Udhaar: articles and guides
Every Wasoolo article about Udhaar, newest first.
46 articles English & Roman Urdu Free to read, always
Udhaar: articles and guides
46 articles
When a Customer Passes Away and the Udhaar Is Open
A customer has died and his udhaar is still open. What the first weeks must be, who you speak to and how, and when to accept the money is gone.
Read article CompareUdhaarUdhaar Limit in Rupees, or a Limit in Days?
One fence caps how much a single name can owe you. The other caps how long your money stays out. What each stops, what it misses, and which your shop needs.
Read article ProblemUdhaarThe Udhaar That Came With the Shop You Bought
Bought a running shop and got its old udhaar register too? Decide whose they are before you pay, verify every name with the seller, then start your own book.
Read article CompareUdhaarRefund in Cash, or Credit It to His Khata?
He already paid and something has to go back. Cash out of the galla or credit on his khata: what each really costs, and what you must write down.
Read article ProblemUdhaarAsking the Man Who Once Helped You for Your Money
He backed your shop when nobody else would, and now he owes you. Why silence costs more than asking, and the exact words that keep both the money and him.
Read article ProblemUdhaarHe Will Pay You When Someone Else Pays Him
Sometimes a customer's money really is stuck elsewhere. Two questions that tell you if it is true, and the small weekly amount to take instead of waiting.
Read article ProblemUdhaarWhen His Family Asks You to Stop His Udhaar
A relative comes to the counter and asks you to stop the credit. What you may say, what is never yours to tell, and how to stop without a public refusal.
Read article ProblemUdhaarHe Pays Only When You Stop Giving Him Goods
Some customers never pay while the shelf stays open to them. What that habit is really telling you, and how to use a pause on goods without losing the person.
Read article ProblemUdhaarWhen Somebody Else Comes to Clear His Udhaar
A father, a brother or an employer arrives with money for another man's khata. Whose payment it is, what to write, and the four ways it becomes an argument.
Read article ProblemUdhaarNumber Every Khata Entry, and Gaps Show Themselves
An unnumbered khata page can be added to by anybody, and mistakes hide in it. One running number per entry turns your record into a sequence you can check.
Read article ProblemUdhaarGiving Udhaar Again to a Customer You Once Cut Off
He stopped paying, you closed his page, and now he is back asking for credit. Here is how to restart small, keep the old balance separate, and stay safe.
Read article CompareUdhaarGive Udhaar to Shops or Only to Households?
A household pays from a wage you can name. A business pays from money it is still owed. Two risks, two limits, two clearing days, and the rules for each.
Read article CompareUdhaarWrite Off an Old Udhaar or Keep Chasing It?
A balance that has not moved in a year is costing you more than it looks. Compare what chasing really costs against what a clean write-off actually buys.
Read article ProblemUdhaarWhen a Customer Pays You in Goods, Not Cash
The tailor offers stitching, the farmer offers wheat, the electrician offers a day of work. Settling udhaar without cash is fine, if you price it first.
Read article MoneyUdhaarHow Much Total Udhaar Can Your Shop Carry?
Most shops set a limit per customer and none at all for the shop. Work out the one number that says when your counter has to stop giving credit.
Read article ProblemUdhaarHe Clears His Khata, Then Asks for Double
A customer settles his whole balance and immediately asks for twice as much. Clearing proves he can pay one amount, not that he can carry a bigger one.
Read article ProblemUdhaarGetting a Signature on a Big Udhaar
A big balance needs more than a line in your register. Five lines on a slip, signed or thumbed in front of you, settle most arguments before they start.
Read article ProblemUdhaarWhen Someone Asks You to Stand Guarantor for Him
Somebody asks you to stand guarantor on his qist plan. What you are really signing, the five questions to ask first, and how to say no without losing him.
Read article ProblemUdhaarThe Khata Entry That Went on the Wrong Page
Two customers, one busy evening, and Rs 3,400 written on the wrong page. How to find the entry, correct it so both sides can read it, and say so first.
Read article MoneyUdhaarWrite Your Shop's Udhaar Rules Down Once
Deciding credit one customer at a time under pressure is what costs shops money. Six questions, one written page, and the rule refuses instead of you.
Read article MoneyUdhaarSend Every Udhaar Customer His Balance Monthly
Most shopkeepers name a balance only when they want money. A statement on the same date every month kills arguments, stops drift, and costs half an hour.
Read article ProblemUdhaarKeeping a Khata for a Customer Who Cannot Read
He trusts you completely, and that is the weak part: a record only you can read is not proof. Read the total out loud, and send a slip home with him.
Read article ProblemUdhaarHow to Plan a Collection Round That Gets You Paid
You shut the shop, walk for three hours and come back with two payments. Here is how to build the list, pick the day, plan the route and collect more.
Read article ProblemUdhaarWhen Udhaar Is Agreed on a Phone Call
He phones an order and nobody writes it down. Here is the one minute that fixes it: write the order while he is on the line and read the total back.
