Facts checked on 27 October 2026. Published by MDG Services on 27 October 2026.
Words for the account
| Word | Hindi | Meaning |
|---|---|---|
| Udhar, udhari | उधार, उधारी | Fuel taken now and paid for later. Udhari is the amount owed because of it. |
| Khata | खाता | The account kept for one customer: what you filled on credit, what he paid, what is left. |
| Bahi khata | बही (हाथ का खाता) | The traditional hand-written account book that holds each customer's khata. |
| Ledger | हिसाब की बही | The full list of lines in an account. In Khata Kavach both sides see the same one. |
| Jama, kharch | जमा, ख़र्च | Jama is money received. Kharch is money spent. Jama-kharch records both. |
| Baki, bakaya | बाकी, बकाया | What is still unpaid. Bakaya usually means a larger or older balance. |
| Outstanding | बकाया रकम | The total a customer still owes you. |
| Opening balance | शुरू का बकाया | What the customer already owed on the day you started the new book. Khata Kavach has a box for it when you add a transporter. |
| Advance | एडवांस | Money paid before fuel is filled, or more than what was due. |
Words for limit and time
| Word | Hindi | Meaning |
|---|---|---|
| Credit limit | उधार की सीमा | The most a customer may owe you at one time. You set it for each customer. See how to set a limit. |
| Credit period | उधार के दिन | The days you allow before payment is due, such as 30 days. |
| Due date | भुगतान की तारीख़ | The day payment falls due: the bill date plus the credit period. |
| Ageing | बकाया कितने दिन पुराना है (एजिंग) | How long a balance has been unpaid. Khata Kavach groups it as 0 to 15, 16 to 30, 31 to 60 and over 60 days. |
| Part payment | पार्ट पेमेंट | Paying less than what is due. The bill shows it as part paid and the rest stays due. |
| Statement | स्टेटमेंट | A list of every fill and payment in a period, with the balance at the end. |
Words for bills, tax and payment
| Word | Hindi | Meaning |
|---|---|---|
| Bill | बिल | A numbered page or PDF listing what was filled and the total. |
| Kachcha bill | कच्चा बिल | In trade talk, usually a plain slip or estimate with no tax shown. Not a legal term. |
| Pakka bill | पक्का बिल | In trade talk, a full numbered bill with the seller's details; some traders mean one with tax shown. Not a legal term either. |
| GST tax invoice | GST टैक्स इनवॉइस | The invoice a GST-registered seller issues for taxable goods, with the tax shown. A Khata Kavach bill is not one. Petrol and diesel are outside GST Finance Ministry reply, Rajya Sabha, 21 Jul 2026. |
| Bill of supply | बिल ऑफ़ सप्लाई | A bill some sellers issue instead of a tax invoice when they do not charge GST. Ask your chartered accountant whether it applies to you. |
| TDS | TDS | Tax a buyer may deduct and pay to the government, so you receive that much less. Khata Kavach does not work it out; you type it in as "TDS deducted". |
| UTR | UTR | The reference number of a bank or UPI transfer. |
| UPI QR | UPI QR | A square code the customer scans with a UPI app to pay your UPI ID. The money goes straight to you. |
Words for getting paid, and the law
| Word | Hindi | Meaning |
|---|---|---|
| Cheque bounce | चेक बाउंस | A cheque the bank returns unpaid. It can be an offence if the payee sends a written demand within 30 days of the bank's return memo and the drawer does not pay within 15 days NI Act 1881, s.138. Security cheques and disputed debts may fall outside. See cheque bounce. |
| Legal notice | कानूनी नोटिस | A written demand for payment. In a cheque bounce case it is a required step NI Act 1881, s.138. |
| Acknowledgment of debt | देनदारी की लिखित स्वीकृति | A signed, written statement by the customer that the money is owed. Given before the time limit ends, it starts the period afresh Limitation Act 1963, s.18. Whether a confirmation in an app counts is not settled: it may help as evidence. |
| Limitation period | परिसीमा अवधि | The time within which you can sue. For goods sold on credit: 3 years from delivery when no credit period was agreed Limitation Act 1963, Art. 14, or from the end of an agreed credit period Limitation Act 1963, Art. 15. When many deliveries run on one account, courts differ on when the clock starts. See the time limit. |
| MSME, Udyam | MSME, उद्यम | Micro, small and medium businesses; Udyam is their registration. A payment rule protects registered micro and small suppliers: pay by the agreed date, at most 45 days MSMED Act 2006, s.15. Whether a trader qualifies is doubtful. See the 45-day rule. |
| Mediation | मीडिएशन (मध्यस्थता) | Talks with a neutral person to settle a dispute. Commercial disputes of Rs 3 lakh or more need mediation tried before a suit Commercial Courts Act 2015, s.12A. |
| Summary suit | संक्षिप्त वाद | A faster court case for a fixed sum backed by a written contract or bill CPC, Order XXXVII. Whether a khata counts as a written contract is not settled. |
For the steps in order, see the legal steps in plain words.
General information, not legal advice. For your own case, speak to an advocate or a chartered accountant.
Questions people ask
01Is a Khata Kavach bill a pakka bill?
Traders use "pakka bill" for a full numbered bill with the seller's details; some mean one with tax shown. A Khata Kavach bill is a numbered bill on your letterhead. It does not split out tax, so it is not a GST tax invoice. Petrol and diesel are outside GST; for the bill your state needs, ask your chartered accountant.
02Which of these words does Khata Kavach use on screen?
The Pump app says "Credit left" (लिमिट में बचा) and "Money received" (पैसे मिले), and shows what is still owed. The Transporter app shows the credit left and what the transporter owes, in plain words.
03Does Khata Kavach add interest to what a transporter owes?
No. Khata Kavach keeps the account. It never lends, never holds money and adds no interest. Agree any interest on late payment in writing before the sale. Where nothing is agreed, a court decides Interest Act 1978, s.3.
Related pages
Giving diesel on credit (udhar) to regular customers: a plain guide for petrol pump ownersShould a petrol pump give udhar to regular transporters? The five decisions every pump owner makes, and where to read about each one.
Disclaimer and how we write these pagesWho writes the Khata Kavach pages, how we check facts about other apps and the law, what these pages are not, and how to report an error.
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.