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Never forget who owes what.
Udharu replaces your paper ledger. Track every credit you give, send reminders automatically and know your customers' payment behaviour, all in one place.
Everything a shop owner needs.
Stop writing in notebooks. Udharu gives you a complete digital ledger with smart tools that paper never could.
Contact management
Add customers manually or import from your phone contacts. Every customer gets their own profile with full transaction history.
Track credit given
Record every item sold on credit with descriptions, amounts and due dates. Know exactly what is pending at any moment.
Record payments
Log full or partial payments instantly. Balances update in real time and customers can be marked as fully settled.
Smart reminders
Send SMS or WhatsApp payment reminders with a tap, or let auto-reminders run in the background so you never have to chase manually.
Reports and analytics
Get per-customer reports showing credit given, collected, outstanding and on-time payment rate. Export to PDF or CSV and share instantly.
Customer trust score
Udharu automatically scores each customer as Trusted, Normal, Risky or Blacklisted based on their payment behaviour over time.
Replace your notebook with something that works for you.
Millions of small businesses still track credit on paper and lose money because of it. Udharu is built for shop owners, traders and suppliers who give goods on credit daily.
Whether you run a grocery stall, a hardware store or several business profiles, Udharu keeps everything organised and always in sync.
- Multiple business profiles in one account
- Biometric lock keeps your data private
- Recurring rules for regular customers
- Payment plans with installment tracking
- Works offline, syncs when connected
- Detects your local currency on first launch
Built for clarity, not complexity.
A clean, fast interface that gets out of your way and lets you focus on your business.
Track every shilling, anywhere you are.
At the shop, on the road or at home, Udharu keeps your records up to date. Everything syncs to the cloud automatically so you never lose data.
- Add transactions in seconds, even offline
- Send a payment reminder with one tap
- See exactly who owes you and how much
- Export professional PDF reports anytime
Start tracking smarter today.
Download Udharu free on iOS and Android. Set up your first contact in under a minute.
