Made in IndiaFree
Starts at
Free
OkCredit
by OkCredit · Bengaluru, Karnataka · Since 2017
Free digital credit ledger and billing app for kirana stores and small traders.
- Starting price
- Free
- Paid packs from Rs 30 per 30 days
- Free trial / plan
- Free Basic plan
- Has ads; SMS sent from your own SIM
- Deployment
- Cloud
- Web, Android & iOS
- App Advisor rating
- 4.7
- transparency & India fit
What is OkCredit?
OkCredit is a phone-first udhar khata from Bengaluru. Psi Phi Global Solutions Pvt. Ltd. built it to replace the paper credit register that kirana stores, medical shops and small wholesalers keep at the counter. The founders are IIT Kanpur alumni who went through Y Combinator's Summer 2018 batch. The app does one job well. You record who owes you money, or whom you owe, and the customer gets an SMS or WhatsApp message with the balance and a link to pay.
Most shopkeepers stay on the free Basic plan. It has ads and sends transaction SMS from your own SIM. Paid plans run on 30-day packs: Unlimited Transactions at Rs 30, Ads Free++ at Rs 75 and Premium at Rs 99. Ads Free++ is the one to look at. It removes ads and adds multi-device login, desktop access, GST and normal bills, stock management and a defaulters view. Premium adds unlimited SMS sent from OkCredit's side. The pricing page does not say whether these amounts include GST.
The app is strong on reach. It works in 11 languages, including Hindi, Marathi, Gujarati, Bengali, Tamil, Telugu, Kannada, Malayalam and Punjabi. Entries can be made offline, data is backed up to the cloud, and the UPI QR updates the khata when a customer pays through GPay, PhonePe, BHIM or Paytm. OkCredit says over 1 crore shopkeepers in 2,800+ cities use it, with Uttar Pradesh and Rajasthan its biggest markets.
It is not accounting software. You get no general ledger, no GST return filing and no Tally-style vouchers, so a trader who needs proper books will still need Vyapar, myBillBook or Tally next to it. Some recent App Store reviewers report missing entries after updates or being asked to pay to see their data, so export PDF statements regularly. The privacy policy also says data may be stored outside India and that SMS data can be used for credit assessment if you take loan services.
What works well
- +The free Basic plan has no customer limit and is enough for most single-counter shops
- +Paid packs are cheap, at Rs 30 to Rs 99 per 30 days, with no annual lock-in
- +WhatsApp and SMS reminders include a payment link, which speeds up udhar recovery
- +UPI QR payments update the customer's khata balance automatically, so no manual entry is needed
- +The interface is available in 11 Indian languages, which suits staff who are not comfortable in English
- +Entries can be made offline and sync to the cloud backup once the phone is back online
- +Support is available on WhatsApp at +91-9916515152 as well as by email
What to watch out for
- −It is a credit ledger, not full accounting, so it has no GST returns, balance sheet or inventory valuation
- −GST bills, desktop access and stock management are only in the paid Ads Free++ pack or higher
- −The free plan shows ads and sends reminder SMS from your own SIM balance
- −Some recent App Store reviewers report missing transactions after updates
- −Paid plans only come in 30-day packs, and users have asked for quarterly or yearly options
- −The privacy policy allows data to be stored on servers outside India
Best suited for: Kirana, medical and hardware shops that give monthly credit to regular customers · Small wholesalers and distributors tracking dues from retailers on a phone · Shop owners who want reminders sent on WhatsApp in a regional language
OkCredit at a glance
Analysing OkCredit — pricing, features, reviews and alternatives…
Generated by App Advisor's native engine from this listing's verified data — not a paid placement.
OkCredit features
Researched from OkCredit's official product pages · updated October 2026.
