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Petrol pump software vs Khata Kavach: full system or credit book?

Short answer

Petrol pump software such as GARRUDA, Petrosoft (YoungMinds) and Petro Genius is made for the pump, and each lists credit features. Khata Kavach does one job: credit to regular transporters, with the transporter asking first by default and both sides seeing every fill. Choose pump software when you need shifts, tanks and Tally. Add a credit book when credit control is the gap. 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 6 November 2026.

Full forecourt system or credit control?

GARRUDA, Petrosoft (YoungMinds) and Petro Genius are software for petrol pumps. Each lists credit limits and a customer app. GARRUDA's pages and listings add shift, nozzle and dip readings; GARRUDA and Petrosoft list Tally.

Khata Kavach does not run a pump: no nozzles, shifts, tanks, stock or Tally. It is made for the diesel and petrol credit that a pump gives to regular transporters. It is for pumps of any oil company and not connected with any oil company.

Side by side

GARRUDAPetrosoft (YoungMinds)Petro GeniusKhata Kavach
Credit limitsYesYesYesYes, in rupees
Transporter or customer appYes, and a web portalYes, a credit-customer appYes: dashboard and SMS alertsYes
Customer asks firstYes: request for a vehicle, QR code, OTP to the driver; manual slips also workIts site says customers can submit credit requestsNot stated on its pagesBy default, yes: a request per truck
TallyYesYes, Tally PrimeNot stated on its pagesNo
Works with no signalNot stated on its pagesNot stated on its pagesNot stated on its pagesYes, at the nozzle, once opened with internet
LanguagesEnglish, App Store listingMulti-language, none namedNot stated on its pagesHindi first, English one tap away
PriceNot on its siteNot publishedNo price on its own siteCall us

Facts about GARRUDA, Petrosoft and Petro Genius from their own websites and app listings, checked on 19 October 2026. Tell us if anything has changed.

Where pump software does more

Shift, nozzle and dip readings (GARRUDA), Tally and a GST returns menu (Petrosoft), an owner's reports app (GARRUDA), and age-wise outstanding with party-wise or vehicle-wise statements (Petro Genius). Khata Kavach has no shifts, nozzle or dip readings, no Tally, no GST returns and no statements.

Where Khata Kavach works differently

By default, every credit fill starts with the transporter's request, one per truck. The nozzle man sees green, amber or red. By default, past the limit a manager's PIN is needed and the owner sees it; the owner can choose cash only. Once a fill has reached the transporter's phone, no line is edited or deleted: a correction is a new line. It never lends and never holds money.

Which fits

Questions people ask

01Is GARRUDA the same as Khata Kavach?

No. GARRUDA calls itself petrol pump operations software. Khata Kavach is a shared credit book and does not run shifts, tanks or stock.

02Do I need pump software to use Khata Kavach?

No. The nozzle man types the rupees off the dispenser, and the litres fill in at the rate the pump typed that morning. It reads nothing from the dispenser and does not connect to Tally or any forecourt system.

03Which pump software has credit limits?

GARRUDA, Petrosoft and Petro Genius each list credit limits on their websites or app listings, checked on 19 October 2026. Khata Kavach has a limit per customer too, in rupees, with a light at the nozzle.

04Can a pump use both?

Yes, as separate apps. Pump software keeps the forecourt and the books; Khata Kavach keeps the credit record that the transporter also sees.

Related pages

Petrol pump credit management: diesel on credit to transportersAn owner's guide to giving diesel on credit to transporters: who gets credit, the limit in rupees, a request before each fill, what to record, billing, and when to stop.
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.
Works with no signal at the nozzle: what still works and what does notKhata Kavach lets the nozzle man record a fill with no signal. The fill is saved on the phone and sent when it is online. What needs internet, and what to know.
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.

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.

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