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OkCredit and Khata Kavach compared: what each does

Short answer

OkCredit is an udhar khata app for businesses. Its home page calls it free; its pricing page lists a Basic plan with ads and paid plans from Rs 30 for 30 days. It lists SMS to customers, UPI collection, loans through partners, 11 languages and offline use. 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 OkCredit for an 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 1 November 2026.

What OkCredit is

OkCredit is made by OkCredit Psi Phi Global Solutions Pvt Ltd. Shown on Google Play on 19 October 2026: 4.6 stars, 4.33 lakh reviews and 10M+ downloads.

Side by side

OkCreditKhata Kavach
Price as publishedBasic plan with ads; paid plans Rs 30, Rs 75 and Rs 99, each for 30 daysCall us; the price depends on your business
Customer sees entriesBy SMS, from your own SIM or, on Premium, from OkCredit; its home page says the customer needs no appIn the transporter's own app, as soon as the pump's phone is online
Staff accessSeveral phones on one login on a paid plan; we did not find roles on its website, pricing page or Play listingStaff PIN; manager PIN to go past the limit
Limit per customerWe did not find a limit setting on its website, pricing page or Play listingYes, in rupees; green, amber or red at the nozzle
Bills and GSTKacha, pakka, GST and non-GST billsA numbered bill on the pump's letterhead, not a GST tax invoice
PaymentsUPI in the app; QR and links through third-party providersThe transporter pays you; you record it
Loans for the businessYes, through partners: up to Rs 1,00,000 on PlayNo. Khata Kavach never lends
Languages11 Indian languagesHindi first, English one tap away
Works with no signalYes, says its Play listingAt the nozzle, once the app has been opened with internet
PlatformsAndroid, iPhone, web; desktop on a paid planPhone browser; Android apps are coming to Google Play

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

Where OkCredit does more

Plan prices on its pricing page, 11 languages, offline use on its Play listing, iPhone, web and desktop access, stock and loans. Khata Kavach is for petrol pumps only. It has no iPhone or desktop app (its apps open in a phone browser), does not track stock, never lends, and 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, and by default a manager's PIN is needed past the limit. See the nozzle with no signal and how to set a credit limit.

Who should stay with OkCredit

Stay if you want an everyday khata with SMS to customers, a free plan, or a web or desktop app. Look at Khata Kavach if you run a petrol pump and regular transporters fill diesel on credit.

Questions people ask

01Is OkCredit free?

Its home page says unlimited customers and entries, free. Its pricing page names "Unlimited Daily Ledger Transactions" under the Rs 30 plan. We did not find a number for any limit on the Basic plan. Check its pricing page.

02Which 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 with SMS to customers, OkCredit may fit better.

03OkCredit kaisa hai? Is it good for a business?

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

04Does OkCredit handle money?

Its terms say payment links come from third-party providers. They also describe an Instant Settlement service: OkCredit pays the merchant in advance from its own funds, for a commission. The terms were last updated on 16 February 2023. Khata Kavach holds no money.

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.
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.
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.

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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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