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Khatabook and Khata Kavach compared: what each does

Short answer

Khatabook is a widely downloaded digital khata app for businesses, with GST and non-GST bills, inventory, loans through partners, and iPhone and desktop apps; its site calls the apps free. Khata Kavach is a shared credit book for petrol pumps: by default the transporter asks before the truck fills, the nozzle man sees a light, and both sides see every fill. Stay with Khatabook if you need GST invoices, stock or a plain everyday khata. 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 31 October 2026.

What Khatabook is

Khatabook is made by ADJ Utility Apps Pvt Ltd. Its Google Play listing describes credit and debit tracking, reminders, GST and non-GST bills, inventory and loans. Shown on Google Play on 19 October 2026: 4.5 stars, 5.92 lakh reviews and 100M+ downloads.

Side by side

KhatabookKhata Kavach
Price as publishedIts site calls the apps free; its terms reserve the right to charge a convenience feeCall us; the price depends on your business
Customer sees entriesBy SMS if the shop switches it on; we did not find a customer app on the pages we could readIn the transporter's own app, as soon as the pump's phone is online
Staff accessStaff access mentioned; we did not find roles on the pages we could readStaff PIN; manager PIN to go past the limit
Limit per customerWe did not find this on the pages we could read (its blog was not reachable on 19 October 2026)Yes, in rupees; green, amber or red at the nozzle
Bills and GSTGST and non-GST invoicesA numbered bill on the pump's letterhead, not a GST tax invoice
PaymentsUPI, cards, wallets and QR through partner providersThe transporter pays you; you record it
Loans for the businessYes, through partners: Rs 10,000 to Rs 5 lakh on PlayNo. Khata Kavach never lends
LanguagesEnglish, Hindi and 10+ regionalHindi first, English one tap away
Works with no signalWe did not find this on the pages we could read (its blog was not reachable on 19 October 2026)At the nozzle, once the app has been opened with internet
PlatformsAndroid, iPhone, desktopPhone browser; Android apps are coming to Google Play

Facts about Khatabook from Khatabook's own website and app listing, checked on 19 October 2026. Tell us if anything has changed.

Where Khatabook does more

Far more downloads, iPhone and desktop apps, GST and non-GST invoices, inventory, loans through partners and more languages. Khata Kavach is for petrol pumps only. It has no iPhone or desktop app, its bill is not a GST tax invoice, it does not track stock, it never lends, and it has Hindi and English.

Where Khata Kavach works differently

By default, every credit fill starts with a request from the transporter's own app, one per truck. The nozzle man sees the light before fuel goes in. By default a manager's PIN is needed past the limit. The owner's Today screen lists the fills that look wrong from the last 7 days. A correction is a new line. See the Transporter app and the light at the nozzle.

Who should stay with Khatabook

Stay if you need GST invoices, stock, or an iPhone or desktop app. Look at Khata Kavach if you run a petrol pump, regular transporters fill diesel on credit and you want them to ask first.

Questions people ask

01Which khata app fits a petrol pump with regular credit transporters?

Khata Kavach works differently: by default the transporter asks before the truck fills, and both sides see every fill. For an everyday khata, Khatabook may fit better.

02Khatabook safe hai? Is Khatabook safe?

We cannot rate an app's safety. Its Play listing says data is encrypted in transit, and its site lists ISO 27001. Those are the company's own words. Read its terms before you decide.

03Is Khatabook really free?

That is the company's own wording. Its terms also say it sells prepaid KB Coins, whose price is subject to change. Check its site for current terms.

04Khatabook kaisa hai? Is it good for a business?

We do not review apps. The table above shows what Khatabook lists, and its Google Play ratings are in the first section. Check the rows that matter to your business.

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.
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.
OkCredit and Khata Kavach compared: what each doesHow OkCredit and Khata Kavach compare, from OkCredit's own website, pricing page and Play listing, checked on 19 October 2026: plans, SMS, loans, languages.

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.

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