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Purchase on credit is a common practice in Pakistan. No matter the size of your business, people always have that bunch of clients who are used to paying late. Whether it’s a customer who constantly crosses the deadline or that one-timer who completely gets away with it, dealing with these customers can be pretty stressful.

Though it’s not a recommended practice for any business to sell goods on credit, however, sometimes owners get lucky and those one-timers become life-timers. Moreover, there are several examples of businesses that solely run from trade on credit. 

 

Reasons Why Customers Pay Late

 

Low Priority

• You probably won’t like it, but you may not be your customers’ first priority. Same as you do with your business, your customers value their debts according to how significant they are to their work. If your product/service ranks low, you’ll get paid last.

 

• Sometimes there’s a simple explanation for pushing deadlines – like a dysfunctional finance department. Despite your repeated reminders to collect payments, they simply don’t have any knowledge, when it’s due, or where it’s supposed to go.

 

Lack of Urgency

• Extreme leniency with a customer can drive a lack of urgency. Sometimes, they might take you for granted and feel like they can get away with it. They know that the consequences are minor and would rather settle other debts that have negative outcomes.

 

 Tough Times

• This is one of the troublesome moments when you realize you can’t do a lot to force them into paying. Your customer is going through a difficult time where sales have reached the bottom and they don’t have resources to pay you. 

 

Here’s How You Deal With It

Understanding the reason behind late payments is only the first step towards achieving a resolution. Once you recognize where customers are coming from, you’ll be able to make better choices for your business.

 

State Your Terms Up Front

Consistent on-time payments start with setting clear conditions on the front end. Before you start any project, the client should exactly know the cost, when the payment is due, and what happens in case of a breach.

By clearly mentioning the terms and getting the customers to agree to them, you minimize the chances of excuses. After all, it’s much difficult for a client to feign ignorance when there was a clear conversation about the issue.

 

Personalize the Follow Up

 Any type of follow up is better than no follow-up, but be careful when sending automated emails or phone calls to clients. While they prove to be a decent reminder to the customers, they don’t do much in terms of provoking urgency. By personalizing the follow-ups, you make sure they know that there’s a face behind the late invoice and encourage them to step up and make the run for it.

 

A Little Help From Technology

You can go take the harder way or you can think about it and work smart. There is a possibility that you keep on sending automated emails and phone calls to your customers and they still don’t respond. Maybe these emails are the reason this matter loses its urgency or becomes less important to clients. 

The easiest solution for me is a mobile application that keeps records of all your transactions and sends auto-reminders to customers to pay their debts. These aren’t just auto-reminders, you can customize your message with a little bit of love and simplicity and send it to your clients without any hassle. You won’t even know it and would get your payback even before the deadline. One such app is the Udhaar app.

Udhaar app is an online ledger (like an online khata or journal) to record your outstanding debt, and send auto-reminders to customers to fasten Udhaar collection. It’s your business’ personal Khatabook that holds every little information about your transactions. Udhaar is an easy, safe, and reliable app with amazing features like reporting, multi-language support, data backup, offline mode, and many, many more. 

 

  

 

There are a lot of troubles that come with being a business owner or running an organization. Managing and organizing business paperwork – seemingly easy tasks –  shouldn’t be one one of them or shouldn’t be there at all.

Several entrepreneurs find themselves shackled with documents. These can be contracts, financial statements, spreadsheets, reports, employment applications and records, insurance policies, invoices – you name it. From the important to the minuscule, the paperwork clutter seems never-ending.

Bringing some management to your important documents can give you increased clarity about what’s in the drawer, what’s in the trash (and what’s missing) and a greater supervision over the administration of your business. Moreover, you can stress less when you are actually looking to find something.

Let’s establish a system that you can work with. Here are some of the very common yet important steps to enhance your paperwork management from messy to meticulous. 

 

Get the Equipment You Need

Out of the chaos, the last thing you want is to scatter all your documents across the desk just to realize you can’t find what you need to get the work done. So, before you get on to work, ensure you have access to all the requirements. The items include:

• Shredder
• File folders
• Filing cabinet
• Label maker or labels
• Safe for important documents

What you require is dependent upon your existing system, organization, and goals. The point is to ensure you’re all set for the task before diving right into it.

