MunshiA mobile shop can keep all its credit in one khata app: easy-load and accessories on credit, phones sold on instalments, repairs paid on collection, and stock bought on credit from the market. These are four different money flows, and a paper register mixes them up. Here is a clean way to keep them in Munshi, which is free, works offline, and runs in Urdu or English.
1. Load, packages and accessories on credit
Regular customers take load, bundles, chargers and covers and pay later. Make each regular customer an account and record every credit sale with You gave, with a note like “Jazz load 500” or “Type-C cable”. When they pay, record You got. Use the Hazar key for larger amounts. Quick note chips remember your common notes, so “load” is one tap.
2. Phones sold on instalments
- Add the customer with their phone number and, in the note, the CNIC reference you keep on file.
- Record the full price with You gave, and write the model and IMEI in the note. Attach a photo of the box or the agreement; up to five photos per entry.
- Record the down payment and each instalment with You got.
- Set a due date for the next instalment. Home shows a strip when someone is due today or late.
When an instalment is late, open Reminders and send the WhatsApp reminder with the balance. The statement PDF shows every instalment paid, which settles most arguments.
3. Repairs
For a repair, record any advance with You got and a note of the fault (“screen change, Redmi Note 12”). When the phone is collected, record the full bill with You gave. If the customer pays in full, the account returns to zero. If they take the phone and pay later, the balance shows what is left.
4. Dealers and distributors
Mobile shops usually buy handsets and accessories on credit from the market. Add each dealer as a supplier. When stock arrives on credit, record You got; when you pay the dealer, You gave. Home shows what you owe all suppliers together, beside what customers owe you. See supplier khata.
JazzCash, Easypaisa and bank
Many mobile shops are also wallet agents. Keep each wallet and bank account in the Bank Book so you can see its balance, and write the method on each customer payment. Our guide on recording Easypaisa, JazzCash and bank payments covers the details.
Closing the day
At closing, Today’s closing shows credit given and received, cash in hand, bank and wallet totals, and today’s expenses on one screen. Share it to WhatsApp if a partner or the owner is not in the shop.
What Munshi does not do
- No handset stock or IMEI register.
- No barcode scanning or invoices.
- No load or bill-payment service: it records money, it does not sell load.
A simple credit policy
- Instalments only for customers you know, with ID on file.
- A limit on load credit for each customer, written in their note.
- Repairs: take an advance on expensive parts.
- Remind before the due date, not a week after.
A worked example
A mobile shop in Gujranwala sells a phone for Rs 60,000 on instalments: Rs 20,000 down and Rs 10,000 a month. The owner records Rs 60,000 with You gave (note: “Infinix Hot 40, IMEI on box photo”), then Rs 20,000 with You got. The balance is Rs 40,000. He sets the due date for the 5th of next month. On the 5th, Home shows the customer as due today. The customer pays Rs 10,000; the owner records it and sets the next due date. If a payment is missed, the reminder goes out on WhatsApp with the exact balance, and the statement shows each payment made, so there is nothing to argue about.
Separating the businesses
Some owners keep the wallet and load business separate from handset sales. Munshi holds up to 5 businesses in one account, each with its own customers, cash book and bank. Switch between them by tapping the business name on Home.
Common mistakes
- Recording only payments for instalments. Record the full price first, or the balance shows nothing owed.
- Mixing a customer’s load account with their instalment. Use one account, but write clear notes, or two accounts with clear names.
- No due dates. Without them, late instalments are noticed too late.
- Forgetting dealer credit. Supplier balances matter as much as customer ones when stock is bought on credit.
Staff on the counter
Sign in on the worker’s phone with the same account so both phones share one khata. Deleted entries stay in the Recycle bin for 14 days, so a mistake by staff can be undone. Check Today’s closing every night against the drawer and the wallet balances.
Proof for every sale
For phones on instalments, attach a photo of the signed agreement and the customer’s ID copy you keep on file. If there is ever a dispute, the entry, its date, its note and the photo are together in one place, and the statement PDF can be shared in Urdu or English.
Month-end checklist for a mobile shop
- Filter accounts by Not paid in 30 days and call or remind each one.
- Check every instalment customer has a next due date.
- Compare each dealer’s balance with their own ledger before paying.
- Check wallet balances in the Bank Book against the wallet apps.
- Export a PDF report of the month for your records.
It takes about twenty minutes once everything is in the khata, and it catches small mistakes before they become arguments.
Read how to set a credit limit policy. Munshi is made by DIGIT in Pakistan.