Paper credit slips (parchi) at a petrol pump: how they work and where they stop helping

Short answer

A credit slip, or parchi, is a numbered paper the transporter's driver hands over when the truck fills on udhar. The pump keeps it and bills later, often at month end. It needs no phone and no signal. It records one fill: it does not show a running total of what the customer owes, and the customer often sees the total only at month end. A good record adds a request first, a limit check, a line both sides see, and a photo.

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 27 October 2026. Published by MDG Services on 21 October 2026.

How a slip or coupon works

At a petrol pump it works much the same way everywhere.

  1. The pump gives the transporter a book of numbered slips.
  2. The driver brings a slip when the truck comes to fill.
  3. The nozzle man fills, writes the litres, and keeps the slip.
  4. Later, often at month end, the pump adds up the slips and makes a bill. The transporter checks the bill against his own copy.

Paper needs no phone and no signal, and everyone at the pump can read it. That is why many pumps still use it.

Where a slip stops helping

A slip records one fill. It does not hold the account. Some things follow from that.

What happensWhy a slip cannot show itWhat a good record adds
A customer is already near the limitThe slip says nothing about the balanceA limit check at the nozzle
A slip is lost or tornThe paper is the whole recordOne line saved at the nozzle
The slip says 200 litres, the dispenser gave 220The quantity is whatever was writtenOne line typed from what the dispenser showed, which the transporter also sees, and a photo
The customer often sees the total only at month endSlips are added up laterThe transporter sees each line on the day
Nothing shows the transporter asked for the fuelA slip shows fuel was taken, not that he asked firstThe transporter asks first, by default

For example, a made-up driver brings slip 412 for 200 litres and the nozzle man fills 220. The slip says 200, the pump's copy says 220, and nobody can say which is right.

What to use instead

Keep four things, on paper or on a phone:

  • The transporter asks first. The request comes from him.
  • A limit check before the fuel goes in.
  • One line that both sides see: truck number, litres, rupees, who filled, time.
  • A photo of the number plate or the slip, where you can.

How Khata Kavach does the same job

By default, the transporter sends a request from his own phone, one per truck. That does the slip's job of showing he asked. With no request, the light at the nozzle is red, "No credit", by default, and the nozzle man can fill for cash. With a request and the account in order, the light is green, "You can fill", and shows how much credit is left. The nozzle man types the litres and the rupees off the dispenser, adds a photo if he wants, and taps Done. Once the phone is online, the transporter sees the same line in his own app. See transporter requests and photo with a fill.

If you still use slips, type the number into the slip number box. For a side-by-side with a register or Excel, see paper khata or a credit app.

Questions people ask

01What is the parchi system at a petrol pump?

The customer's driver brings a numbered slip, the pump gives fuel against it, keeps the slip, and bills the customer later, often monthly. Until the bill, the slip is usually the record of that fill.

02Is a fuel coupon the same as a credit slip?

Sometimes. Some coupons are paid for in advance, which is a different arrangement from udhar. This page is about slips used on udhar, where the bill comes later.

03How do I keep track of lost or doubled-up slips?

Number every slip, note the number with every fill, and match the numbers against the bill.

04Can I keep my slip book and use Khata Kavach too?

Yes. The fill form has an optional box for the slip number. Type the slip's number there, and the paper and the app line can be matched later.

Related pages

Credit at the nozzle: who decides, who records and who seesWho decides on credit at your pump, what every credit fill must record, and how both sides see it. A plain guide for owners who are not always at the pump.
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.
Transport hisab kitab: see what your drivers take on credit from pumps that use Khata KavachFor transporters who buy diesel on credit: see each fill by truck from pumps on Khata Kavach, send a request for each truck, and see what you owe.
Customer over the credit limit at the nozzle: what the nozzle man should doA rule sheet for when a transporter is over the credit limit at the nozzle: who may allow one fill, what to write down, and when to fill for cash.

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.

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.

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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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