Khatabook vs OkCredit — which is better for udhar?
Both are free udhar trackers, both work. The real differences are subtle — and depend on whether your parents' shop has staff, regular B2B customers, or a steady WhatsApp habit.
30 April 2026 · Bikri team
Both Khatabook and OkCredit are free Indian apps built for the same job: tracking who owes the shop money and chasing it down. For the average kirana shop, either one will work. The honest answer to "which is better" depends on three factors most reviews skip — staff, customer reminders, and how comfortable the shop owner is with a busy interface.
Where they're alike
The core loop is identical:
- Add a customer, record what they owe.
- Log payments as they come in. Balance updates automatically.
- See a list of pending balances at a glance.
- Both apps work in Hindi (and most regional languages).
- Both are free for individual shop owners.
- Both store data in the cloud, so the same account works on a new phone if the old one breaks.
If you're choosing between them for a single-owner kirana that just needs to stop losing track of credit, flip a coin. Either one is dramatically better than a paper bahi-khata.
Where they differ
Khatabook is the bigger product. It has more features layered on top of the core udhar tracker — staff accounts (so a shop helper can log entries without seeing financials), business reports, billing options on higher tiers, and built-in WhatsApp reminders that go directly to the customer's number. The interface is denser as a result. For an older shop owner who isn't comfortable navigating a busy mobile app, Khatabook can feel like too much.
OkCredit is the simpler product. Fewer screens, fewer settings, faster to learn. It still does customer WhatsApp reminders, but the broader feature set is intentionally narrower. For a shop owner who just wants the udhar tracker and nothing else, OkCredit's lean interface is easier to live with day-to-day.
Neither app meaningfully handles sales tracking, stock, GST invoicing, or daily summaries. Both stay deliberately focused on the udhar problem.
Which to pick for your parents' shop
A rough decision tree:
- The shop already uses one and it's working → keep using it. The cost of switching is real (re-entering customers, retraining habits) and there's no killer feature on either side that justifies the migration.
- First time setting up an app for a parent who isn't tech-comfortable → start with OkCredit. The lighter interface gets out of the way faster.
- There's staff who also need to log entries → Khatabook's role-based accounts are the better fit.
- The shop also needs sales tracking, stock alerts, or GST billing → neither app covers those. You'll end up running two or three apps in parallel, and your parent will quietly default back to paper for "the real records."
That last case is the trap most shop-owner-kids underestimate. Udhar is one of three or four problems the shop has, and an udhar-only app makes the other problems more visible by comparison, not less. If you're starting from scratch, it's worth thinking about the full workflow before locking into a tool that only solves one piece of it.
For the broader "help my parents go digital" framing — which problems to solve in what order, and how to avoid the multi-app trap — see our hub piece on digitising a kirana shop in 2026.