Is There Any App to Manage Personal Finance?

Is There Any App to Manage Personal Finance?

This is the most frequently asked question by all small business owners. Whether it be a general store, kiryana store, Dairy shop, book shop, restaurant, supermart, etc. Every retailer has the same problem.

As of now, people use paper registers to maintain their ledgers and record their personal finance. But, is this even safe?

A big no. All the shopkeepers and retailers using journals and registers are making losses on a daily basis. They sell commodities on credit for as minimum as 10 Rupees but there is no limit at the other end. It could be a million or maybe more. So, the question is, who is bearing all these losses?

Unfortunately, the business owner, who has no idea who came to the shop and what item was sold or what was the cost of the goods. And, this goes on, just like this.


Is There a Solution?

Mobile phones and other tech-devices have had a serious impact on how we live and conduct businesses in our day-to-day lives. Thanks to efficient mobile technology, we are now able to use our mobile phones to keep up with breaking news, speak to a friend in a different country, and even to learn other languages.

Another big opportunity that mobile phones offer is the ability to better control our day-to-day finances, even when we’re on the go.

With just a few steps, you can maintain the ledger, get customer’s details, and even transfer money from one account to another. Here are six benefits of having a personal finance app available for a smooth run.


Easier to Save

Savings in business is one of the hardest financial goals. This is because in today’s advanced world of digital mobile payments and that too several times in a day, it’s too easy to lose track of what you’re spending money on. But with a personal digital app, you’ll have full transparency into where you are missing out.

Checking how much you’re spending on eating out, groceries, shopping and morning coffee can be quite eye-opening. In fact, knowing how much you’re spending and what you should be spending may be enough to convince you to make a change and make your life easier.


No More Late Payments

We’ve all been forgetful, slipped up before and paid a bill after the due date. This is you as a customer, but what about your customers who forgot to pay their debts on time. Late fees and payments can happen to anyone.

There are mobile applications that will not only help you to remember but also assist you to remind your customers to clear the due without any harsh feelings.

A cool feature that many apps provide is the ability to alert you when a bill’s due date is coming. You can set up alerts to remind you a few days before the due date so that you can be insightful of any uncertain situation and pay the bill sooner rather than otherwise.

You can also send reminders to your customers to pay their outstanding bills without making them feel disgusted. For example, one such app is the Udhaar App.

Udhaar app lets you collect your Udhaar three times faster by sending them free SMS reminders. You can also send them transaction reports on a monthly, weekly or daily basis with just a few taps and clicks.



While you may have dozens of apps on your cell phone, there’s surely room for one of the most important and useful apps to ever exist. If you’re considering downloading a personal finance app to improve your financial health, don’t wait! The benefits are truly endless.

How You compare Udhaar app to other credit Apps?

How You compare Udhaar app to other credit Apps

A great way to improve cash flow and earn profits is to go digital with your accounts, that is, by incorporating a credit management application. Managing credit can be difficult especially if retailers lose track of their customers to whom they have sold goods on loan. Luckily, technology has helped eliminate numerous problems associated with credit management and to put it simply, Oscar Udhaar helps you keep track of your debts as well as give credit to customers easily and efficiently.

With Oscar Udhaar, business owners may never miss an opportunity to achieve growth, profits, and overall positive results.

Oscar Udhaar features are easy to use and are offered in both Urdu and English which makes it accessible to store owners from all areas across Pakistan.

With Udhaar, storeowners can keep track of their customers online and offline whilst keeping their information confidential.

Business owners can add their customers’ names and phone numbers, whilst data is saved and encrypted as soon as the user makes an entry in the Customer Phonebook. This will help in automating your account ledgers instead of having to rely on man power.

Moreover, Udhaar’s tracking feature allows businesses to keep track of their customers’ payment schedule so that each payment is made without delay or any sort of fraud.

Apart from these benefits, you can also change or edit entries with only a couple of steps, allowing you to take full control.

Oscar Udhaar is the innovative solution for businesses in Pakistan as the features are easy to use and the overall system of the app is efficient.

