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  <title>The Munshi blog</title>
  <link>https://munshi.com.pk/blog</link>
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  <description>Practical guides for small businesses on keeping a khata, getting paid on time and using Munshi, from DIGIT.</description>
  <language>en</language>
  <item>
    <title>How to manage multiple businesses in one app (a separate khata for each)</title>
    <link>https://munshi.com.pk/blog/manage-multiple-businesses-one-app</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/manage-multiple-businesses-one-app</guid>
    <pubDate>Sat, 17 Oct 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Manage two or more businesses in one khata app in Pakistan: a separate khata for each shop with its own customers, cash book, bank, expenses and backups.</description>
  </item>
  <item>
    <title>Munshi app review for Pakistan (2026): what it does well, what it doesn’t, and who it’s for</title>
    <link>https://munshi.com.pk/blog/munshi-app-review-pakistan</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/munshi-app-review-pakistan</guid>
    <pubDate>Fri, 16 Oct 2026 09:00:00 +0500</pubDate>
    <category>Review</category>
    <description>An honest Munshi app review for Pakistan: offline use, Urdu, WhatsApp reminders and backups, plus what it does not do. By the makers, with limits stated.</description>
  </item>
  <item>
    <title>One account, up to five businesses: what’s new in Munshi 1.0.11</title>
    <link>https://munshi.com.pk/blog/munshi-1-0-11-several-businesses</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/munshi-1-0-11-several-businesses</guid>
    <pubDate>Thu, 15 Oct 2026 09:00:00 +0500</pubDate>
    <category>Product update</category>
    <description>Munshi 1.0.11 lets you run up to five businesses on one account, with separate customers, books and backups for each. Here is how it works.</description>
  </item>
  <item>
    <title>Ramzan and Eid udhaar: how to manage seasonal credit in your shop</title>
    <link>https://munshi.com.pk/blog/ramzan-eid-udhaar-seasonal-credit</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/ramzan-eid-udhaar-seasonal-credit</guid>
    <pubDate>Wed, 14 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>Manage Ramzan and Eid udhaar in your Pakistani shop: set credit limits, agree dates after salaries, record every sale and collect politely once the season ends.</description>
  </item>
  <item>
    <title>How to send payment reminders on WhatsApp (with polite Urdu and English messages)</title>
    <link>https://munshi.com.pk/blog/polite-payment-reminders</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/polite-payment-reminders</guid>
    <pubDate>Tue, 13 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>How to send a polite payment reminder on WhatsApp for udhaar in Pakistan: copy-paste Urdu and English messages, the right timing, and a one-tap method.</description>
  </item>
  <item>
    <title>Which khata app works offline without a subscription? How to check before you commit</title>
    <link>https://munshi.com.pk/blog/offline-khata-app-no-subscription</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/offline-khata-app-no-subscription</guid>
    <pubDate>Mon, 12 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>Which khata app works offline without a subscription? What offline really means, a 5-minute airplane-mode test and how Munshi handles sync, backups and cost.</description>
  </item>
  <item>
    <title>Why Munshi is free, and what the ads do (and don’t) do</title>
    <link>https://munshi.com.pk/blog/why-munshi-is-free</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/why-munshi-is-free</guid>
    <pubDate>Sun, 11 Oct 2026 09:00:00 +0500</pubDate>
    <category>Behind the app</category>
    <description>An honest explanation of how Munshi stays free: a few small ads pay for servers, and your customers’ names, numbers and amounts are never shared.</description>
  </item>
  <item>
    <title>What app can create business reports in both Urdu and English?</title>
    <link>https://munshi.com.pk/blog/business-reports-urdu-english-app</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/business-reports-urdu-english-app</guid>
    <pubDate>Sat, 10 Oct 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Which app creates business reports in both Urdu and English? Make Cash Book, expense, profit and loss and bank reports as PDF or Excel in either language.</description>
