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A kiryana store runs on small, frequent credit. Record each udhaar at the counter, count the cash at closing, remind on a set day each week and keep a separate khata for suppliers.
Decide each customer’s limit and due date before you give credit, write it in the note, and say it kindly. Munshi does not block credit at a limit, so you track it through each customer’s balance.
Keep one page per customer with a date, an amount, what it was for and a running balance, update it the moment credit is given or paid, and look at the total every week. A khata app does the adding and the remembering.
Close a small shop’s day in four moves: read the opening cash, record cash in, record cash out, and count the drawer once against Munshi’s Cash Book. Munshi, from DIGIT, keeps that running balance on the phone. It does not replace the count, and it does not file the khata for you.
Eight practical habits to collect payments, protect your cash flow and lose less to unpaid udhaar, written for dukandaars.
Ramzan and Eid bring the busiest weeks of the year, and the biggest udhaar. A plan for giving credit safely and collecting it afterwards.
A daily cash record has five lines: opening cash, cash in, cash out, closing cash and the difference from what you counted. Keep it on paper or in a cash book app, and close it every evening.
Three records, three questions. Learn which book answers which question, and how a small business uses all three.
Excel is fine for a short list you update at a desk. A khata app is better once you record credit at the counter, need reminders, work offline on a phone or share statements with customers.
Set up a digital khata for customer credit in an afternoon, and keep it accurate in a few seconds a day.
You don’t need accounting training. You need the same few habits, every day.
In Munshi you open Reminders, choose the person, and tap Send reminder. WhatsApp opens with the name, the shop and the amount already written. You read it and you press Send. Munshi, from DIGIT, does not send the message for you, and it does not send an SMS on its own.
Free on Android and iPhone. Your khata, in English or Urdu, even offline.
Munshi