Facts checked on 27 October 2026. Published by MDG Services on 26 October 2026.
This page is for a petrol pump that gives diesel on credit to regular customers such as transporters, not for money lent to a friend.
What "kal dunga" usually means
- The money is not there yet, and the transporter is embarrassed to say so.
- He is waiting for his own client to pay him.
- A line in the account looks wrong to them, and they have not said so.
Before anything else, ask: "Is any line in the account wrong?" Reminders cannot fix a dispute you do not know about.
What to do each time
| The promise | What to do |
|---|---|
| Not missed yet | Ask for a date and an amount, not "kal": "Which date, and how much?" Send it back in a message the same day. Take any part payment now. |
| Missed once | Call the same day and ask what stopped it. Agree a new date and a part payment. Send the statement. |
| Missed twice | Stop new credit until the dues are cleared. Cash fills stay open. Say it kindly, and put the part-payment plan in writing. |
| Missed three times | Send the firm letter from the letter formats, changing its last lines to say credit is already stopped, then the final one if needed. After that see the legal steps. |
Decide the rule before the next credit fill: see when to stop credit.
Words to say
- "Kal ka matlab kaunsi tareekh? Aur kitna aayega?"
- "Aaj Rs 10,000 de dijiye, baaki ki tareekh likh lete hain."
- "Aapke hisaab mein koi line galat lag rahi hai kya?"
- "Naya udhar pichla clear hone par. Cash par diesel aaj bhi milega."
A made-up example
Made-up figures. Gupta ji of Gupta Transport owes Sharma Fuels Rs 48,500 (Bill 14, due 25 October) and says "kal". You ask for a date and an amount: Rs 20,000 on 28 October. He misses it. You call, and he agrees Rs 20,000 on 2 November. He misses that too: the second miss, so new credit stops and you send the statement.
Write it down
Send the date and amount back in one message: "Gupta ji, as we spoke: Rs 20,000 on 2 November. Thank you." Keep the chat. Ready words: the reminder maker and seven reminder messages.
Do not shame the transporter in public or send people to his office. Public shaming or threats can backfire.
Where Khata Kavach fits
A shared credit book such as Khata Kavach shows the transporter each fill and the balance, with its date, as soon as their phone is online, so both sides see the same lines. It keeps the account and does not collect dues.
General information, not legal advice. For your own case, speak to an advocate or a chartered accountant.
Questions people ask
01Customer payment nahi de raha, kya kare?
Do not chase harder. Ask whether any line is wrong, agree a date and amount in writing, take part payments, and stop new credit after the second miss.
02Udhar wala paisa nahi de raha: udhar kab band kare?
A common rule is after the second missed date, but you decide. Tell the transporter the rule when you set the limit. See when to stop credit.
03Customer keeps delaying payment: should I take a part payment?
Yes. Note it, and in the same message write the balance left with a new date, so it is clear the rest is still due.
04Udhari ka paisa kaise nikale without a fight?
Keep it about the account, not the person. Name the amount, ask for a date, send the statement. See udhar vasuli ke upay.
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.