  </item>
  <item>
    <title>Best free khata app in Pakistan (2026): what to look for before you choose</title>
    <link>https://munshi.com.pk/blog/best-free-khata-app-pakistan</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/best-free-khata-app-pakistan</guid>
    <pubDate>Fri, 09 Oct 2026 09:00:00 +0500</pubDate>
    <category>Buyer’s guide</category>
    <description>Best free khata app in Pakistan: nine checks for choosing a bahi khata alternative on Android, covering Urdu, offline use, backups and privacy.</description>
  </item>
  <item>
    <title>How to read a profit and loss report for a small shop</title>
    <link>https://munshi.com.pk/blog/profit-and-loss-report-small-shop</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/profit-and-loss-report-small-shop</guid>
    <pubDate>Thu, 08 Oct 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>How to calculate and read a profit and loss report for a small shop in Pakistan: sales, cost of goods, expenses, a worked example and common mistakes.</description>
  </item>
  <item>
    <title>How to manage udhaar digitally: a simple customer credit tracking system</title>
    <link>https://munshi.com.pk/blog/manage-udhaar-digitally</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/manage-udhaar-digitally</guid>
    <pubDate>Wed, 07 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>How to manage udhaar digitally with a digital khata app: record credit in one tap, see who owes you, send reminders and keep customer credit tracking accurate.</description>
  </item>
  <item>
    <title>“Mujhe yaad nahi”: how to settle a customer dispute with proof</title>
    <link>https://munshi.com.pk/blog/settle-customer-dispute-khata-proof</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/settle-customer-dispute-khata-proof</guid>
    <pubDate>Tue, 06 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>How to settle a customer dispute over udhaar in Pakistan: stay calm, show a dated statement, use notes and photos, agree and correct, and prevent the next one.</description>
  </item>
  <item>
    <title>Khata app for Android in Urdu: how to set it up in ten minutes</title>
    <link>https://munshi.com.pk/blog/khata-app-android-urdu-setup</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/khata-app-android-urdu-setup</guid>
    <pubDate>Mon, 05 Oct 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Set up a khata app for Android in Urdu in ten minutes: install, sign in with your number, switch to Urdu, add customers and share Urdu statements and reminders.</description>
  </item>
  <item>
    <title>How to create a customer statement in Urdu (PDF or Excel) and share it on WhatsApp</title>
    <link>https://munshi.com.pk/blog/customer-statement-pdf-urdu-whatsapp</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/customer-statement-pdf-urdu-whatsapp</guid>
    <pubDate>Sun, 04 Oct 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Generate a customer statement PDF in Urdu and share the khata statement on WhatsApp, plus Excel reports for your small business in Pakistan.</description>
  </item>
  <item>
    <title>How to fix a wrong entry in your khata: edit, delete, restore and flip a balance</title>
    <link>https://munshi.com.pk/blog/fix-wrong-entry-khata</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/fix-wrong-entry-khata</guid>
    <pubDate>Sat, 03 Oct 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Fix a wrong entry in your khata app: edit an amount, delete an entry, restore it from the Recycle bin within 14 days and flip a balance shown backwards.</description>
  </item>
  <item>
    <title>What app should you use to manage cash in and cash out for a small business?</title>
    <link>https://munshi.com.pk/blog/cash-in-cash-out-app-small-business-pakistan</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/cash-in-cash-out-app-small-business-pakistan</guid>
    <pubDate>Fri, 02 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>What app should you use to manage cash in and cash out? How a small business cash book app works, what to look for, and how to close your day in five minutes.</description>
  </item>
  <item>
    <title>Getting paid faster as a small business in Pakistan: reduce udhaar losses</title>
    <link>https://munshi.com.pk/blog/get-paid-faster-small-business-pakistan</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/get-paid-faster-small-business-pakistan</guid>