 

Create Viability

Consider this your rule of thumb of organizing paper clutter: The lesser you touch a piece of paper, the better. That means you have to come up with a system to file those documents before you start sorting them out.

There are numerous different options  to categorize them:

• By client or customer
• By year or specific time frames
• By category (finances, hiring, legal)
• By type of document (contracts, invoices, financial statements)

A good filing system should be intuitive. So, if you’re struggling to figure out the approach to tackle this, ask yourself: What would I first search if I were looking for this item in the future?

Whatever system you create for your documents, use the same one for your soft copies (computer files). You will eventually identify the most suitable approach to managing and separating those documents. Your future self will thank you.

 

Begin With One Area at a Time

You probably have documents scattered at a lot of different places. Perhaps there’s your filing cabinet, the growing pile on your desk, your tangled web of computer files, plus all of the important paperwork that’s hanging out in your email inbox.

This can feel overwhelming, so make the process more manageable by starting with one area at a time.

Tackle that filing cabinet first before moving onto the loose papers scattered around your office. Doing so means you’ll conquer this project methodically, avoid missing anything important, and maintain a cohesive system as you move through each of these storage locations.

 

Easy Way Around

If you can’t do it the harder way then do it smartly. Leave everything aside and trust the technology. When I say the word “technology”, I certainly don’t mean software, programs, coding, design, and, etc. 

What I simply trying to say is, look around there are easy things available everywhere like simple mobile apps. For instance, Udhaar app.

 

About Udhaar App?

Udhaar, a simple tool for personal and commercial use. Udhaar app manages credit (Udhaar) with customers and suppliers.

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

 

Steve Jobs wanted to start a little computer company in his garage and was dropped out of college to do so. Mark Zuckerberg, a student of Harvard, launched the first iteration of Facebook from his dorm room. 

The fact that every successful entrepreneur’s route to destination looks a bit different, there are universal tactics that can help drive everyone with small ventures on the right track. Here are some of the significant ways to follow when you start your own small business.

 

The Big Idea

It doesn’t matter how small or big your imagination is, the idea must be a game-changer. The ugly truth is, overnight ideas never work. You have to give it some time, some thinking, and some planning. Look at it for a long run, you can’t just push everything you thought last night lying on your bed.

So, have a pretty good idea of what you’re getting into before you implement it. Keeping in mind that it is not a 9-to-5 occupation. You have to work both hard and smart. Keep on learning new things. Nearly half of new businesses liquidate during the first five years, often because the owners don’t focus much on time, expense, and uncertainty involved. 

 

Going Step-by-Step

Your first day should not be the day you inaugurated. Sometimes starting small is part of a bigger plan – you can be a home chef before you become a caterer, or a food truck seller before becoming a restaurateur. It’s better to line up customers before you open doors for them. Personally, I would recommend that if you can work on your business while you still have your job, that’s the best way to go. 

 

This One Should be on Top

Different plans require different investments. Some may require millions while others may not require even a penny. The important thing here is, You must have an accurate idea of what you are doing and what it takes. 

The more the better, line up as many funds as you can. “Things take longer and cost more than anticipated.” is one of Rhonda’s Rules. The first few years of business are usually challenging, you’ll likely face low revenue and high outlays. Cleaning up your credit before you launch can help when in need so you’ll have some credit capacity available on time.

 

Customer Loyalty

Small businesses pay a lot of attention to increasing the customer base and not think about retaining them. The firm advice here is, keep your customers. You will get increasing footfall eventually when the word goes out. Do not cut off with your current clients; stay connected with them by communicating issues, offering discounts, loyalty cards, and so on. Keep your bread and butter fresh and retain your customers if you want to hold on to your business. 

 

Be Friends With Technology

Usually, small businesses try to make their work harder themselves. They always go for the longer route knowing it can waste their time. They run away from technology as if it were a poisonous snake. But, why?

You should know that the same Whatsapp once used to be very difficult for everyone, but now it’s part of our lives. Similarly, we need to make use of friendly technology around us. Once you get a hold of it, technology can do wonders for your business. Just give it a try because there’s a lot to explore. 

Let’s take an example of the Udhaar app for small businesses. Udhaar is an application for both personal and commercial use and 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 fasten Udhaar collection. It’s an easy, safe, and reliable app with amazing features like reporting, multi-language support, data backup, offline mode, and many, many more. 

