MDG Services
ENहिंदी

Khatabook vs OkCredit: side by side, and where Khata Kavach fits

Short answer

Khatabook and OkCredit are both ledger apps for businesses, with loans offered through partners. Khatabook calls its apps free and also runs on iPhone and desktop. OkCredit publishes paid plans from Rs 30 for 30 days and lists 11 Indian languages. Neither is stronger on every row. Khata Kavach is a different kind of tool, for petrol pumps only: by default the transporter asks before the truck fills, and both sides see every fill. 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.

Khatabook and OkCredit at a glance

Khatabook is made by ADJ Utility Apps Pvt Ltd. OkCredit is made by OkCredit Psi Phi Global Solutions Pvt Ltd. Both keep a business's udhar khata on a phone.

Side by side

KhatabookOkCredit
Price as publishedIts site calls the apps free; ads on Play; its terms reserve the right to charge a convenience feeBasic plan with ads; paid plans Rs 30, Rs 75 and Rs 99, each for 30 days
Customer sees entriesBy SMS if the shop switches it on; we did not find a customer app on the pages we could readBy SMS; its home page says the customer needs no app
Staff accessStaff access mentioned; we did not find roles on the pages we could readSeveral phones on one login on a paid plan; we did not find roles on its website, pricing page or Play listing
Limit per customerWe did not find this on the pages we could read (its blog was not reachable on 19 October 2026)We did not find a limit setting on its website, pricing page or Play listing
Bills and GSTGST and non-GST invoicesKacha, pakka, GST and non-GST bills
PaymentsUPI, cards, wallets and QR through partner providersUPI in the app; QR and links through third-party providers; its terms also describe paying merchants in advance for a commission
Loans for the businessYes, through partners: Rs 10,000 to Rs 5 lakh on PlayYes, through partners: up to Rs 1,00,000 on Play
LanguagesEnglish, Hindi and 10+ regional11 Indian languages
Works with no signalWe did not find this on the pages we could read (its blog was not reachable on 19 October 2026)Yes, says its Play listing
PlatformsAndroid, iPhone, desktopAndroid, iPhone, web; desktop on a paid plan
Shown on Google Play on 19 October 20264.5 stars, 5.92 lakh reviews, 100M+ downloads4.6 stars, 4.33 lakh reviews, 10M+ downloads

Facts about Khatabook and OkCredit from their own websites and app listings, checked on 19 October 2026. Tell us if anything has changed.

Where each is stronger

  • Khatabook: more downloads and reviews on Google Play, and a desktop app on its own (OkCredit lists desktop on a paid plan).
  • OkCredit: plan prices on its pricing page, offline use stated on its Play listing, a web app.
  • Both: iPhone apps, GST and non-GST bills, and loans through partners.

Where Khata Kavach fits

If you run a petrol pump and want transporters to ask first and see each fill, that is the job Khata Kavach does. The transporter has his own app and, by default, sends a request before credit is given, one per truck. The nozzle man sees a green, amber or red light before fuel goes in. A correction is a new line that both sides see. It keeps the account: it never lends and never holds money. Price: call us.

See Khatabook and OkCredit on their own, or how to choose an app.

Questions people ask

01Khatabook or OkCredit: which one to choose?

It depends on the row that matters to you. Khatabook shows more downloads and reviews on Google Play and lists a desktop app. OkCredit publishes plan prices and says on its Play listing that it works offline. Both have iPhone apps. Read both sites before you decide.

02Khatabook vs OkCredit vs Vyapar: how do they differ?

Khatabook and OkCredit start from the udhar khata. Vyapar starts from GST billing and accounting. Our page on Vyapar and myBillBook sets those billing apps beside Khata Kavach.

03Do Khatabook and OkCredit give loans?

Both list loans for the business through partner lenders. The amounts differ. Rates and fees are on each app's own listing. Khata Kavach never lends.

Related pages

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.
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.

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.

Report an error or send a legal notice. If you see a mistake, or need to send us a notice, write to hello@mdgservices.in. We read every message, check it, and correct or remove the page.

Limits on our responsibility. We take reasonable care to keep these pages accurate. To the extent the law allows, MDG Services and VRUOOM PRIVATE LIMITED are not responsible for loss caused by relying on this page alone. This does not limit anything the law does not allow us to limit, including responsibility for fraud or for an error we knew about and did not correct. Your legal rights are not affected.

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.

Hindi pages. Hindi pages are written for easy reading and say the same as their English pages. Where a page mentions a law, the official text of that law is the one to follow.

Full disclaimer

Report an error or send a legal notice: hello@mdgservices.in