Facts checked on 27 October 2026. Published by MDG Services on 31 October 2026.
What ageing is
This page is for a petrol pump whose regular transporters take diesel on credit.
Ageing is how long each part of a transporter's balance has been owed. Count the days from the fill (or the bill) to today. Then match the bands to your credit period: if you gave 30 days, the first two bands are still inside the agreed time, and the 31 to 60 band is late.
The four bands
| Band | Risk | What to do |
|---|---|---|
| 0 to 15 days | Low | Nothing. Check that the bill went out. |
| 16 to 30 days | Watch | If your agreed days are over, one polite message with the amount and a date. See reminder messages. |
| 31 to 60 days | High | Call. Ask for a date or agree part payments. Hold new credit until a date is agreed. |
| Over 60 days | Highest | Stop new credit. Send a written demand. Check the time limit. |
A made-up example
Made-up pump, made-up figures. Gupta Transport owes Sharma Fuels Rs 1,25,000 for diesel.
| Band | Owed now | After Rs 20,000 paid against the oldest fills |
|---|---|---|
| 0 to 15 days | Rs 40,000 | Rs 40,000 |
| 16 to 30 days | Rs 35,000 | Rs 35,000 |
| 31 to 60 days | Rs 30,000 | Rs 30,000 |
| Over 60 days | Rs 20,000 | Rs 0 |
| Total | Rs 1,25,000 | Rs 1,05,000 |
Rs 50,000 of the Rs 1,25,000 (30,000 + 20,000) is older than 30 days. The total alone does not show that. Sharma Fuels asks for the over-60 money first, and the oldest band is gone once Rs 20,000 is counted against it.
Why old money matters more
The older a fill, the harder it is to settle what was filled and what was paid. Old money also needs a look at the time limit. A transporter with a large total that is all under 15 days old needs no chasing. A smaller total that is all over 60 days old does.
In Khata Kavach
When a transporter's balance sits in more than one band, his page shows how old it is, in these same four bands. The Today screen lists transporters who are near or past their limit. See the owner's Today screen.
Questions people ask
01What does an ageing report mean?
It is a list of what each transporter owes, split into age bands like the table above. Accountants call it debtors ageing. For a pump, one page per transporter is enough.
02Does ageing count from the bill date or the fill date?
Either, if you use the same one every time. The fill date is stricter, because the diesel went into the truck that day. Khata Kavach puts a date on every fill, bill and payment.
03Overdue payment days: how late is too late?
That is your rule, set before the next credit fill. For example, stop new credit at 30 days past the due day. See when to stop credit.
04Bakaya kitna purana hai, kaise dekhein?
Write the fill date beside each amount and add the amounts up by band, as in the example. In Khata Kavach, open the transporter's page and look at how old the balance is.
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.