The main benefits for business owners, are the following:


Effortless Management

Regular audits regarding the debts of your business is mandatory, but doing it manually is stressful and time-consuming without the use of technology. Your business could face trouble if payments are delayed or customers have defaulted and you could eventually go bankrupt. Oscar Udhaar, helps you keep track of your customers’ payment schedules and receive payment on time.


Avoid Errors

Without an advanced credit management app, your business has to manually review data and identify errors. In addition to this taking an unnecessary amount of time and energy, the risks associated with human error and data theft are significant. Thanks to Oscar Udhaar, hiring additional employees to analyze data is no longer needed and the risk of human error also diminishes. When you upgrade to an automated application, you are ensured that all data is entered into the system accurately and can be extracted on demand within minutes.


Improved Security 

Protecting your customer’s data is a serious concern that requires your full attention. Your customers trust you with their phone numbers, business records and other important information. Any mishap with this data and your customers get affected by identity theft or financial fraud. Moreover, the organization may have to face a public relations controversy and be exposed to lawsuits. Fortunately, Oscar Udhaar, keeps all your customer information in the high security cloud base and saves information as soon as entries are made. It is a paperless process that can save your business good amounts of money otherwise spent on consultation.

With Oscar Udhaar downloaded on your mobile phone, you can work from anywhere. You can access data through the mobile app and respond to client inquiries anywhere and at any time, without being tethered to a workstation or office. This will save you time and help you manage your business efficiently. With this application your business always gets the best experience!

Why is Udhaar App the best app to note your Daily Khata?

Why is Udhaar App the best app to note your Daily Khata?

If you own a business and heard about Udhaar app, you must be wondering what on earth is that?

Udhaar app has been trending for quite a while and has got everyone thinking about how they can benefit from this app.

In this blog, you will learn about the functionality and features of Udhaar app that took businesses by storm. You will also learn how is Udhaar app useful for your business, how it will contribute to your business growth, and finally – why Udhaar app is the best app to record business transactions.


The Big Idea Behind

Udhaar app is a Pakistani app and the first of its kind. It was built with a goal and the actual challenges faced by Pakistani retailers. We all have seen it a thousand times that a retailer after making a trade, writes it down in a register, diary or some kind of journal. What happens later is, the shopkeeper loses it just because they can not find or remember the noted records and eventually undergo heavy losses.

Udhaar app, on the other hand, deals with this trouble single-handedly. It manages your business khata, ledger, and accounting by keeping a track of every cash and credit transaction you make on a daily basis.


About Udhaar App

Udhaar is a FREE application for personal and commercial use. Udhaar app helps you manage credit (Udhaar) with customers and suppliers.

Udhaar app is an online ledger (like an online khata or journal) to record your outstanding debt, and send auto-reminders to customers to increase collection and cash flow. It’s an easy, safe, and reliable app with amazing features like reporting, multi-language support, data backup, offline mode, and many, many more.

It sends a reminder message to all your customers who have their payment outstanding and may have unintentionally forgotten to clear the dues.

Udhaar app also provides you reports of all or individual customers. The reports will be available in PDF format and can be extracted daily, weekly or monthly to suit your needs.


Why Do You Need Udhaar App

Your business needs Udhaar app because it:

  • Adds customers’ Udhaar anytime, anywhere
  • Keeps your updated hisab-kitab in your pocket
  • Is convenient to use a mobile app and view Udhaar details on the go
  • Has simple and flexible UI which can be optimized on any screen
  • Can quickly sync all your contacts from your phone. Your address book is used to easily connect you with your contacts so there’s no need to log out & search hard for usernames
  • Maintains your credit and debit history in the cloud so you never lose your important data
  • Improves transparency – Customer gets SMS update for every transaction and can view their hisab in Udhaar app
  • Keeps your data safe even if you lose your phone or in any unfavorable circumstance
  • Allows you to enter money transactions with a few clicks
  • Automatically calculates Udhaar amount after each transaction
  •  Provides 100% ACCURATE and RELIABLE Results and it’s free – without any hidden charges