How to make an app for a shop with an udhaar khata

AppCub has a ready-made udhaar khata app that starts free in about 5 minutes, with your shop's name on it: every customer's udhaar and jama, a credit limit, a WhatsApp reminder and a PDF statement. You then change it in the chat to work the way your shop keeps credit.

Updated 2026-11-09

Who uses the app

Usually only the owner, on one phone; the khata then stays on that phone, works offline and stays private. If a son or a counter person also enters udhaar on another phone, or customers should see their own balance, connect your own Supabase database with sign-in.

The screens a shop with an udhaar khata app needs

Customers: Everyone with a balance, biggest dues first, with search by name or phone
Customer khata: Every udhaar and jama entry with the date and a note, and the running balance
Gave udhaar / Got jama: Two big buttons to add an entry in seconds, with the amount and an optional note of items
Today: Total udhaar given and jama received today, and cash versus UPI
Reminders due: Customers past their settle date or over their limit, with a WhatsApp button
Statement: A customer's entries for a month as a PDF to share or print

Features worth asking for

A credit limit per customer, with a warning before a new udhaar crosses it
A settle date per customer, such as the 5th or the 1st, and a list of who has passed it
Part payments shown against the balance, not lost in a note
A polite WhatsApp reminder with the balance filled in, sent by you
A phone reminder on the settle date each month to check the reminders list (installed app only)
A UPI QR on the customer screen, so a customer can pay jama by UPI at the counter
Hindi labels and big buttons for the counter

Where the data lives

By default the khata stays on your phone, which keeps it private and works offline; ask for a backup to a file and save it often, because a lost phone means a lost khata. With two phones, or customers checking their own balance, connect your own Supabase database from the chat.

How to make it with AppCub, step by step

Decide what the app does. List the screens you need, for example: Customers, Customer khata, Gave udhaar / Got jama, Today, Reminders due.
Describe it to AppCub. Paste the request below, changed to your own business and details.
Check the plan. AppCub shows the screens and features it will build. Change them in the chat until they are right; seeing the plan is free.
Try it on your phone. The app runs live next to the chat. Scan the QR code to install it, and ask for changes.
Share it. Share it as a web link, an APK file, or publish it on Google Play from your own developer account.

Copy this request, change the details to match your shop with an udhaar khata, and paste it into AppCub:

Start from the ready-made udhaar khata app and change it for my shop, Agrawal General Store in Indore. Keep customers, udhaar and jama buttons, credit limit and WhatsApp reminder. Add a settle date for each customer (most settle by the 5th) and a list of customers past it. Show part payments clearly. Add a 'Today' screen with udhaar given, jama received, and cash versus UPI. Show my UPI QR on the customer screen. Monthly statement as PDF. A phone reminder on the 6th to check dues. Hindi labels, big buttons, green colour.

AppCub has a ready-made app you can start from: see it here.

Tips for a shop with an udhaar khata app

Start from the ready-made udhaar khata app; it already has the main screens, and changing it costs less than building from nothing.
Enter every customer's balance from your paper khata on one date, then check the total against the register.
Keep reminders polite and private on WhatsApp; never share one customer's balance with another.
Write a short note of items with each udhaar entry; it settles most arguments at the end of the month.
Back up the khata to a file every week if it lives only on your phone.

What it costs

Describing your app and seeing AppCub’s plan for it is free.
A new app usually takes 60 to 110 credits. Start with the 2-day trial for ₹99 (150 credits, enough for one app and a few changes) or the one-time App Pack for ₹499. Starter is ₹1,599 a month for 700 credits.
Google Play needs a paid plan (it includes the Play Store bundle and your app’s signing key) and your own Google Play developer account, a one-time US$25 fee to Google.
Work that fails or is rolled back costs no credits.

See all plans

Good to know

The app doesn't send reminders by itself or connect to bank accounts, billing machines or other khata apps. It doesn't report anyone to a credit bureau; it is your shop's own record.
AppCub builds Android apps. You can also share the app as a web link that opens on any phone; for the iPhone App Store, AppCub’s team can do it for you.

Questions

Is there a ready-made udhaar khata app?

Yes. AppCub's ready-made udhaar khata app starts free in about 5 minutes with your shop's name. Changing it in the chat starts with the ₹99 trial.

Does the udhaar khata app work without internet?

Yes. When the khata is kept on your phone, it works offline. Sending a WhatsApp reminder needs internet.

Can my customers see their own balance?

Yes, if you connect your own Supabase database and turn on sign-in, so each customer sees only their own entries.

Can two people in the shop use the same khata?

Yes, with your own Supabase database. Both phones see the same entries, and you can see who added each one.

What happens if I lose my phone?

If the khata lives only on that phone, it is lost with it. Back up to a file often, or connect a Supabase database so the khata stays online.

Can the app add interest on old dues?

It can work out a simple rule you give it, but think carefully before charging interest to regulars, and take advice if you are unsure of the rules.

Make your shop with an udhaar khata app

Seeing the plan is free. Building starts with a 2-day trial for ₹99.

Start building