Kaccha
The udhaar notebook
- Credit (udhaar) written where only one person can read it.
- Nobody knows which bill a payment was for.
- Old dues forgotten — until the customer argues.
Pakka
Every rupee, on the record
- Due dates on every credit bill from the customer's credit days.
- "To collect" worklist aged by due date, with opening balances brought in.
- Credit limits at the counter — a manager overrides with a reason, or the bill waits.
- A statement PDF the customer can confirm.
- A polite WhatsApp reminder in one tap.