 

Personal finance, credit management, inventory management, and your little partner – Udhaar app – has been doing wonders for all types of businesses for a long time now. Shopkeepers, owners, and staff/employees have been taking advantage of this user-friendly and simple app.

We know it’s a difficult time for your business especially when Corona hits you mighty hard. All the customers are gone, no response from the suppliers, and obviously the outstanding payment stays due even after the deadline.

This is something you’ve worked out in years along with the hard work of days and nights. Do not lose it just like this. We have got here something of your interest that will help you get back on track. Not only you can recover your outstanding payments but also make some money out of it.

 

What is 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.

 

What is Meant by Digital Transformation?

Udhaar is a business-utility mobile-app that helps you in your day-to-day cash and credit transaction.

 

What makes it unique?

• It transforms the work mobile phone of a business owner into a smart computer
• Improves cash-flow with both online and offline transactions
• Provides business-related information just as you need it in the form of daily, weekly, monthly reports
• The reports are in PDF format that you can easily download and share with your customers
• It is simple with a user-friendly UI for financial accounting and inventory management on mobile phone

 

The functionality

It does wonders for a business similar to that of a complex software only simpler

Udhaar app provides accuracy, efficiency and customer delight. As soon as you add a new transaction against any customer account, the customer gets notified of the particular transaction, the amount of goods purchased and the number and names of items bought

Papers and diaries have a high chance of getting lost or damaged. But with the Udhaar app, your important data will always be safe in the cloud backup. You only need to turn on your internet connection for seconds to transfer information to the cloud. The data you just saved can be retrieved anywhere, anytime, and with any device with your individual username and password.

So far business-related vital MIS (Management Information System) reports were available only to corporate companies and firms as they used ERP (Enterprise Resource Planning) applications. Udhaar app made it possible for micro and small businesses which use the manual form of business processes and were devoid of such significant MIS reports.

Udhaar app is your digital business partner in your pocket and on the move. It is a simple, easy, free, and reliable opportunity that you wouldn’t want to miss.

Since most of the businesses are shut down or restricted to operate in the instructed hours, the majority of the owners are not making enough. There are plenty of examples of businesses that you can’t – even if you try – run from home.

You definitely don’t want your customers to reach in these tight situations but if they don’t get to you, you can’t sell them. No sales, no income generation, no rolling of commodities; well, this is what Coronavirus is.

The good news is, if your business is in Pakistan and you were using the Udhaar app before the pandemic, you still have a chance to recover most of your debt. Not only the outstanding Udhaar but also the lost customers.

 

The Udhaar Recovery

People outside the boundaries of Pakistan may not understand this, but if you are living in Pakistan, you have to sell goods on credit. This is the norm here, people will purchase goods from you for as low as five rupees and would pay you later.

It might sound weird but to be very honest, this is a good thing. In Pakistan, you never run out of supplies. You go to the store, buy whatever you want and request owners to pay them later. They are good with it unless customers consistently keep forgetting it.

 

Udhaar App at Home

While you are at home doing nothing but worrying about business. Here’s what you can do. You have got all your contacts from your customers. With the Udhaar app, you can send them free reminder messages or customized messages to remind them of their outstanding Udhaar.

You may have Udhaar amounting to as low as a hundred rupees or as high as hundreds of thousands. You can simply send them a kind reminder with their names on the header and ask them to pay off their debts as soon as the conditions get better.

 

Customer Retention

As I said above, You have got a long list of your customers’ information. You can use that information to keep up with them. Ask them if everything is going fine with them. If there’s anything you can do to help them.

You see people really need help in this upheaval. Just like you, your customers are also suffering since all the businesses are shut down. People are short of money and looking for some relief, and I think you can be the savior. Even if you can not help with a single penny, calling your customers just to ask how they are doing is sufficient enough to make them feel good. I promise you that your little help will always be remembered and you will never lose those customers.

 

Little Bit 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.

 

As a business owner, you probably won’t get much time to think about those things that are not worthy of your time. There are always things that can be avoided or eliminated so that time can be saved.

In the beginning, small businesses used to have paper registers for inventory, billing, recording and all. Now, they have point of sale software, inventory management apps, ordering apps and credit management apps. These technologies have taken control of the businesses, restricted work pressure and improved productivity. In one way or another, you just don’t want them but you need them.

