Facts checked on 19 October 2026. Published by MDG Services on 25 October 2026.
Nine questions to ask before you install
This page is for a petrol pump that gives diesel to regular customers such as transporters on credit, not for a loan to a friend. Ask each question of every app. The answer is on the app's own website or store listing; if you cannot find it, ask the company.
| # | Ask | Why it matters |
|---|---|---|
| 1 | Does the transporter see each entry? Can he ask before the truck fills? | Both sides then work from the same line. |
| 2 | Who can enter a fill? | Nozzle men need their own sign-in, not the owner's login. |
| 3 | Is there a limit per customer? Who can go past it? | A limit helps if it is checked before the fuel goes in and an override is visible. |
| 4 | Does it work with no signal? | Forecourts lose signal. Ask which screens still work. |
| 5 | Can you add a photo to a fill? | It gives you something to look at later. |
| 6 | Is the bill plain, or a GST tax invoice? | If you must issue GST invoices, you need an app that makes them, or a second one. |
| 7 | Does the company lend or handle money? | Does it only keep the record, or also offer loans or settle payments? |
| 8 | Which languages? | Your nozzle men and transporters use it all day. |
| 9 | What does it cost, and what is free? | Look for ads, message charges, extra phones and plan limits. |
What each kind is good for
- Paper, a register or Excel: no phone, no training. See paper khata or an app.
- Ledger apps such as Khatabook and OkCredit: an everyday khata, reminders, bills, many languages.
- Billing apps such as Vyapar and myBillBook: GST invoices, stock and accounts.
- A shared credit book: regular transporters who fill diesel on credit. See ledger app or shared credit book.
Facts about Khatabook, OkCredit, Vyapar and myBillBook from their own websites and app listings, checked on 19 October 2026. Tell us if anything has changed.
Khata Kavach's answers
Khata Kavach is our own app, for petrol pumps only. The transporter sees every fill in his own app and, by default, sends a request first, one per truck. Staff sign in with a 4-digit PIN. The limit is checked at the nozzle, and by default a manager's PIN is needed past it. It works at the nozzle with no signal, once the app has been opened with internet. A fill can carry a photo. The bill is a numbered bill, not a GST tax invoice. It never lends and never holds money. Hindi first, English one tap away. For the price, call us. Both apps open in the phone's browser today; Android apps are coming to Google Play.
Questions people ask
01Which is the best udhar khata app (udhar ka hisab rakhne wala app) for my petrol pump?
No app is best for every pump. A pump that mostly sells for cash, a pump that needs GST invoices and a pump with regular transporters on credit need different things. Answer the nine questions, then compare two or three apps.
02What is a digital udhar khata?
It is the khata book on a phone: each credit fill and payment is a line, and the balance is worked out. Some apps also show the lines to the customer, set limits or make bills.
03Is a free udhar khata app enough?
It can be. Check what the free plan covers, whether it shows ads, and what messages, bills or extra phones cost. Each app's own pricing page is the place to check.
Related pages
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.