Guides for Pakistani and South Asian businesses outside Pakistan: the UAE, Saudi Arabia, the UK, the USA, India and Bangladesh. Munshi keeps each business in its own currency.
Munshi can keep a shop’s books in a currency other than the rupee. On the shop setup screen, and later in Shop settings, you type a currency code such as AED, SAR, GBP or USD in place of PKR. Amounts then show that code. Munshi, from DIGIT, does not convert currencies, and it is not a menu of exchange rates.
If you run a grocery, cafeteria, mobile shop or trading business in Dubai, Sharjah or Abu Dhabi and still keep a paper khata, Munshi records customer credit in AED, in Urdu or English, without internet, for free. It is a credit ledger and cash book, not VAT or accounting software.
Pakistani-run baqalas and small shops in Riyadh, Jeddah, Dammam and Makkah run on monthly credit. Munshi keeps that credit in SAR, in Urdu or English, offline and free, with WhatsApp reminders on salary day. It does not replace ZATCA e-invoicing.
The best khata app for a UK small business is one that works offline, runs in the language your staff and customers read, costs nothing for the basics, and lets you export records for your accountant. Munshi is a free Urdu and English khata with a currency setting for GBP. It records credit, cash and expenses, but it is not HMRC-recognised tax software.
Munshi is a good fit for a UK small business that gives customers credit and wants a free, offline record in Urdu or English, with amounts shown in GBP. It is not a good fit if you need VAT, invoicing, payroll or anything HMRC-recognised. Used beside accounting software or an accountant, it covers the informal credit and cash that tax software misses.
Desi grocery stores, halal butchers, restaurants and gas stations in the US often keep house accounts for regular customers on paper. Munshi records those tabs in USD, in Urdu or English, for free, with WhatsApp or SMS-free reminders. It is not bookkeeping or sales-tax software.
The best free khata app for an Indian shop depends on whether you need UPI, GST bills and Indian languages. Check what “free” locks, offline entry, backup and exports. Munshi is a free khata built for Pakistan: you can set the currency to INR, but it has no UPI, GST or Indian-language screens, so Indian shops should weigh that honestly.
Bangladeshi shopkeepers have several baki khata apps to choose from, most with Bangla built in. Munshi supports taka (BDT) and works offline for free, but it is in English and Urdu only, not Bangla. Here is what to check in any khata app and when Munshi is, and is not, the right choice.
Urdu-speaking business owners in the US and elsewhere can find apps for bookkeeping, invoicing, messaging and stock, but few run properly in Urdu. Check four layers: the menus, right-to-left layout, Urdu data entry and the statements customers read. Munshi is a bilingual Urdu and English khata with a currency code such as USD, for informal credit, not a US tax or invoicing system.
A khata is the record of who owes you and whom you owe. These guides explain how to keep one that balances, how much credit to give, how to fix mistakes and how to move from paper to a phone.
Honest comparisons between Munshi and other khata apps, written by the maker of Munshi and marked as such. Each one says where the other app is the better choice.
Simple bookkeeping for a small shop: a daily cash record, the day’s closing, expenses, bank and wallet payments, profit and loss, and zakat. Plain words, no accounting degree needed.
How different businesses keep their khata: kiryana stores, pharmacies, wholesalers, mobile shops, tailors and freelancers. Each guide uses that trade’s real credit patterns.
Step-by-step guides to Munshi itself: getting started, reminders, statements, backup and restore, import, several businesses and sign-in.
Munshi