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Credit app for petrol pumps: who Khata Kavach fits, and who it does not

Short answer

Khata Kavach fits a petrol pump, of any oil company, that gives diesel and petrol on credit to regular customers who fill their own trucks and vehicles: transporters, fleet owners, bus and tractor owners, and contractors' machines. It also fits the transporter on the other side, who sends a request for each truck and sees every fill. At the nozzle, the nozzle man types the last 4 digits of the truck number and sees a green, amber or red light. It does not fit walk-in customers who fill for cash, or a pump that needs GST tax invoices or stock records from the same app.

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 23 October 2026.

The one test: do regular customers fill on credit?

Khata Kavach is a shared credit book between a petrol pump and its regular customers. It fits when the customer has a credit account and sends his truck, with his own driver, to your nozzle. This page is for a pump and its regular customers, not for money lent to a friend.

There are two apps. The Pump app is for the owner, managers and nozzle men. The Transporter app is for the regular customer, who by default sends a request before each truck fills. Both apps open in the phone's browser today. Android apps are coming to Google Play.

How the nozzle knows the truck

The nozzle man types the last 4 digits of the truck number and sees the light. He types the litres and the rupees off the dispenser. There is no rate list in the app: nothing is priced or converted. A truck number can be active with one transporter at a time.

Who it fits

WhoWhat they doFits?
Petrol pumps, of any oil companyGive diesel and petrol on credit to regular customers, by the litreYes: diesel on credit
Transporters (the customer's side)Buy diesel on credit for their trucks, and send a request for each truckYes: the pump adds them. See the transporter's view
Fleet owners, bus and tractor ownersFill their vehicles on credit at the pumpYes, the same way as a transporter
Contractors with machinesTheir machines fill at the pump on the contractor's creditYes, by the vehicle number, the same way

It covers the four fuels the pump sells: diesel, petrol, premium diesel and premium petrol.

Who it does not fit

  • Walk-in customers who fill for cash. It is for regular customers with a credit account.
  • A pump that needs GST tax invoices, stock or accounts from the same app. Khata Kavach makes a numbered bill, not a GST tax invoice. It does not track stock, nozzle readings or shifts, and does not file GST. Use pump or billing software for that: see how billing apps compare.
  • Anyone who wants someone else to carry the credit. You set each transporter's limit and you carry the credit. Khata Kavach never lends and never holds money. The transporter pays you directly and you record it.
  • Businesses that are not petrol pumps. Khata Kavach is built for pumps and their customers only.

What is the same at every pump

By default the transporter sends a request from his own phone. At the nozzle, the nozzle man sees a green, amber or red light. Both sides see every fill as one line once the phone is online, and a correction is a new line. The owner's Today screen shows credit given today, money received and who is near the limit.

A pump starts Khata Kavach on its own, in the Pump app with "Set up your pump", in about a minute. It then adds its own transporters. Hindi is the main language in both apps, with English one tap away.

In this section

Petrol pump credit management: diesel on credit to transportersAn owner's guide to giving diesel on credit to transporters: who gets credit, the limit in rupees, a request before each fill, what to record, billing, and when to stop.
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.

Questions people ask

01Can a petrol pump of any oil company use Khata Kavach?

Yes. It is for pumps of any oil company and is not connected with any oil company. It covers diesel, petrol, premium diesel and premium petrol, by the litre.

02Can a transporter sign up for the Transporter app on their own?

No. The pump adds the transporter and sends an invite link on WhatsApp. The transporter reads the terms and agrees on his phone once, and can then send requests.

03Can a pump that also sells for cash use it?

Yes. Credit fills and money received go in the account. Cash fills do not become lines. When the light is red, the nozzle man can fill that customer for cash.

04What does Khata Kavach cost?

The price depends on your business. Call us on the number shown on this page. A person answers, 9am to 9pm, every day.

Related pages

A month of diesel credit: a worked example with figuresA made-up month of diesel credit: requests, the light at the nozzle, a rupee warning, a manager's PIN past the limit, one bill and a part payment. Every figure adds up.

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.

Report an error or send a legal notice. If you see a mistake, or need to send us a notice, write to hello@mdgservices.in. We read every message, check it, and correct or remove the page.

Limits on our responsibility. We take reasonable care to keep these pages accurate. To the extent the law allows, MDG Services and VRUOOM PRIVATE LIMITED are not responsible for loss caused by relying on this page alone. This does not limit anything the law does not allow us to limit, including responsibility for fraud or for an error we knew about and did not correct. Your legal rights are not affected.

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.

Hindi pages. Hindi pages are written for easy reading and say the same as their English pages. Where a page mentions a law, the official text of that law is the one to follow.

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