Credit ledger
- Udhar and bahi khata entries for each customer
- Supplier khata for money you owe
- Running balances for each customer
- Personal khata for friends and family
Collections
- Automatic SMS payment reminders
- One-tap WhatsApp reminders with a payment link
- UPI QR payments that update the khata
- Defaulters view (paid plans)
Billing and stock
- Normal bills (paid)
- GST bills (paid)
- Stock management (paid)
- Lifetime access to transaction bills (paid)
Data and access
- Real-time cloud backup and restore
- Offline entry
- Web and desktop access
- Multi-device login (paid)
Reports
- Monthly collection reports
- PDF customer statements
- Balance sharing with customers
- Customer-wise transaction history
OkCredit pricing (INR)
SourceEvery edition as published by the vendor. Prices exclude GST unless stated. Full OkCredit pricing breakdown
Basic
Free
- Digital udhar khata for customers and suppliers
- Shows ads
- Transaction SMS sent from your phone's SIM
Unlimited Transactions
Rs 30
per 30 days
- Unlimited ledger transactions every day
- Still shows ads
- Works out to about Rs 1 per day
Ads Free++
Rs 75
per 30 days
- No ads, plus multi-device and desktop access
- Normal and GST bills, plus stock management
- Defaulters view and priority support
Premium
Rs 99
per 30 days
- Everything in Ads Free++
- Unlimited transaction SMS sent by OkCredit
- Lifetime access to transaction bills
- • The pricing page does not state whether GST is included.
- • Plans are 30-day packs; the pricing page lists no quarterly or yearly option.
Buying for a team? App Advisor can get you a volume quote and any partner discount available.
Integrations, security & India
Integrations
- UPI QR collections (GPay, PhonePe, BHIM, Paytm)
- WhatsApp reminders and balance sharing
- SMS reminders
- PDF statement export
Security & compliance
- The privacy policy names encryption, firewalls and secure socket layer technology
- The policy says its practices follow the IT Act 2000 and its rules
- Data is backed up to the cloud in real time and restores when you change phones
For Indian businesses
- Made in India by Psi Phi Global Solutions Pvt. Ltd., HSR Layout, Bengaluru 560102.
- Prices are in rupees on 30-day packs: Rs 30, Rs 75 and Rs 99.
- UPI QR collections through GPay, PhonePe, BHIM and Paytm update the khata automatically.
- The app works in 11 languages, including Hindi, Hinglish, Marathi, Gujarati, Bengali, Tamil, Telugu, Kannada, Malayalam and Punjabi.
- The vendor says it is used in 2,800+ Indian cities, and its biggest markets are Uttar Pradesh and Rajasthan.
Mobile apps
Built mainly for Android and iPhone. A browser version is at web.okcredit.in, and desktop access is part of the paid Ads Free++ pack.
What reviewers say about OkCredit
Scores published on independent review sites — follow the links for the full reviews.
Support, resources & partner network
Support & learning
- WhatsApp support at +91-9916515152 (the homepage says 24/7)
- Email help@okcredit.in
- In-app support chat
Trust, compliance & who uses OkCredit
1 crore+ shopkeepers (vendor claim)
Customers
2017
In business since
OkCredit timeline — releases & milestones
Is OkCredit the best choice for you?
Best choice if you are…
- Kirana, medical and hardware shops that give monthly credit to regular customers
- Small wholesalers and distributors tracking dues from retailers on a phone
- Shop owners who want reminders sent on WhatsApp in a regional language
Look elsewhere if you are…
- Businesses that need GST return filing, a full ledger or Tally-style accounting
- Multi-branch retailers that need POS, barcode billing and detailed inventory
Still comparing? Get an unbiased shortlist and demos arranged for free.
Sources (6) · updated October 2026
OkCredit screenshots
Specifications
- Category
- Billing software, Accounting software
- Vendor
- OkCredit
- Headquarters
- Bengaluru, Karnataka
- Founded
- 2017
- Pricing model
- Free
- Starting price
- Free · Paid packs from Rs 30 per 30 days
- Deployment
- Cloud
- Platforms
- Web, Android, iOS
- Best for
- Startup, Small business, SMB
- Made in India
- Yes
More software like OkCredit
Alternatives, the same vendor's other products and India-first picks.
Compare all OkCredit alternatives with pricing →
OkCredit — frequently asked questions
How much does OkCredit cost in India?+
The OkCredit Basic plan is free, with ads, and sends transaction SMS from your own SIM. Paid plans are sold as 30-day packs. Unlimited Transactions costs Rs 30, Ads Free++ costs Rs 75 and Premium costs Rs 99. The official pricing page does not say whether GST is included, so check the amount at checkout.
Is OkCredit really free?+
Yes. OkCredit's Basic plan costs nothing and covers customer ledgers, entries, reminders and cloud backup. The trade-offs are ads in the app and reminder SMS sent from your own phone. Most small kirana stores can run on the free plan and only pay once they want GST bills, desktop access or ad-free use.