Read article ProblemUdhaarAsking for Udhaar After a Death in the Family
A customer who owes you has lost someone. How long to wait, who should raise it, the words to use, and how to shrink the balance into a plan he can carry.
Read article CompareUdhaarCall, Message or Visit: What Gets You Paid
The three ways to ask for your money, what each really costs, and a ladder that decides in advance when to move up instead of leaving it to a bad day.
Read article ProblemUdhaarThe New Customer Who Wants a Big Udhaar
A face you have never seen asks for Rs 6,200 on credit. Give a smaller first udhaar with a named date, write it in front of him, and let repayment decide.
Read article ProblemUdhaarWhen a Customer Wants His Whole Khata Read Out
He will not pay until he hears every entry. Read it from the first day forward, keep each line readable, and send him away holding a copy of the account.
Read article ProblemUdhaarWhen You Send Someone Else to Collect Your Money
Your son, your helper or a friend goes to collect. Two things can go wrong: the customer does not believe him, and the cash does not come back the same.
Read article ProblemUdhaarMatch the Udhaar to the Day He Gets Paid
A daily-wage customer and a salaried one cannot be given the same khata. Match the credit to how a person earns and most collection trouble stops.
Read article ProblemUdhaarHow to Say No to Udhaar Without Losing the Person
Refusing credit does not have to cost you a customer. The rule to stand behind, the exact sentences that refuse kindly, and what to offer instead of nothing.
Read article ProblemUdhaarWhat to Write in a Khata Entry So It Makes Sense
A khata line that says only a name and a number is useless three months later. The five things every entry must carry, and how to add them in seconds.
Read article ProblemUdhaarAsking for Your Money When the Shop Is Full
You cannot ask in front of five other customers, so you say nothing and he leaves. Here are the words, the timing and the habits that get you paid quietly.
Read article ProblemUdhaarYour Khata Register Is Full: What Moves to the New One
Only two things belong in your new khata book: what each name still owes today, and the promises still open. Here is how to carry them over cleanly.
Read article CompareUdhaarOne Khata for the House, or One per Person?
A father, a son and a wife buying on the same credit is where most disputes begin. Compare both ways of recording it, and see the middle path shops settle on.
Read article ProblemUdhaarThe Customer Who Promises Every Time and Never Pays
A promise is not a payment. See what a year of "I will pay tomorrow" costs you, and the four steps that turn a soft promise into a real date and amount.
Read article ProblemUdhaarThe Udhaar You Forget to Write Down
The udhaar entries that go missing are the small ones, handed over in a rush. Here is a ten-second counter habit, and how to rebuild a day you already lost.
Read article ProblemUdhaarWhen a Customer Returns Goods He Took on Udhaar
Goods bought on credit are coming back. Take the agreed amount off his balance instead of opening your galla, write the reason, and put the stock back.
Read article ProblemUdhaarWhen Family and Friends Ask You for Udhaar
Udhaar given to a relative is the hardest to ask back. Fix the amount before he asks, write it in the same khata as everyone else, and say the terms out loud.
Read article ProblemUdhaarThe Udhaar That Has Been Sitting for a Year
A balance that has not moved in a year needs a different plan. Sort your old udhaar by age, chase what is alive, settle what is stuck, close the rest.
Read article ProblemUdhaarWhen a Customer Always Pays Half of His Udhaar
He pays something every visit and the balance still grows. Why part payers happen, the two questions that settle most of them, and when to hold the goods.
Read article CompareUdhaarCollect Weekly or Wait for Month End?
One cycle keeps your cash moving, the other keeps your evenings free. What each does to a small shop, and how to pick the one your customers can actually pay.
Read article CompareUdhaarCash Only or Udhaar: Which Shop Earns More?
Cash keeps your money moving, udhaar keeps your best customers. What each one really gains, the number that settles it, and the middle road good shops run.
Read article ProblemUdhaarHow Much Udhaar to Give, and Who Should Get It
Decide the number before he asks. A weekly limit for every customer, how to say it out loud without a fight, and the monthly check that keeps udhaar honest.
Read article ProblemUdhaarWhen a Customer Says He Already Paid You
He says he paid, your khata says he did not. Do not argue about memory. Read the record entry by entry, settle the gap fairly, and fix the habit behind it.
Read article ProblemUdhaarHow to Recover Udhaar Without Losing the Customer
Udhaar recovery without a fight: agree the amount in front of the customer, fix a payment date, follow one reminder ladder, and keep the khata clean.
Read articleNo article matches that yetTry a shorter word, or pick a topic above. New articles go up every week.
Browse another topic
Step-by-step guides24Udhaar
Write it safely, and get the old balance back.
46 articlesInstallments
Installment plans that stay fair, with no interest.
26 articlesStock
Know what is on the shelf without counting all day.
45 articlesCustomers
Keep the people who keep your shop running.
33 articlesShop money
Expenses, cash and the profit you actually made.
64 articlesApp tutorials
Step-by-step walk-throughs of the Wasoolo app.
23 articlesWhat's new
13 articlesStart your digital khata today
Free to start. Works offline. English, Roman Urdu & Hinglish. Your customers get their app free, forever.