    <pubDate>Thu, 01 Oct 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>How small businesses in Pakistan collect payments faster and reduce udhaar losses: credit limits, due dates, reminders and cash flow tips for shopkeepers.</description>
  </item>
  <item>
    <title>How to record supplier payments and track what you owe (supplier khata)</title>
    <link>https://munshi.com.pk/blog/supplier-khata-track-what-you-owe</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/supplier-khata-track-what-you-owe</guid>
    <pubDate>Wed, 30 Sep 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>How to keep a supplier khata: record purchases on credit and supplier payments, see what you owe at a glance, and plan payments so cash never runs short.</description>
  </item>
  <item>
    <title>How to back up business records on Google Drive (and protect your business data on your phone)</title>
    <link>https://munshi.com.pk/blog/backup-business-records-google-drive</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/backup-business-records-google-drive</guid>
    <pubDate>Mon, 28 Sep 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Back up your khata and business records on Google Drive from an Android phone in Pakistan, protect your data with App Lock and recover after a lost phone.</description>
  </item>
  <item>
    <title>Cash book vs khata vs bank book: what each one is for</title>
    <link>https://munshi.com.pk/blog/cash-book-vs-khata-vs-bank-book</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/cash-book-vs-khata-vs-bank-book</guid>
    <pubDate>Sat, 26 Sep 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>Cash book vs khata vs bank book explained for small businesses in Pakistan: what each records, the questions it answers and a worked example.</description>
  </item>
  <item>
    <title>How to track business expenses in Pakistan with a simple cash book app</title>
    <link>https://munshi.com.pk/blog/business-expense-tracker-pakistan</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/business-expense-tracker-pakistan</guid>
    <pubDate>Fri, 25 Sep 2026 09:00:00 +0500</pubDate>
    <category>How-to</category>
    <description>Track business expenses in Pakistan with a simple cash book app: daily expense entries in Urdu, categories, Cash Book and a profit estimate, step by step.</description>
  </item>
  <item>
    <title>Munshi vs bahi khata: paper ledger or khata app? An honest comparison</title>
    <link>https://munshi.com.pk/blog/munshi-vs-bahi-khata</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/munshi-vs-bahi-khata</guid>
    <pubDate>Tue, 22 Sep 2026 09:00:00 +0500</pubDate>
    <category>Comparison</category>
    <description>Munshi vs bahi khata compared honestly: a paper ledger versus a free khata app in Pakistan, plus how to judge free and paid khata apps fairly.</description>
  </item>
  <item>
    <title>Paper khata to digital: how to move your bahi khata to a mobile app</title>
    <link>https://munshi.com.pk/blog/paper-khata-to-digital-app</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/paper-khata-to-digital-app</guid>
    <pubDate>Sun, 20 Sep 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>Move from a paper bahi khata to a digital ledger app in Pakistan: a step-by-step plan, what to enter first and how to run both for a week.</description>
  </item>
  <item>
    <title>Seven small habits of a khata that always balances</title>
    <link>https://munshi.com.pk/blog/keep-a-khata-that-balances</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/keep-a-khata-that-balances</guid>
    <pubDate>Fri, 18 Sep 2026 09:00:00 +0500</pubDate>
    <category>Guide</category>
    <description>Simple, practical habits for keeping a customer credit khata and daily cash book accurate, from recording at the moment of sale to checking the cash at close.</description>
  </item>
  <item>
    <title>Why we built Munshi: a khata app made for how Pakistan does business</title>
    <link>https://munshi.com.pk/blog/why-we-built-munshi-for-pakistan</link>
    <guid isPermaLink="true">https://munshi.com.pk/blog/why-we-built-munshi-for-pakistan</guid>
    <pubDate>Thu, 17 Sep 2026 09:00:00 +0500</pubDate>
    <category>Our story</category>
    <description>Why DIGIT built Munshi: a free, offline, Urdu-ready khata app for Pakistani shopkeepers who run credit on paper registers, memory and WhatsApp.</description>
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