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Own credit, a fleet card or a fuel credit network: who carries the risk?

Short answer

With your own credit, the pump gives credit to a transporter it knows and carries the risk itself. IndianOil and BPCL describe an account you recharge, with credit, where offered, through finance partners. HPCL describes a prepaid card and lists finance tie-ups separately. Khata Kavach keeps the record of the pump's own credit: you set the limit, and it never lends and never holds money. 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 6 November 2026.

Three ways to sell diesel on credit

  1. Your own credit. You choose who, and how much. You carry the credit. Khata Kavach keeps the record both sides see.
  2. An oil company's fleet card. The transporter holds a card and the programme sets the terms.
  3. A fuel credit network. A platform that helps transporters get fuel credit. Supermileage's site describes "a technology-driven fuel credit and fleet management platform"; who carries the credit is not stated on its pages.

Side by side

Who carries the creditWhere it worksTransporter or customer appCost published
Your own credit with Khata KavachThe pump: you set the limit; it never lends or holds moneyThe pump that sets it upKhata Kavach Transporter, in the phone's browserCall us
IndianOil XTRAPOWERAn account you recharge; credit, if any, from a partner bank or finance company; the member stays liableIndianOil outlets, 35,000+ by its home pageWeb and mobile accessNot published
HPCL DriveTrack PlusA prepaid card; HPCL lists finance tie-ups separatelyAll HPCL pumpsYes, English appNot published
BPCL SmartFleetAn account you recharge; credit through two finance companiesNot stated on its pagesHelloBPCL for BusinessNot stated on its pages
SupermileageNot stated on its pagesNot stated on its pagesAn Android app is listedNot stated on its pages

Facts about each programme from its own website and app listing, checked on 19 October 2026. Tell us if anything has changed. Khata Kavach is not connected with any oil company or programme named here.

Where the programmes do more

IndianOil and HPCL cards work across that company's own pumps. IndianOil lists reward points, crew accident cover up to Rs 5 lakh and reports; BPCL lists ad hoc balance limits and a pump locator.

Where your own credit differs

The decision is yours, for a transporter you know. The transporter pays you directly by cash, UPI, bank or cheque, and you record it. The risk of non-payment stays with you, so a limit and a record that both sides see matter. See how to set a credit limit.

Which fits

Questions people ask

01Who carries the credit on a fleet card?

IndianOil's pages say credit is optional, from a partner bank or finance company at its own discretion, and the member stays liable for charges. HPCL describes a prepaid card and lists finance tie-ups separately. BPCL describes an account you recharge, with credit offered through finance companies.

02Does Khata Kavach give my transporter credit?

No. You decide who gets credit and set the limit. Khata Kavach never lends and never holds money. The transporter pays you directly, and you record it.

03Can a transporter use Khata Kavach at any pump?

Only at a pump that has set it up. A transporter can sign up in the Transporter app with his own mobile number; when a pump adds that number, the pump shows up in his app and he agrees to its terms. The pump can also send him an invite link on WhatsApp. IndianOil and HPCL describe their cards as working at their own pumps.

Related pages

Petrol pump credit management: diesel on credit to transportersAn owner's guide to giving diesel on credit to transporters: who gets credit, the limit in rupees, a request before each fill, what to record, billing, and when to stop.
Transport hisab kitab: see what your drivers take on credit from pumps that use Khata KavachFor transporters who buy diesel on credit: see each fill by truck from pumps on Khata Kavach, send a request for each truck, and see what you owe.
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 app comparison for petrol pumps: paper, ledger apps and Khata KavachPaper, ledger apps, billing apps, pump software and fuel cards beside Khata Kavach, for a pump giving diesel on credit: who records, who sees it, who bears the risk.

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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