both have iPhone apps and many languages.
  • Vyapar and myBillBook make GST invoices and e-way bills, and keep stock and accounts.
  • Pump software covers the pump back office: GARRUDA lists shifts, nozzle readings and Tally.

Khata Kavach is new and is for petrol pumps only. Its bill is not a GST tax invoice, and it does not track stock.

Where Khata Kavach sits

It has two apps: the Pump app and the Transporter app. By default, the transporter sends a request before each credit fill, one per truck, in litres, in rupees or for a full tank. The nozzle man types the last 4 digits of the truck number and sees a green, amber or red light. By default a manager's PIN is needed past the limit, or the owner can choose cash only. The owner's Today screen lists the fills that look wrong from the last 7 days. A correction is a new line, so both sides see what changed.

The bill is a numbered bill on the pump's letterhead, with a UPI QR once you add your UPI ID, not a GST tax invoice. For the price, call us. Both apps open in the phone's browser today. Android apps are coming to Google Play.

Read the comparison you need

In this section

Khatabook vs OkCredit: side by side, and where Khata Kavach fitsKhatabook and OkCredit compared from their own sites and Google Play pages, checked on 19 October 2026: price, loans, languages, bills. Plus where Khata Kavach fits.
Udhar khata app: how to choose one, in nine questionsChoosing an udhar khata app (udhar ka hisab rakhne wala app) for a petrol pump that gives diesel on credit: nine questions to ask before you install.

Questions people ask

01Which khata app is right for my petrol pump?

GST invoices and accounts point to a billing app. A plain khata for a few credit customers points to a ledger app. Regular transporters who fill diesel on credit point to a shared credit book. You can use two together.

02Which kind of hisab kitab app should I use for udhar?

Start from what you need to see: your own totals, the transporter's view, a limit at the nozzle, or GST bills. Nine questions to ask are on our page on choosing a khata app.

03What is the difference between a ledger app and a shared credit book?

In a ledger app the pump types each entry. Some apps also send the customer a balance by SMS or share a ledger. Khatabook's and OkCredit's pages describe SMS or WhatsApp reminders to the customer, and we did not find a customer app described on their pages. In a shared credit book such as Khata Kavach the transporter has an app of his own, by default asks before the truck fills, and both sides see each line.

04Does Khata Kavach lend money or collect payments?

No. You set the limit for each transporter. Khata Kavach never lends and never holds money. The transporter pays you directly, and you record it.

Related pages

How to set a credit limit for a regular customer: a rule of thumb with examplesHow much credit to give a regular customer at a petrol pump: a rule of thumb from monthly purchase and credit days, with worked examples.
Khata Kavach features: what the pump owner gets, what the transporter seesEvery Khata Kavach feature in one table: transporter requests, the light at the nozzle, photo, bills, the owner's Today screen, and what each side sees.

About Khata Kavach (advertisement)

Khata Kavach is a shared credit book for petrol pumps, from MDG Services. The transporter asks before each truck fills, your nozzle man sees the limit before he fills, and both of you see every fill, payment and bill. It never lends or holds money.

Set up my pump in the appCall 1800‑891‑3496

About this page. This page is general information published by MDG Services, a brand of VRUOOM PRIVATE LIMITED (CIN U29194HR2021PTC098450), the company that makes Khata Kavach. It is free to read and needs no sign-up.

We make one of the apps. Where a page compares Khata Kavach with another app or another way of keeping credit, remember that we make Khata Kavach. We compare like with like, use only facts the other company publishes, and say plainly where another app does more.

Other companies' names. Khatabook, OkCredit, Vyapar, myBillBook and every other product or company named here belong to their owners. We name them only to say which product a fact is about. We have no connection with them, and they have not seen or approved these pages.

Facts about other apps. Facts about other apps come from their own websites, help pages and app store listings, on the date shown as "facts checked on". Apps change their features and prices often. Check the app's own website before you decide, and tell us if anything here is out of date: we will correct it.

Not legal, tax or financial advice. Pages about getting paid, notices, interest, courts or tax explain the general position in India on the date shown. Laws and rules change, and every case is different. For your own case, speak to an advocate or a chartered accountant.

Examples are made up. The pumps, transporters, vehicles and amounts in examples are made up, and so is the data on the app screens shown. No example describes a real customer or a real result.

What Khata Kavach is. Khata Kavach records credit fills, bills and payments between a petrol pump and its customers. It never lends money and never holds anyone's money: it is not a bank, a lender or a payment service. A Khata Kavach bill is not a GST tax invoice.

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Advertisement. The box headed "About Khata Kavach" is an advertisement for Khata Kavach, a service from MDG Services. Everything else on this page is free information.

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