Paper notebooks get lost
A single torn page or misplaced khata register can mean unrecovered debt. There is no backup.
Case study · Business ledger
Hamro Khataa
An offline-first digital ledger for shopkeepers across Nepal — replacing handwritten credit notebooks with a fast, structured, local-language mobile app.
Google PlayLive · v1.2.2
The problem
Nepal runs on Udharo — and shopkeepers lose money because of it.
Manual totals have errors
Shopkeepers hand-calculate running balances across dozens of customers at the end of every day.
Awkward collection calls
Chasing overdue credit in person causes friction. There is no easy, polite way to send a payment reminder.
What is Udharo?
Udharo (उधारो) is Nepal's informal credit system — shopkeepers give goods on trust and customers pay later. It is the backbone of neighborhood commerce, especially in areas where cash is inconsistent. Almost every small shop runs a parallel “khata register” just to track who owes what.
उधारो
Niche audience
Built for Nepal's corner-store economy.
The target user is not a power user. They are a shopkeeper who opens at 6 AM, manages 20–80 credit customers, and has no time or interest in spreadsheets or accounting software.
Kirana Pasal owners
Neighborhood grocery stores (किराना पसल) — the most common retail format in Nepal. They stock staples like rice, oil, and lentils and serve regulars who buy on credit weekly. A typical owner manages 30–60 active credit customers.
- Semi-urban and rural locations, often low connectivity
- Primary language: Nepali (Devanagari)
- Tech comfort: basic Android smartphone user
- Core need: know who owes, how much, since when
Chiya Pasal owners
Tea stalls (चिया पसल) are social hubs in most Nepali towns. Regulars often run a tab — morning tea, snacks, daily cigarettes. Small amounts, but they accumulate fast across a large base of daily customers.
- High transaction frequency, small per-transaction amounts
- Mixed literacy — needs minimal text, clear icons
- Early morning to late evening operation
- Core need: speed at the counter, reminders for weekly settlement
~3M+
Small shops in Nepal
Most still using paper notebooks
रू 0
Operational cost
Free for users, sustainable to run
100%
Offline capable
Works without internet, syncs silently
Core features
Two actions, one screen, zero confusion.
The entire product centers on a single interaction: record who you gave credit to (Udharo) and who paid you back (Jama). Everything else is in service of that.
दियाे — Udharo (Credit Given)
Record credit in 3 taps
Select customer → enter amount → confirm. The balance updates instantly and is color-coded coral red so the shopkeeper sees at a glance who owes money.
लियाे — Jama (Cash Received)
Close a tab instantly
Record any payment — partial or full — in the same flow. The running balance recalculates immediately. Green balance means the customer has pre-paid or settled.
Instant customer search
Filter by name or phone number across the full customer list. No pagination, no delay.
WhatsApp reminder
One tap generates a polite Nepali payment reminder and deep-links to WhatsApp. No awkward in-person ask.
Works without internet
Works fully offline. All data is stored on-device and syncs silently in the background when connectivity returns.
Google Sign-In
One-tap auth with no password to remember. Data is tied to the shopkeeper's Google account and securely backed up to the cloud.
Push notifications
Optional push reminders for pending dues — useful for chiya pasal weekly settlements.
OLED dark theme
Default dark UI optimized for low-light indoor shops. Deep slate background reduces eye strain during 12-hour operating days.
On Play Store
Hamro Khataa is live on Google Play.
Available for free — built for Nepali shopkeepers who want a faster, more reliable way to manage customer credit.