MunshiChoose Munshi if you want one free download, Urdu statements and a reminder that waits for you to press Send. Choose OkCredit if you are running an Indian shop and you want the UPI, GST bills and stock tools on its listing, and you are willing to look at a paid plan. We make Munshi. OkCredit’s prices and ratings below are copied from pages we opened in October 2026, not from memory.
Munshi vs OkCredit, checked in October 2026
| What matters | OkCredit | Munshi (DIGIT) |
|---|---|---|
| Publisher | PSI PHI Global Solutions Private Ltd., Bengaluru. Package in.okcredit.merchant | DIGIT. Package pk.digit.munshikhata. Site munshi.com.pk |
| Where it is aimed | Listing says made in India. Languages named are 11 Indian languages, not Urdu | Pakistan. English and Urdu, including right-to-left statements |
| Price that day | Basic: ads, SMS from your own SIM. ₹30 / 30 days unlimited transactions, still with ads. ₹75 / 30 days ad-free, multi-device, bills, stock. ₹99 / 30 days adds unlimited SMS from OkCredit | Free to download. Small ads marked Ad. No subscription. No paid tier for statements |
| Play rating that day | 4.4 stars. Heading 433K reviews; ratings block 431K. Updated 23 October 2026. Contains ads | Do not treat an India review count as a Pakistan recommendation |
| Website rating | okcredit.in/en showed 4.6 and 1 crore+ downloads. That does not match the Play figures above | We quote Munshi’s behaviour, not a star claim |
| Ledger | Customer and supplier credit, reports, offline use, cloud backup | Customer and supplier credit, cash book, bank, expenses, offline sync, phone and Google Drive backup |
| Bills, stock, UPI | Kacha, pakka and GST bills, stock, and UPI collection inside the app, on the listing | No invoices, stock, barcodes or in-app UPI |
| Reminders | Listing says automatic WhatsApp or SMS reminders, and bulk reminders | WhatsApp opens ready text. You press Send. Nothing is automatic |
| Loans | Listing describes loans up to ₹1,00,000 via NBFC partners | Munshi does not lend |
| Privacy lines | Listing says “we do not share your data with anyone”. Data safety says financial info and device IDs may be shared | Names, phone numbers and amounts are not shared with advertisers |
The plans on OkCredit’s own page
The pricing page at okcredit.com/pricing lists a Basic plan that contains ads and can send a transaction SMS from your SIM. Under paid plans it lists Unlimited Transactions at ₹30 (₹1 a day) for 30 days, still with ads, for unlimited daily ledger transactions. Ads Free++ is ₹75 (₹2.5 a day) for 30 days, and the page says it adds no ads, login on more than one device, normal and GST bills, a defaulters view, priority support, desktop access and stock items on transactions. Premium is ₹99 (₹3.3 a day) for 30 days and adds unlimited transaction SMS sent by OkCredit. The page says plan prices will remain stable and will not change in the future. That is OkCredit’s sentence. Prices on the internet still change, so look again before you pay.
The Play listing, package in.okcredit.merchant, is from PSI PHI Global Solutions Private Ltd. in Bengaluru. It says the app contains ads. It was updated on 23 October 2026. The heading showed 4.4 stars from 433K reviews. The ratings block showed 4.4 stars from 431K reviews. The marketing page okcredit.in/en, the same day, showed 4.6 and “1 crore+” downloads. Those two public numbers do not match. We quote both and we do not pick a third number of our own.
What the listing says the app does
OkCredit describes a ledger for money you will receive and money you will pay, with reports, offline use and cloud backup. It describes UPI payments inside the app, including showing a QR and settling the ledger when a payment arrives. It describes kacha, pakka, GST and non-GST bills, stock that moves when you sell, and automatic WhatsApp or SMS reminders, including bulk reminders. It names 11 languages: Hindi, Marathi, Gujarati, Telugu, Tamil, Kannada, Malayalam, Punjabi, Bengali, Hinglish and English. Urdu is not in that list. It describes paperless loans up to ₹1,00,000 through named NBFC partners, with an APR range of 18–24% in the example section. Loan terms are theirs. Munshi does not lend.
Two privacy sentences sit side by side. The listing says “We do not share your data with anyone.” The Play data-safety form says the app may share financial info, app info and performance, and device or other IDs, and that it may collect location, personal info and four other types. We are not accusing anyone of a hidden sale. We are saying a shopkeeper should read both lines, because they are not the same sentence.
How Munshi charges, and what it refuses
Munshi, from DIGIT, has no ₹30 or ₹75 or ₹99 tier. It is free to download. A few small ads, marked Ad, pay for the servers. They are not shown while you add an entry, sign in, unlock the app or send a reminder. PDFs for this month and last month are free. A longer date range or an Excel file opens after a short ad you choose to watch, and the file is still made if no ad loads. That is the whole price story, also written in why Munshi is free.
The work Munshi does is customer and supplier credit, a daily cash book, bank accounts and expenses, in English or Urdu, with right-to-left statements. Offline entries sync later. Backups are on the phone and, if you connect it, in your Google Drive. Five businesses fit on one account. A reminder opens WhatsApp already written. You press Send. Nothing is sent automatically, and there is no “bulk automatic SMS” switch. Customer names, phone numbers and amounts are not shared with advertisers. There is no UPI button, no GST bill and no stock list. If your shop in India needs those, OkCredit’s listing is the one describing them. If your shop in Pakistan needs Urdu udhaar and a cash book, Munshi is the one written for that.
Try the free tier before you pay anyone
On OkCredit, use Basic for a week before you buy Ads Free++. On Munshi, use the normal app, because there is no upgrade to buy. In both, add real customers, turn on airplane mode, and send yourself a reminder so you can see whether it leaves on its own. The day-to-day method is in how to keep an udhaar ledger.
Sources checked in October 2026
- OkCredit pricing. okcredit.com/pricing
- Google Play, OkCredit: Ledger, UPI, Billing, package in.okcredit.merchant. Updated on the page: 23 October 2026. Play listing
- OkCredit marketing page with the 4.6 and 1 crore+ lines. okcredit.in/en/
- Munshi: munshi.com.pk and digit.com.pk.