Udhaar App

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We're Khatabook / OkCredit for Pakistan

Winter 2021Founded 202032 peopleKarachi, Sindh, Pakistan; Sindh, Pakistan

udhaar.pk/ ↗See on the Idea Map Fintech momentum

About

We are a simple book-keeping app, to help 30M micro SMEs run their finances digitally. I was visiting Pakistan. 1-day, asked our local store owner on plans for his next location. His response, 'never'. Since business operations & money flow are manual, he worked 16 hours / 7 days to minimize theft. Zero time with family. We got obsessed with identifying how we can help small business owners run their business and have a life. Everything in Pakistan is manual, store credit, sales, purchasing inventory, cash management, tax filings, payments, etc. This idea got us hooked as it allows us to build a large company and have a huge impact on ~30M small businesses in Pakistan that contribute 74% of the overall GDP. Explosion in 4G adoption (91M 4G subscribers, 720% growth in 5 years), is helping drive product market fit: i. >1M downloads ii. 4.6 star rating on Playstore & Appstore iii. MAUs & GTV: get in touch :)

From their website

as of Jun 7, 2026udhaar.pk ↗

SaaSSubscription

Udhaar App offers an all-in-one business management platform focused on Khata/udhaar tracking, cash book, stock, invoicing, payroll, and earning through value-added services like easyload, bill payments, and vouchers. It positions itself as a Pakistan-focused alternative to Khatabook/OkCredit, marketed to small businesses for managing finances and generating additional income streams.

The product provides multiple integrated modules: cash book, stock/inventory, salary/payroll, invoicing, sales and POS, and payments. It also includes features to manage udhaar (credit) transactions with reminders and invoices, staff payroll and attendance, stock alerts for restocking, and the ability to receive bank or wallet payments (IBFT/wallet). Additional monetization features include easyload (mobile recharge with commissions), bill payments, and vouchers for various services, all accessible via web and mobile app.

Who it’s for: Small to mid-size retailers and service providers in Pakistan who need cash/credit management, inventory control, invoicing, payroll, and opportunities to earn commissions through value-added services.

Features

Cash book and expense tracking
Udhaar (credit) khata management with reminders
Staff payroll and attendance management
Item/inventory management with low stock alerts
Invoicing and sales/POS functionality
Receive money from banks or wallets (IBFT) instantly
Monetize via easyload, bill payments, and vouchers

Marketing emphasis on 5.1 million businesses using Udhaar Book; multiple product modules and revenue streams (easyload, vouchers, bill payments) indicated; active content and pricing/subscription mentions, suggesting traction and ongoing feature development.