Digital khata for Indian retailers & wholesalers

Every rupee of udhar - tracked.
Every bill - settled.

India's digital khata & GST invoice app: track udhar & jama, create credit notes, manage vendor ledger, payments & stock, and import CSV - all from one cloud account. WhatsApp reminders unlock on Business & Enterprise.

6 invoice PDFs Credit notes Payments hub Stock alerts GSTR-1 CSV (paid)
Create free account See features
Indian shop owner Retail business owner Kirana store owner
Built for kirana, wholesale & service shops No credit card to create an account
UdharHub
UH
Total Baaki Hai
₹48,500
Customers
23
Invoices
12
Collected
₹8.2k
Recent activity
R
Ramesh · Udhar
INV-2026-0042
₹3,200
P
Priya · Payment
Cash · Receipt
−₹1,800
C
Credit note
Return · Restock
−₹800
Free trial to start Customer & vendor ledgers GST invoices · 6 PDF styles Credit notes Payments hub Item stock & alerts CSV import 1-click WhatsApp reminders Reports & GSTR-1 CSV Expenses (paid plans) Free trial to start Customer & vendor ledgers GST invoices · 6 PDF styles Credit notes Payments hub Item stock & alerts CSV import 1-click WhatsApp reminders Reports & GSTR-1 CSV Expenses (paid plans) Free trial to start Customer & vendor ledgers GST invoices · 6 PDF styles Credit notes Payments hub Item stock & alerts CSV import 1-click WhatsApp reminders Reports & GSTR-1 CSV Expenses (paid plans)
Who it’s for

Built for Indian shops that need clear books

Kirana, wholesale, or local service - one cloud desk for customer credit, GST bills, payments, and stock.

Indian kirana grocery store shelves

Kirana & retail

Udhar for regular customers, jama entries, low-stock alerts on fast movers.

Wholesale warehouse inventory boxes

Wholesale & traders

GST invoices, purchase bills, vendor payables, and payment history in one place.

Business desk with invoices and calculator

Service & local business

Credit notes for returns, payment receipts, GSTR-1 CSV for your CA.

Why shops switch

Clearer books. Faster follow-ups.

What UdharHub actually gives you - not guesswork on paper.

Live ledger
Udhar / Jama balances
update as you record entries & bills
Accurate due
Total − Paid − Credited
invoices, payments & credit notes linked
Cloud access
Phone or desktop
HTTPS login - books stay with your account
₹0 setup
Free plan to start
upgrade when you need higher limits
Retailer accepting payment at shop counter
Invoice due
Total − Paid − Credited
Paid ₹5,000
CN ₹520
Due ₹12,480
Billing that stays accurate

Invoice, payment & credit note - connected

Raise a GST invoice with your preferred PDF style. Record partial payments. Issue a credit note for returns - the customer balance and invoice due update together. No double notebook math.

  • Six PDF templates: Classic to Boxed
  • Payments hub for money in & money out
  • Optional restock when you credit a return
Explore all modules
Why Switch?

Purana Tarika vs Naya Tarika

Stop losing money with the old notebook method. Join the digital revolution.

Purana Tarika
Notebook Method
Manual writing - easy to make mistakes
Lost notebook = Lost all money forever
Manual calculations cause errors
Awkward to follow up with customers
No business reports or insights
Fire / water can destroy everything
Cannot send payment reminders
RECOMMENDED ✓
Naya Tarika
UdharHub Digital
Cloud books - sign in on phone or desktop
Automatic balance updates as you record entries
Clear payment history for every customer
1-click WhatsApp reminders you send (Business+)
GST invoices, credit notes, purchase bills & stock
Payments hub + receipts, CSV import
Reports & GSTR-1 helper CSV (paid plans)
Features

Everything You Need to Grow Your Business

Ledger, billing, credit notes, payments, stock, and reports - designed for how Indian shops actually run.

GST invoices · 6 PDF styles

Tax invoices with Classic, Modern, Premium, Minimalist, Compact & Boxed templates - print-ready for your shop brand.

Credit notes

Returns and rate adjustments against invoices. Due updates automatically; optional stock restock on returns.

Payments hub

Money in from invoices and money out to vendors in one list - with payment receipts and PDF/CSV export.

Stock + CSV import

Low-stock alerts and history. Bulk-import customers, vendors, and items from CSV to get started fast.

Reports & GSTR-1 CSV

Dashboard receivables, cash-flow reports, and GSTR-1 invoice/HSN CSV for your CA (GSTR-1 on paid plans).

1-click WhatsApp reminders

Open a ready WhatsApp message with the balance. You send it - available on Business & Enterprise plans.

See all features
Shop day

Sell → collect → adjust → remind

A clear path from invoice to payment to credit note - without jumping between apps.

01

Sell / udhar

GST invoice or give/got. Stock & balance update together.

02

Collect

Partial or full payment. Receipts from the payments hub.

03

Credit note

Returns & rate changes. Due = Total − Paid − Credited.

04

Remind

1-click WhatsApp message you send - honest follow-ups.

How It Works

Start in 3 Easy Steps

No training class needed - open in the browser and begin.

Person signing up on a smartphone
01

Create your account

Sign up with OTP, add your shop profile - GSTIN optional until you need it.

Team reviewing customer list on laptop
02

Add parties & items

Customers, vendors, catalog - or import CSV. Deactivate old parties anytime.

Mobile payment and digital wallet concept
03

Bill, track & collect

Invoices, payments, credit notes, vendor bills - and WhatsApp reminders you send.

Guides

Learn digital khata the practical way

Short guides for GST invoices, credit notes, udhar collection and app comparisons.

Basics
What is a digital khata?
Read guide →
GST billing
GST invoice for kirana shops
Read guide →
GST billing
Credit notes explained
Read guide →
Collections
WhatsApp payment reminders
Read guide →
Browse all guides
FAQ

Frequently Asked Questions

Everything you need to know about UdharHub.

Still have questions? Contact support →
Start Your Digital Khata Today

Ready to Go Digital?

Get started with UdharHub today to grow your business, recover money faster, and never lose a single rupee record again.

Create free account
No credit card required Free plan to start Setup in minutes