Udhaar is a free of cost application that helps you manage your customers' credit (udhaar) transactions easily through your smart phone. As soon as you sell an item on credit, it sends an auto reminder to customer for payment. It's an online ledger (like an online khata or journal) and ideal for shopkeepers. You can manage your daily sales and expenses. It also has a free invoice/bill facility. One can also manage stock of one’s shop.