Facts checked on 19 October 2026. Published by MDG Services on 19 October 2026.
These pages explain, in plain words, how businesses in India sell goods on credit to regular customers, keep the account and get paid, and where Khata Kavach fits. MDG Services writes and publishes them. MDG Services also makes Khata Kavach, so read every comparison knowing that.
How we write them
- Facts about Khata Kavach come from the apps themselves. We describe only what the apps do today.
- Facts about another app come only from that company's own website, help pages or app store listing, and each page shows the date we last checked them. Where we could not find something on their pages, we say "we did not find it", not that the app cannot do it.
- Where another app does more than Khata Kavach, we say so.
- Where a page explains a law, we name the Act and section beside the rule so you can read the official text. It is the general position in India, not advice for your case.
- Examples use made-up businesses, customers and figures, and say so.
- We do not use other companies' logos or screenshots of their apps.
If something is wrong
Write to the address at the foot of the page. We check every message and correct or remove the page.
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 Check the app's own website before you decide, and tell us if anything here is out of date: we will correct it.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.
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.