Things in Pakistan may take some time, but we know the people are tech-oriented and eventually, businesses adopt these technologies. But, why not hurry up?

Here are some tips that may or may not involve technology but have to do a lot with saving some of your precious time. Have a look

 

Use a Filing System

You have the option to create different folders with the inbox programs. Put important emails, notes, documents that you want to keep in a folder where it will be easily retrievable when needed. Some of them have powerful search capabilities, so maybe you can only create 1 folder for all of your necessary email instead of several different folders.

Having done that, you can dive into that folder now, take whatever you need and instead of wasting time looking through those folders you created, you may be able to focus on some other stuff. This will save you a lot of time as well.

 

Limit Your Online Time

Enough said, right? Yeah, you know it. Especially surfing on social media. This right here is your business’s biggest enemy. You waste hours here without even noticing it. So what can you do?

There are some special tools and apps available on the internet that will block social media sites and other distractions on your device for certain amounts of time. If you don’t have the self-control to do it yourself -at least I don’t have- consider using one of those programs and save hours of work.

 

Keep Better Records

From personal files to receipts to legal waivers, small businesses have to record each and everything. If you still work with the stacks of papers, your staff or you, at the moment, must be wasting loads of time trying to look for the documents or data probably no one remembers.

Working with paper documents is a difficult task. Documents being misplaced or getting damaged or even ruined is a common practice. But if your records are digitally stored can be easily backed up and searched in a few steps. Plus, if you allow your employees to enter information into that account, there will be less room for error, confusion, mistakes, and more transparency. For example, One such app is the Oscar Udhaar app.

Udhaar app is a digital Khata for Pakistani businesses. It allows you to add your daily cash and credit transactions and also sends a reminder message to the customers in case they forget to pay back. This app is free for both personal and commercial use.

Get your day organized and stay organized. Once a day or once a week, take some time to plan. Use the techniques that I’ve talked about. By investing a little time in planning and organizing, you can save a ton of time down the road.

 

Considering the small retail stores in Pakistan, it’s a common scene at the small shops you will only find single workers who work for the whole day. If not, then there may be one or two helpers who mark their attendance periodically as the owner stays the whole time.

In this problematic situation comes the stacks of papers and dusting of the clutter you have gathered on your desk. Since you have to be on a safe side, you can’t trust your employees with the paperwork and definitely can not afford to lose your important notes, registers, accounts books and ledgers.

Organizations follow systems and procedures for all different types of tasks involved in a business, which helps them become quick, efficient and productive. But, the small ventures still face issues because of their limited income. They can not afford to buy software to manage their cash and accounts and hence they opt to perform it manually.

We figured this out and looked for some ideas that you can get your hands on and become more organized in your small business. Try one of the below for slow and sustained improvement or you may plan to incorporate a different management process in your business.

 

Take Control of Papers and Documents

Paper is the biggest source of mismanagement in many businesses. If you don’t file them up or work through a digital archiving system in place, you are prone to danger. Start by collecting all the papers lying around, assign them names like – keep pile and a discard pile, then shred or recycle all of the documents, magazines, newsletters, papers, cards, notes, etc., that made it to the second pile.

If you’re not sure where to start, review what types of documents you should keep and what you should dump. The rest is a piece of cake for the shredder.

 

Use the Right Productivity Tools

We all have our certain apps and tools we use every day to make our work simpler or maybe for fun, although some are probably more useful than others. This is why it has now become a need to, at least once a year, list down the apps and tools you are using in your business and decide if they still meet your criteria of managing stuff. This is also a time to consider whether any new tools could improve your business’ productivity.

You may have come across multiple such apps but in case you don’t know about the Udhaar app, you are missing out on some big technological enhancements.

Udhaar app is actually a digital Khata journal or ledger that lets you record your daily cash and credit transactions simply on your smartphone. It works online and offline, so you can manage your business on the go. It also sends reminder messages to your customers to collect Udhaar three times faster. And above all, it’s a free app without any monthly or annual charges.

 

Winding Up

The tips above will get your small business more organized immediately. But never forget how fast things can get out of control. Pair these activities with a resolution to conduct a quick and easy review of your papers, productivity tools​, and computer status a few times a month so you can stay organized and prevent things from reaching overwhelming levels of disorganization.

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.

 

Conclusion

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.

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!

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