Facts checked on 27 October 2026. Published by MDG Services on 20 October 2026.
The honest answer first
If your regular customers fill on udhar, you cannot just stop. What hurts is not knowing what a transporter owes today, or who allowed the last fill. So the aim is credit you can see and control. Seven habits do that.
Seven habits and what each one prevents
| Habit | What it prevents |
|---|---|
| 1. A limit in rupees for every transporter | One balance growing until it hurts. Use rupees, not litres, because the price moves. |
| 2. The transporter asks before each truck fills | Fuel going into a truck on credit that nobody asked for. |
| 3. One named person may say yes past the limit | The nozzle man deciding alone, in a hurry. |
| 4. Every credit fill recorded the same way, with who filled | Gaps nobody can explain later. |
| 5. The transporter sees what he owes | A surprise at month end, and an argument about what was filled. |
| 6. Bills on fixed days | Balances that drift because nobody asked for money. |
| 7. New credit stops after a fixed number of days overdue | New fills piling on an old unpaid balance. |
Choose the days for habit 7 in advance, say 30: see when to stop credit. Habit 1: how to set a credit limit. Habit 3: what the nozzle man does over the limit.
How Khata Kavach builds these habits in
Khata Kavach is a shared credit book. You still decide every rule.
- Habits 1 and 3: you set each transporter's limit. The nozzle man's phone shows a green, amber or red light. By default, past the limit a manager's PIN is needed for that one fill, and the owner sees it.
- Habit 2: the transporter sends a request from his own phone, one per truck: litres, rupees or a full tank. No request, no credit by default. For chosen transporters the owner can let a manager's PIN allow a fill without one.
- Habits 4 and 5: every fill is one line both sides see as soon as the phone is online, with who filled and a photo if one was added. Once a fill has reached the transporter's phone, nothing is edited; a correction is a new line.
- Habit 6: a numbered bill takes one tap, on your letterhead, with a UPI QR if you have put your UPI ID in your pump's details. It is a bill, not a GST tax invoice.
- Habit 7: a transporter's page shows how old the balance is (0 to 15, 16 to 30, 31 to 60 and over 60 days), and the Today screen shows who is near or past the limit. You can freeze an account yourself. Nothing stops credit on its own.
It never lends and never holds money. The transporter pays you directly; you record it.
Questions people ask
01Pump me udhar se kaise bache?
Keep giving udhar, but on rules: a limit for each transporter, a request before each fill, one person who may allow more, and a record both sides see. Much of the worry comes from credit nobody was watching.
02Business me udhar se kaise bache?
The same seven habits fit a transporter's account, a fleet owner's or a bus operator's. Start with the limit and the record.
03What are the disadvantages of giving credit?
Udhar dene ke nuksan are real: your money is tied up, a customer may pay late, and later nobody agrees on what was filled. A limit, a credit period and a shared record each help with one of them.
04Should I stop giving credit altogether?
Many pumps cannot, because regular customers fill on credit. Decide who gets it, how much and for how many days instead. See the plain guide to giving diesel on credit.
Related pages
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.