04 Udhaar Tracker · Customer credit and dues

Udhaar is trust. Keep it, without losing track of it.

See who owes what, for how long, across every invoice. Send polite reminders on WhatsApp, record part payments in a tap, and let AI Munim tell you whom to call first.

Open a free khata Connect with Sales

Udhaar · Customer dues₹ 55,450 pending

0-15 d

16-30 d

31-45 d

45+ d

Customer	Due (₹)	Days	Late risk
Verma Stores	8,500	32	High
Patel Kirana	14,200	21	Medium
Anand Medicals	6,750	12	Low
Lakshmi Hardware	22,900	46	High
Sri Ganesh Bakery	3,100	6	Low

Ageing at a glanceDues split into 0 to 15, 16 to 30, 31 to 60 and over 60 days for every customer.
WhatsApp remindersA polite message with the amount, invoices and a payment link, in Hindi or English.
Part paymentsRecord ₹2,000 against ₹8,500 and see exactly which invoices it settled.
Who to call firstAI Munim ranks customers by how likely they are to pay late, based on their own history.
Credit limitsSet a limit per customer and get a warning at the counter before you go over it.
Promise datesNote when a customer promised to pay and get reminded on that day.

Udhaar Tracker · Page 1Dues list

Dues list

One list of everyone who owes you, sorted by what matters today.

The dues list shows each customer with total pending, oldest invoice and last payment. Tap a name to see the full party account or send a reminder.

Sort by amount, days pending or likelihood of delay
Filter by area, salesperson or customer group
Collection report for the day, week and month

Reminders are drafted for you and sent only when you approve them.

Udhaar · Customer dues₹ 55,450 pending

0-15 d

16-30 d

31-45 d

45+ d

Customer	Due (₹)	Days	Late risk
Verma Stores	8,500	32	High
Patel Kirana	14,200	21	Medium
Anand Medicals	6,750	12	Low
Lakshmi Hardware	22,900	46	High
Sri Ganesh Bakery	3,100	6	Low

Udhaar Tracker · Page 2Reminders

Reminders

A reminder that sounds like you, not like a bank.

Customers are your relationships. Reminders are written politely, mention the invoices, and carry a UPI link so paying takes one tap. You choose the tone and the timing.

Hindi, English or Hinglish templates you can edit
UPI payment link and invoice PDFs attached
Payment received is recorded and thanked automatically

Verma Stores usually pays within 10 days of a reminder. AI Munim learns patterns like this for each customer.

Reminder · Verma StoresAwaiting approval

Namaste Verma ji, a gentle reminder that ₹8,500 is pending against invoices #471 and #476 (32 days). You can pay here: upi link. Thank you for your continued business.10:42

Ji, kal tak bhej denge.11:05

Promise date noted: 07-10

Approve and send Edit tone

How it works

Three lines in the khata.

1Bill on credit as usual

Every credit sale lands in the Udhaar Tracker with its due date.

2Review the dues list

See ageing and AI Munim priorities each morning.

3Remind and collect

Approve reminders, receive payments, and watch the dues fall.

Questions

About Udhaar Tracker.

See which plan includes Udhaar Tracker

01Can I add old udhaar from my paper khata?

Yes. Enter opening dues per customer, import them from Excel, or photograph the khata page and review the entries AI Munim reads.

02Will customers get messages I did not approve?

No. Reminders are sent only after you approve them, either one by one or as a batch.

03Does it work for suppliers I owe?

Yes. Payables are tracked the same way, so you always know what is due to suppliers and when.

Turn the page

01AI MunimAI accounting assistant 02Bahi KhataLedger, day book, cash book 03GST BillingInvoices, e-invoices, e-way bills 05Bank MatchBank reconciliation 06Expense BookBills, expenses, categories 07GST Returns PrepGSTR-1, GSTR-3B, 2B matching 08Profit ReportP&L, balance sheet, cash flow

Udhaar is trust. Keep it, without losing track of it.

One list of everyone who owes you, sorted by what matters today.

A reminder that sounds like you, not like a bank.

Three lines in the khata.

About Udhaar Tracker.

Start a new khata this month.