Facts checked on 27 October 2026. Published by MDG Services on 26 October 2026.
Two apps, one shared line
The Pump app is for the owner, managers and nozzle men. The Transporter app is for the transporter who buys diesel on credit, and his staff. Each fill is one line, and both sides see it. Both apps open in the phone's browser today.
Every feature, side by side
| Feature | What the owner gets | What the transporter sees |
|---|---|---|
| Transporter requests | By default, nothing goes out on credit unless the transporter asked that day, one request per truck. | "Send requests": pick the trucks, then litres, rupees or a full tank. |
| The light at the nozzle | A green, amber or red light before fuel goes in. By default, a manager's PIN to go past the limit. | The credit left against the limit. |
| Photo with a fill | An optional photo on each fill: the number plate or the slip. | The same photo on the fill's line. |
| How a wrong entry is corrected | A correction is a new line with a reason. | The old line struck out, and the new one. |
| Works with no signal | The nozzle keeps filling. The fill is saved on the phone and sent later. | The fill, once the pump's phone is online. |
| Today screen | Credit given today, then this month's credit given, money received and total owed, who is near the limit, fills to look at. | Home: what he owes, last payment, last fill. |
| Numbered bills with UPI | A bill on your letterhead in a tap, sent from your own WhatsApp. | A bills section and, if you added a UPI ID, a button to pay the amount by UPI straight to you. |
| Transporter app | Transporters send their own requests and see their own account. | Hindi screens, large text, English one tap away. |
The four fuels, by the litre
Khata Kavach handles diesel, petrol, premium diesel and premium petrol, by the litre. The nozzle man types the litres and the rupees off the dispenser. There is no rate list: nothing is priced or converted.
At the nozzle
The nozzle man types the last 4 digits of the truck number and sees the light and the credit left. He types the litres and the rupees and taps Done. Both phones show the fill.
With no request the light is red, "No credit", and he can fill for cash. Per transporter, the owner can instead let a manager's PIN allow a fill without a request.
Who does what
- Nozzle men type the last 4 digits, see the light, type the litres and rupees, and tap Done. They never see a transporter's phone number.
- Managers type their PIN to allow one fill past the limit. They also record money received and make bills.
- The owner sets each transporter's limit, the staff and the bill numbering.
What Khata Kavach does not do
- It does not make a GST tax invoice. It makes a numbered bill.
- It does not lend, hold or collect money.
- It does not send messages by itself. One tap opens your own WhatsApp with the message ready.
- It does not track stock or record cash fills.
- It does not let a transporter sign up alone: the pump invites him with a link on WhatsApp. A pump starts on its own in the Pump app.
In this section
Questions people ask
01What is Khata Kavach?
A shared credit book between a petrol pump and the transporters it gives diesel on credit. By default the transporter sends a request, the nozzle man records the fill, and both sides see the same line and the same bills.
02Is the Khata Kavach app on Google Play?
Not yet. Both apps open in the phone's browser today, and Android apps are coming to Google Play. There is no iPhone app.
03Does Khata Kavach give loans or hold my money?
No. You set the credit limit for each transporter. He pays you directly and you record it. Khata Kavach keeps the account and never lends or holds money.
04Which pumps is Khata Kavach for?
Petrol pumps of any oil company that give diesel and petrol on credit to regular customers who come in their own trucks or vehicles: transporters, fleet owners, bus and tractor owners. It is not connected with any oil company.
05How much does Khata Kavach cost?
The price depends on your pump, so call us. A person answers the phone from 9am to 9pm, every day.
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.