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Vyapar and myBillBook vs Khata Kavach: billing app or credit book?

Short answer

Vyapar and myBillBook are billing and accounting apps: GST invoices, stock and party ledgers. Khata Kavach is a shared credit book for petrol pumps that give diesel on credit to regular transporters. Some pumps use both: GST invoices from billing software, the credit at the nozzle and the shared record from Khata Kavach. Facts about the two apps were 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.

Billing app or credit book?

Vyapar and myBillBook are built for billing and accounting: GST invoices, e-invoices, e-way bills, stock and party ledgers. Khata Kavach does one job: diesel and petrol that a pump gives on credit to regular transporters, kept in one record that both sides see.

Side by side

VyaparmyBillBookKhata Kavach
GST tax invoice, e-way bill, stockYesYesNo. A numbered bill, not a GST tax invoice
Credit limit per customerYes, on its Gold planYes; billing is blocked at the limit, says its wholesalers pageYes, in rupees; the nozzle shows green, amber or red
Customer has their own appWe did not find one on its website or app listingWe did not find one on its website or app listing; its site says it shares live ledgersYes
Customer asks before the saleWe did not find this on its website or app listingWe did not find this on its website or app listingBy default, yes: a request per truck
Works with no signalYes, offline invoicingWe did not find this on its website or app listingAt the nozzle, once opened with internet
Prices as published, per yearMobile, free-invoicing page: Free plan (limited), Silver Rs 699, Gold Rs 799, Retail Pro Rs 2,099Silver plan page: Rs 399 (Android, 1 device)Call us; the price depends on your business
Google Play, shown on 19 October 20264.8 stars, 10M+ downloads4.7 stars, 10M+ downloadsBoth apps open in the phone's browser. Android apps are coming to Google Play

Facts about Vyapar and myBillBook from their own websites and app listings, checked on 19 October 2026. Tell us if anything has changed. Both list more plans and prices than shown here; check their own sites.

Where the billing apps do more

  • GST invoices, e-invoices, e-way bills, stock, accounting and desktop apps. Khata Kavach has none of these.
  • Reach: both show 10M+ downloads on Google Play (19 October 2026). Khata Kavach is new.

Where Khata Kavach works differently

By default, every credit fill starts with a request from the transporter's phone, one per truck. The nozzle man sees a light before fuel goes in. By default, past the limit a manager's PIN is needed (the owner can choose cash only), and the owner's Today screen lists these fills. A correction is a new line that both sides see.

Which fits

  • GST invoices, stock, accounts: a billing app.
  • Regular transporters who fill diesel on credit: a shared credit book.
  • Both jobs: GST invoices from your billing software; the credit at the nozzle from Khata Kavach. See how a numbered bill differs from a GST tax invoice.

Questions people ask

01Do I need Khata Kavach if I already use Vyapar or myBillBook?

Not if billing is your main need. If regular transporters fill diesel on credit and you want them to ask first and see each fill, a shared credit book does that job.

02Does Khata Kavach make GST invoices?

No. It makes a numbered bill, with a UPI QR once you add your UPI ID, not a GST tax invoice. Keep making your GST invoices in your billing software.

03Can my customer see their balance in these apps?

myBillBook's site says it can share live ledgers. For Vyapar we did not find a customer app on its pages; it sends bills and reminders on WhatsApp. In Khata Kavach the transporter has his own app and sees every fill.

Related pages

Kachcha bill, pakka bill and GST tax invoice: what each one meansWhat a kachcha bill, a pakka bill and a GST tax invoice are, what a pump's credit bill should show, and what a Khata Kavach bill is.
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.
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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