MunshiA Pakistani shop in Dubai, Riyadh, Manchester or Houston can keep its Munshi book in the money it actually handles, by typing that currency code on the shop. Munshi is the khata app from DIGIT. The field is labelled Currency (e.g. PKR). In Urdu the same hint is کرنسی (مثلاً PKR). It is a text box, not a list of flags and not a rate board. This page exists only because that box accepts a code other than PKR. It is not a claim that Munshi files VAT, zakat paperwork or a foreign tax return.
What the app really does with the code
When you create the shop, the box starts as PKR. The letters are set to come out in capitals. If you clear the box, the app stores PKR. If you type AED, SAR, GBP or USD, that is what it stores. Later, Shop settings (کاروبار کی ترتیبات) shows the same field, with business name and address, and you can change it there too. Prefer capitals. PKR is special only in the way amounts are drawn: the screen shows Rs and a space. Every other code is shown as the code you saved, then a space, then the number. A balance of 200 on an AED shop reads as AED 200. It does not read as a converted pile of rupees.
There is no exchange rate to edit, and no “switch currency” button that recalculates the book. The amount on each entry is the number you typed. If you enter 200, the book holds 200. Changing the shop from AED to PKR afterwards would put Rs in front of those same 200. It would not turn dirhams into rupees. Set the code before you type opening balances. If you already typed a month of figures in the wrong code, fix the code only with a plan: export a statement, correct the shop, and re-enter balances you have checked. Do not hope the phone will do arithmetic it does not contain.
The grouping of digits follows the same number style the app uses for Pakistan. What changes is the letters in front. If a local habit writes dirhams differently, read the figure carefully the first week. The words around it, You gave and You got, stay the feature you came for.
One country, one business, one code
A grocery in Sharjah that also has a brother running a kiryana in Lahore should not share one book. Add a second business from the name at the top of Home. Munshi allows up to five. Each business has its own customers, Cash Book, bank accounts, expenses and currency. The Sharjah shop’s code is AED. The Lahore shop’s code stays PKR. Switching businesses is how you switch books. Details of that split are in several businesses in one app.
Inside one shop, do not keep “Ali, riyals” and “Ali, rupees” as a homemade system of notes. You will add them together by eye and be wrong. If a customer truly pays you in a second currency, convert it yourself, outside the app, into the shop’s currency, and enter that one number. Write the rate you used in the note if you need to remember the conversation. The app will not check your rate. That honesty belongs in the note because Munshi will not pretend to be a money changer.
The same day, in dirhams or pounds
The routine does not change with the country. A credit sale is You gave on the customer for the amount in the shop’s currency. A cash sale is Cash in. A payment of old credit is You got and, if the cash went into the till, Cash in as well. A supplier you have not paid is You got on the supplier. The full meaning of those buttons is in how to keep an udhaar ledger and the supplier khata. Read the amount with your code in front of it and ignore the habit of saying “rupees” if the till is in dirhams, riyals, pounds or dollars.
Bank accounts are still just accounts you name. “FAB” or “a high-street bank” is a name you type. Deposit and Withdrawal use the same numbers as the shop currency. Munshi does not connect to the bank. The evening match is still your eyes against the statement. Expenses are categories you name in whatever language you work in. The app itself is English or Urdu. A shop in the UK does not get a third language from this field. The currency code does not translate the screens.
WhatsApp reminders use the balance formatted in the shop currency. You open Reminders, tap Send reminder, read the draft, and press Send yourself. The steps are in sending a reminder in Munshi. The tone is in polite payment reminders. Nothing is sent automatically. A customer in Jeddah should see SAR on the amount if that is the code you saved, which is why the test entry in the steps matters before you message anyone.
Offline, backups, and what not to expect
A stall with weak data still enters the line. It syncs later. That behaviour is described in offline use without a subscription. Back up from Settings, Backup & restore, including Google Drive if you want a copy off the phone. A handset is easy to lose in a new city. The backup steps are in Google Drive backup.
Do not expect a currency drop-down with every country’s symbol, a live rate, stock, invoices, barcodes, or staff logins. Do not expect the app to know UAE, Saudi, UK or US sales-tax rules. Those are outside this khata. Munshi is free to download on Android and iPhone. On the App Store the listing title is Munshi Khata App. Ads marked Ad support the servers and are not shown during entry, sign-in, unlock or sending a reminder. Names, phone numbers and amounts are not shared with advertisers.
If you are comparing ledgers before you move a whole market’s udhaar across, read Munshi and a bahi khata and Munshi and DigiKhata, then run one week in the currency you typed. The test is simple. A credit of 150 shows your code, a payment reduces that same 150, and the till count matches the Cash Book. If the letters in front are wrong, fix the code before the week gets long.