Udhar Lo: Khata & Billing Book

Manage customer khata, invoices, inventory & billing with ease. Udhar Lo is your all-in-one digital khata book, ledger manager, billing, and inventory solution designed for shopkeepers, small business owners, freelancers, and merchants. Replace your traditional paper bahi-khata and manage your daily ledger records with 100% accuracy, security, and convenience. Whether you run a retail store, wholesale business, grocery shop (Kirana), or want to maintain simple personal bookkeeping records, Udhar Lo makes record-keeping fast and hassle-free. Digital Khata & Customer Ledger • Record credit (Jama) and debit (Udhar) entries in seconds. • Separate ledger profiles for Customers and Suppliers. • View real-time balance calculations and net receivables/payables. • Search, filter, and view full transaction history at any time. Voice-Powered Quick Entry • Add transaction entries effortlessly using smart voice input. • Speak entry details and let the app automatically record amounts and names. Professional Invoices & Billing • Generate clear, clean PDF bills and invoices on the go. • Share bills directly with customers via WhatsApp, SMS, or email. • Print invoices instantly with built-in printing support. Stock & Inventory Management • Track product quantities and monitor low-stock alerts. • Update item rates, stock adjustments, and inventory value smoothly. Business Analytics & Reports • Visual charts and graphs showing sales flow, income, and pending balances. • Download detailed PDF and Excel/CSV reports for accounting and bookkeeping. Payment Reminders & UPI QR Codes • Send gentle payment reminder messages directly on WhatsApp. • Generate shop UPI / QR codes for customer counter settlements. Safe, Secure & Cloud Backed • Keep your records safe with automatic cloud backup. • 100% data privacy and secure offline-first storage. Ideal for: • Kirana stores, General Stores, and Provision Shops • Medical stores and Pharmacy shops • Apparel, Garment, and Tailoring shops • Mobile recharge and Electronics shops • Bakery, Snacks, and Juice centers • Small businesses, freelancers, and daily bookkeeping --- DISCLAIMER: Udhar Lo is strictly an accounting, billing, and digital ledger record-keeping utility for merchants and individuals. This app does not provide loans, credit lines, money lending, peer-to-peer lending, or any banking and financial services.