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Ledger app or shared credit book: what is the difference?

Short answer

In a ledger app the seller types each entry. Some apps also send the customer a balance by SMS or share a ledger. A shared credit book has two apps. By default the transporter asks first, the nozzle man sees a light, and both sides see each line as soon as the pump's phone is online. A pump with a few credit customers fits a ledger app. A pump that gives diesel on credit to regular transporters fits a shared book.

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.

Two ways to keep udhar

A ledger app copies the old bahi khata onto a phone. The seller writes each credit given and each payment received, and the app keeps every customer's balance. OkCredit is one example: its homepage says the customer does not need the app and gets the balance by SMS.

A shared credit book has two apps. The pump uses one, the transporter the other, and every fill is one line that both see.

Side by side

Ledger app (OkCredit as the example)Shared credit book (Khata Kavach)
Who types the entryThe seller; its homepage says the customer needs no appA Pump app and a Transporter app
How the customer sees an entryBy SMS; its Google Play listing says balances are shared after every transactionOne line in the transporter's own app, with who filled and the photo if one was added
Who starts a credit entryThe seller makes the entry; we did not find a customer request on its website or Play listingBy default, the transporter's request, one per truck; no request, no credit
Limit at the nozzleWe did not find a limit setting on its website, pricing page or Play listingGreen, amber or red; by default a manager's PIN to go past it
Price as publishedA free Basic plan with ads; paid plans Rs 30, 75 and 99 for 30 daysCall us; the price depends on your business
Languages, platforms11 languages; Android, iOS, webHindi first, English one tap away; phone browser today
Works with no signalYes, per its listingAt the nozzle, once opened with internet
Business loansOffers loans through partners, per its listingNo. It never lends and never holds money

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

Which suits whom

  • A pump with a few credit customers: the owner sees every fill, and a ledger app may be enough. OkCredit, for one, lists a free Basic plan, 11 languages and an iPhone app.
  • A pump with regular transporters on credit: nozzle men fill while the owner is away, so the owner wants the transporter to ask first and both to see the line. A shared book is built for that.

The line between the two is not fixed: myBillBook's site says it shares live ledgers. See how Khatabook and OkCredit compare in full, and how transporter requests work.

Questions people ask

01What is a ledger app?

A phone version of the bahi khata. The seller records credit given and money received for each customer, and the app keeps the balance. Some apps also send the customer a balance by SMS or share a ledger.

02What does shared mean in a shared credit book?

Two apps show the same line. By default the transporter asks for the fuel first, the nozzle man records the fill, and the transporter's app shows it with the litres, rupees, the truck number, who filled, and the photo if one was added.

03Does my customer need an app?

For OkCredit, its homepage says no: the customer gets the balance by SMS. For Khata Kavach, yes: the transporter uses the Khata Kavach Transporter app, which opens in the phone's browser. He signs up with his own mobile number, or you send him an invite link on WhatsApp, and he agrees to your terms once.

04Which should a small pump choose?

A pump that sees every credit fill itself may find a ledger app enough. Khata Kavach is made for petrol pumps that give diesel on credit to regular transporters.

Related pages

Khatabook and Khata Kavach compared: what each doesHow Khatabook and Khata Kavach compare, from Khatabook's own website and store listings, checked on 19 October 2026: price, bills, loans, limits, and who should stay.
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.
Transporter requests: the transporter asks before the truck fillsHow a transporter request works in Khata Kavach: he asks from his phone, the nozzle man sees it, and no request means no credit by default.
What your transporter sees in the Khata Kavach Transporter appThe Khata Kavach Transporter app shows the transporter his credit left, every fill and his bills, plus a UPI button if the pump added its UPI ID. Hindi or English.

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.

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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