How different businesses keep their khata: kiryana stores, pharmacies, wholesalers, mobile shops, tailors and freelancers. Each guide uses that trade’s real credit patterns.
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.
A kiryana day stays honest when the morning drawer is checked, counter udhaar is written before the customer leaves, and the evening cash count matches the cash book. Munshi, from DIGIT, keeps the people, the drawer and the expenses on one phone, in English or Urdu. It does not count packets on the shelf.
A medical store can keep credit customers and a daily cash book in Munshi, the khata app from DIGIT, the same way a shop keeps any other udhaar. The entry is a name, a date and an amount. It is not a diagnosis, a batch number or an expiry date, and Munshi does not give medical advice or track stock.
A small distributor’s book has two directions at once: shopkeepers who owe you, and mills or companies you still have to pay. Munshi, from DIGIT, keeps both as accounts, customers on one side and suppliers on the other. It does not track cartons, invoices or barcodes.
A mobile shop runs on several kinds of credit at once: easy-load on account, phones sold on instalments, repairs paid on collection, and supplier credit from the market. Munshi keeps each one clear, in Urdu or English, free and offline. It does not track handset stock or IMEIs.
Record the full price as You gave and each advance as You got, so the balance shows what is left to collect. Add the order number and delivery date in a note, and a photo of the design or measurements.
Freelancers lose money to unpaid milestones and forgotten balances, not to bad work. A khata app gives every client an account, every invoice or advance an entry, and a polite reminder in one tap. Munshi does this for free, in rupees or dollars, in Urdu or English.
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 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.
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.
Step-by-step guides to Munshi itself: getting started, reminders, statements, backup and restore, import, several businesses and sign-in.
Munshi