Credit / udhar
Udhar Tracking with a Limit for Every Customer
Udhar tracking is the part of a shop's day nobody enjoys: the khata book, the "I'll pay on the 5th", the regular whose dues have quietly crossed ₹20,000. TripleBill keeps every credit sale on the customer's account, stops a bill that would push them past the limit you set, and gives you a list of who to call today with the message already written.
Good morning, Mohammed 👋
Here's what's happening with your business today.
Total Sales
₹4,82,500
+12.5%
Receivables
₹1,24,300
+8.2%
Expenses
₹86,400
-4.2%
Profit
₹98,700
+14.8%
Sales Overview
This year₹1,24,300
14 Apr 2026
Recent transactions
ABC Traders
Invoice #1045
₹12,500
PaidXYZ Retail
Invoice #1044
₹8,420
PendingSharma Stores
Invoice #1043
₹3,180
PaidRavi Medicals
Invoice #1042
₹6,750
Overdue
Every credit sale on the customer's account
Bill a regular and choose Credit (or take part now and leave the rest). The invoice stays open with its balance, and the customer's page shows every bill, every payment and what is still due. When they pay — ₹500 today, ₹2,000 next week — record it by cash, UPI, bank or cheque against one or more bills; the balance and status update at once.
An opening balance carries old dues in from the paper khata, so day one in TripleBill starts with the right figure for each customer.
- Credit or part-paid bills
- Payments against one or many bills
- Opening balance from the old khata
- Customer ledger for any period
A limit that actually holds
Give a customer a credit limit — ₹5,000 for a household, ₹1,00,000 for a contractor. When a new bill would take their dues past it, the sale is stopped with a message showing the limit and what they already owe. The owner can override for that bill; staff cannot. If you do not want the rule, switch it off in party settings.
Who to chase today
The Payment Reminders page groups every customer with open bills and sorts them by how late they are — not yet due, 1–30 days, 31–60 days, over 60 days. Each row has the total, the oldest bill and a WhatsApp button that opens your own WhatsApp with the dues and your UPI details written in; you read it and press Send. Email works the same way.
A statement link shows the customer their own ledger — opening balance, bills, payments and balance — in a phone browser, so a dispute is settled by the same figures on both sides.
| Report | Answers |
|---|---|
| Invoice outstanding | Which bills are open and for how much |
| Collection report | What came in, by day and mode |
| Receivable ageing (Pro) | Who owes what, in 30-day buckets |
| Customer ledger | Every bill and payment for one customer |
A worked example: a month of udhar at a kirana
Lakshmi buys groceries on credit all month with a ₹6,000 limit. By the 24th she has 9 bills totalling ₹5,420. On the 26th she wants ₹840 more; the bill is stopped because ₹6,260 would cross the limit. The owner knows her well and overrides it for this bill.
On the 1st the owner opens Payment Reminders, filters 1–30 days, and taps WhatsApp next to Lakshmi: the message lists ₹6,260 due with the shop's UPI ID. She pays ₹4,000 by UPI that evening; the counter records it against the oldest bills first, and her account shows ₹2,260 left.
Sample figures.
Credit that is also accounts
Every credit bill sits in receivables in the books, and every payment moves it to cash or bank. At year end the balance sheet shows exactly what the market owes you — no separate khata to reconcile.
Udhar from the phone
The Android app bills on credit and records payments, so a delivery boy collecting ₹1,500 at the door can record it on the spot, and the shop sees the new balance at once. The customer page in the app shows every open bill with its balance.
What it does not do (yet)
- Automatic reminders on a schedule — each reminder is one tap from your own WhatsApp
- Interest on overdue dues
- Credit days per customer — each bill carries its own due date instead
How to manage udhar in TripleBill in 4 steps
- 1
Add opening dues
Add each credit customer with their opening balance from the old khata and a phone number for reminders.
- 2
Set a credit limit
Enter a credit limit on the customer; bills that would cross it are stopped unless the owner overrides.
- 3
Bill on credit and record payments
Bill as Credit or part-paid, and record each payment by cash, UPI, bank or cheque against the open bills.
- 4
Chase from the reminders page
Open Payment Reminders, filter by how overdue, and send each customer their dues on WhatsApp in one tap.
Frequently asked questions
What happens when a customer crosses the credit limit?
The bill is stopped with the limit and the current dues shown. The owner can override it for that bill, or switch the rule off in settings.
Can I record a part payment?
Yes. Record any amount against one or several bills; each stays part paid until cleared.
Are reminders sent automatically?
No. You send each one from your own WhatsApp or email in one tap; TripleBill writes the message with the dues.
Can the customer see their own account?
Yes. Share the statement link and they see their opening balance, bills, payments and balance in a phone browser.
Can I move my old khata in?
Yes. Enter each customer's opening balance, or import customers from Excel / CSV.
Does udhar work on the Android app?
Yes. Bill on credit and record payments from the app; the dues are the same as on the web.
Which plan includes udhar?
Credit / udhar management and payment reminders are on the Starter plan (₹299/month, ₹2,999/year or ₹6,999 for 3 years) and Pro. Receivable ageing is an advanced report on Pro. Every new business gets a 7-day free trial with everything unlocked.
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