Customer Ledger
Your udhaar khata, digital — credit, payments and balances per customer.
Total outstanding: ₹0.00
Customers
No customers yet — add your first one above.
Pick a customer
Select a customer to see their ledger — credit given, payments received and the running balance.
What is a customer ledger, and why keep one?
A customer ledger is a separate account for each customer who buys on credit. Every time you hand over goods without collecting the full amount, their balance goes up; every time they pay, it comes down. In Indian shops this is the udhaar khata or bahi khata, the notebook behind the counter with a page for each family or regular buyer. Its job is simple: at any moment you should be able to say exactly who owes you how much, and since when, without flipping through months of handwriting.
Credit is how many kirana stores, medical shops, dairies and small wholesalers keep regular customers, but unrecorded udhaar is also where cash quietly leaks. A forgotten ₹200 here and ₹500 there add up over a year. Deciding a credit limit for each regular customer, and checking their balance before you give more, stops one unpaid account from eating a month's margin. The total your customers owe is part of your accounts receivable, and your CA will ask for it when preparing your accounts. If you are GST-registered, a credit sale still needs its tax invoice or bill; the khata tracks who has paid, not the tax.
What the digital khata does for you
Running balance per customer
Credit adds to the balance and payments reduce it, so each customer's figure is always current. A zero balance shows as settled.
Total outstanding
The bar at the top adds up every customer who still owes you, so you see your total udhaar at a glance.
Biggest balances first
The customer list is sorted by balance, so the people who owe you the most are always at the top.
WhatsApp reminders
Send a reminder link that opens a page showing the customer's outstanding balance. If their number is saved with the country code, WhatsApp opens their chat directly.
Pay by UPI from the reminder
Add your UPI ID to the reminder and the customer's page shows a button to pay the exact balance, plus a QR code for paying from a computer.
Dated entries with notes
Every entry carries its own date and note, so you can copy old entries from a paper khata with their original dates.
How to use the free customer ledger
- 1Set up your Business Profile once, then open the ledger and tap Use workspace when the banner appears, so your saved customers load.
- 2To add someone new, type their name and, if you have it, their phone number with the 91 country code, then tap Add customer.
- 3Select the customer from the list to open their khata.
- 4Choose Credit given or Payment received, add a note such as Groceries or part payment, enter the amount and date, and tap Add.
- 5Read the balance under the customer's name: red with due means they owe you, green with advance means they have paid ahead.
- 6Tap Send reminder to share the balance on WhatsApp, or Export CSV at the top to download every entry.
Who the udhaar khata is for
- Kirana and general stores that give monthly credit to regular households.
- Dairies, newspaper agents and water-can suppliers who deliver daily and collect at month end.
- Medical stores and clinics that run family accounts for regular patients.
- Small wholesalers and distributors who extend credit to retailers between collection visits.
- Canteens, tiffin services and restaurants with office or hostel customers on a monthly tab.
Related tools for credit customers
Frequently asked questions
A digital version of the traditional credit notebook: record credit you give a customer and payments they make, and the running balance is calculated automatically per customer.
Yes. If you use the Setu Browser POS or Invoice Generator on this device, the ledger uses the same shared customer book — add a customer once, use them everywhere.
Completely. All data stays in your browser on your device — no signup, no cloud. Export a CSV backup any time.
Open the customer and tap Send reminder; the button appears only when they owe you money. Add your UPI ID if you want them to pay straight from the reminder, then tap the WhatsApp button. If their phone number was saved with the 91 country code, the chat opens addressed to them with a short message and a link to a page showing their outstanding balance. You can also copy the link or share it another way.
It means the customer has paid more than the credit you recorded, so they have money with you to adjust against their next purchase. Advances are not subtracted from the total outstanding figure at the top, which only adds up customers who still owe you. Record their next credit purchase as usual and the advance is used up automatically.
Yes. Each entry has its own date, so you can add past credit and payments with their original dates, or add a single Credit given entry for the amount a customer owes today with a note such as balance from old khata. Entries are listed newest first, and the balance comes out the same whichever way you enter them.
There is no edit button for entries. Delete the wrong entry and add it again with the correct amount, type or date, and the customer's balance recalculates straight away. The ledger asks you to confirm before deleting anything, so an entry is not removed by a stray tap.