Can I make GST bills in OkCredit?+
OkCredit lets you create normal and GST bills, but only on the Ads Free++ pack (Rs 75 per 30 days) or Premium (Rs 99 per 30 days). It is not GST accounting software. It does not file GSTR returns or keep a full ledger, so traders who need that usually pair it with Tally, Vyapar or a CA.
OkCredit vs Khatabook: which is better?+
OkCredit and Khatabook are both Indian udhar khata apps with WhatsApp reminders, UPI collection and regional-language support. OkCredit's paid packs are simple 30-day plans from Rs 30 to Rs 99. Choose based on the language support and billing features your staff need, and try both free plans for a week before paying.
Does OkCredit work on a computer?+
Yes. OkCredit has a browser version at web.okcredit.in, and the main apps run on Android and iPhone. Desktop access and multi-device login are listed as benefits of the Ads Free++ pack and above. That makes the paid plan worth it if your accountant or staff work at a PC in the shop.
Is my data safe in OkCredit?+
OkCredit's privacy policy describes encryption, firewalls and secure socket technology, and real-time cloud backup lets you restore your khata on a new phone. The same policy says data may be stored outside India, and that SMS data may be used for credit checks if you opt for loan services. Export PDF statements regularly as your own backup.
Can customers pay udhar through UPI in OkCredit?+
Yes. OkCredit gives you a QR code that accepts UPI payments from GPay, PhonePe, BHIM and Paytm. When a customer pays, their khata balance updates automatically. Reminders sent on WhatsApp or SMS also carry a payment link, so customers can clear dues without visiting the shop.
Which languages does OkCredit support?+
OkCredit works in 11 languages: Hindi, English, Hinglish, Marathi, Gujarati, Bengali, Telugu, Tamil, Kannada, Malayalam and Punjabi. Shop staff can enter transactions in the language they are comfortable with. This is one reason the app is widely used in smaller towns in Uttar Pradesh and Rajasthan.
How long does it take to start using OkCredit?+
Setting up OkCredit takes only a few minutes. You sign in with your mobile number, add customers from your phone contacts and start recording credit or payments. The longest job is copying old balances from your paper register, which for a shop with a few hundred customers can take an evening.
Where is OkCredit based and how do I get support?+
OkCredit is made in India by Psi Phi Global Solutions Pvt. Ltd., based in HSR Layout, Bengaluru, and founded in 2017. You can reach support on WhatsApp at +91-9916515152, by email at help@okcredit.in, or through the in-app chat. Premium plans list priority support as a benefit.
What is OkCredit?+
OkCredit is billing software by OkCredit, an Indian company from Bengaluru. Free digital credit ledger and billing app for kirana stores and small traders.
How much does OkCredit cost?+
OkCredit publishes: Free · Paid packs from Rs 30 per 30 days. Confirm current plans and taxes on the official pricing page.
Does OkCredit offer a free trial or free plan?+
Yes — OkCredit offers a free plan you can start with.
Is OkCredit made in India?+
Yes. OkCredit is built by OkCredit, headquartered in Bengaluru, Karnataka.
Who is OkCredit best suited for?+
OkCredit suits startup, small business, smb buyers looking for billing software with accounting software.
What are the best alternatives to OkCredit?+
Popular alternatives in billing software include Zoho Invoice, Zoho Books, Vyapar. Use App Advisor's compare tool to see them side by side.
How is OkCredit deployed?+
OkCredit is available as a cloud (SaaS) product, with web, Android and iOS apps.
Guides that mention OkCredit
Vyapar vs myBillBook: Billing App Compared (2027)Vyapar vs myBillBook billing app comparison: Windows download, desktop plan prices, offline vs cloud, and GST features, as checked in October 2026.Khatabook vs OkCredit on Desktop: 2027 ReviewKhatabook vs OkCredit desktop app review: PC web login, OkCredit plan prices in rupees, offline use and when to move to billing software. Checked Oct 2026.Track Credit (Udhaar) and Dues With Billing AppsTrack credit (udhaar) and customer dues with a digital khata or billing app: reminders, UPI collection and a one-week rollout for Indian shops.
About OkCredit
OkCredit · Bengaluru, Karnataka · Founded 2017 · 1 product in our catalogue · Indian company
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