okcredit.in

Last updated: 9/30/2026valid

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# OkCredit

> OkCredit is a free digital bahi khata (udhar ledger) app for Indian micro and small businesses. Over 30 million MSMEs use OkCredit to track customer credit (udhar), send WhatsApp & SMS payment reminders, accept UPI payments, create GST bills, manage stock, and access business loans — in 11 Indian languages. Made in India, founded 2017, headquartered in Bengaluru.

## What OkCredit does
- **Digital ledger (Khata):** Track money customers owe you and money you owe suppliers; share balances automatically after each transaction.
- **Collections:** Automatic WhatsApp and SMS payment reminders so dues are collected on time.
- **Payments (UPI):** Collect and make payments via UPI, net banking, and debit card; NPCI-authorized.
- **Billing:** Create GST and non-GST bills (kacha/pakka), share with customers, link to the ledger.
- **Stock:** Inventory tracking with low-stock alerts, auto-updated on sales/purchases.
- **Loans:** 100% paperless business loans up to ₹1,00,000 via RBI-approved NBFC partners.

## Key facts
- Free Basic Plan; paid Premium plans add ad-free use, multi-device access, GST billing, unlimited SMS, and priority support.
- Available in 11 languages: English, Hindi, Marathi, Gujarati, Bengali, Hinglish, Telugu, Tamil, Kannada, Malayalam, Punjabi.
- 10M+ (1Cr+) downloads; 4.6★ on Google Play (India).
- Suitable for kirana/grocery stores, medical/pharmacy stores, mobile shops, garment stores, wholesalers, paan shops, and more.

## Links
- Homepage: https://okcredit.in/
- FAQ: https://okcredit.in/faq
- Pricing: https://okcredit.in/pricing
- Android app: https://play.google.com/store/apps/details?id=in.okcredit.merchant
- iOS app: https://apps.apple.com/in/app/okcredit-udhar-bahi-khata/id1488748286
- Contact: https://okcredit.in/contact-us

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