Facts checked on 27 October 2026. Published by MDG Services on 28 October 2026.
Six checks before you say yes
Giving credit is your decision, and the time to be careful is before the first fill. This is a checklist for a petrol pump that gives diesel to regular business customers.
| Check | What to ask or note |
|---|---|
| 1. How long you have known them | Have they filled with you before? Did they pay in cash and on the spot? Weeks of cash fills first is a fair start. |
| 2. Which trucks, and who owns them | The truck numbers allowed to fill on credit and, against each number, the owner's name. |
| 3. One responsible person | A named person who answers for the account, with a number you have actually called. |
| 4. GSTIN or PAN, where they have one | Note it down. It can go in the customer's billing details and print on the bill (a bill, not a GST tax invoice). |
| 5. A small start | A low first limit, raised after on-time payment. See how to set a credit limit. |
| 6. A trade reference | Ask for a reference the customer names, with his OK, and record only what he agreed to share. Never pass names around. |
What to write down when you agree
Write it before the first credit fill, and give the transporter a copy:
- the transporter's name and the responsible person's phone number
- which truck numbers may fill on credit
- the limit in rupees and the credit period in days
- who at your pump may allow a fill past the limit
The credit policy template turns this into one page. The seven habits show how to keep the account afterwards.
What Khata Kavach adds
You add the transporter in the Pump app: name, mobile number, limit and his truck numbers. One tap opens your own WhatsApp with his link ready to send. The transporter reads the terms and agrees on his phone before he can send a request. Until then he cannot send requests, so by default the light stays red.
A truck number can be active with one transporter at a time. You decide who gets credit; Khata Kavach never lends and never holds money.
Questions people ask
01Udhar kisko dena chahiye?
A customer you know, who has filled with you for cash for some weeks, has one responsible person you can call, and agrees to a limit and a credit period. Start small and raise the limit after on-time payments.
02What if my customer has no GSTIN or PAN?
That is common with a small transporter. The other five checks matter more. In Khata Kavach the GSTIN and PAN boxes in a customer's billing details are optional, and the bill prints without them.
03Should I pass around names of customers who did not pay?
No. Do not circulate names. Ask for a trade reference the customer names, with his OK, and record only what he agreed to share.
04Does Khata Kavach decide who gets credit?
No. You decide who gets credit and set every limit. Khata Kavach never lends; it keeps the account and checks your limit at the nozzle with a green, amber or red light.
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.