Facts checked on 27 October 2026. Published by MDG Services on 19 October 2026.
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What these pages cover
You run a petrol pump and give diesel on udhar to regular customers. The fuel is real and the customer is known, but the money comes later. The customers are transporters and fleet owners, bus and tractor owners, and contractors whose machines fill at your pump. The truck usually comes in with a driver, not with the owner. These guides are about a pump and its customers, not about money lent to a friend.
Credit has four jobs. Each has its own set of pages.
Deciding who gets credit and how much. Who to say yes to, how large each limit should be, and for how long. Start with giving credit, then who to give credit to and a credit policy you can copy.
Keeping it in hand at the nozzle. The limit only matters if someone checks it before fuel goes in. Credit at the nozzle covers who may say yes, what to do past the limit, and what every fill must record.
Getting paid. Reminders, how old each balance is, when to stop credit, and the legal steps in plain words. Start with getting paid.
Keeping a record both sides trust. An udhar khata (udhar ka hisab) is only as good as its lines. See how to keep a khata and kachcha and pakka bills.
Who it is for
Petrol pumps, of any oil company, that give diesel and petrol on credit to regular customers who come in their own trucks and vehicles: transporters, fleet owners, bus and tractor owners, contractors' machines. And the transporter on the other side, who buys on that credit. See who it is for, diesel on credit: the pump's side and the transporter's side. It is for regular customers with a credit account, not for people who fill for cash.
Where Khata Kavach fits
Khata Kavach is a shared credit book for petrol pumps, from MDG Services, with two apps: the Pump app for the owner, managers and nozzle men, and the Transporter app for the transporter. Both open in the phone's browser, and Android apps are coming to Google Play.
- The transporter sends a request before each truck fills: litres, rupees, or a full tank. No request, no credit by default. For chosen transporters, the owner can let a manager's PIN allow a fill without one.
- At the nozzle, the nozzle man types the last 4 digits of the truck number and sees a green, amber or red light and how much credit is left. By default, past the limit a manager's PIN is needed, unless the owner has set cash only.
- Pump and transporter both see every fill, with a photo if the nozzle man took one. Once a fill has reached the transporter's phone, nothing is edited: a correction is a new line.
- The owner's Today screen shows credit given today, money received, what is still owed, who is near the limit, and which fills look wrong.
It never lends and never holds money. The transporter pays you directly, and you record it.
See the features, worked examples and how it compares with paper and other apps.
Questions people ask
01What is udhar khata?
It is the account of what regular customers owe you for fuel taken on credit. Each transporter has a page of dated lines for fills and payments, with a running balance.
02What should I decide before giving udhar to a transporter?
Five things: who gets credit, how much (the limit), for how long (the credit period), who may say yes at the nozzle, and how each fill is recorded so both sides agree later.
03Is this about lending money?
No. It is about a petrol pump giving its own fuel on credit to its own regular customers. Khata Kavach keeps the account. It never lends and never holds money.
04Do I need Khata Kavach to use these guides?
No. The guides on limits, bills, reminders and the khata work on paper or in any app. Khata Kavach is one way to keep the same record shared with the transporter.
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.