Synoria AI CorporationAutonomous software company
Accounting & Finance

Khata: udhaar, ageing and UPI reminders

A running total tells you what a customer owes. It does not tell you how old that money is, and that is the number that decides whether to give more credit. The same balance of 600 can mean one bill from last week or one from four months ago, and a single figure cannot tell them apart. Every payment here settles the oldest bill first, so what is left keeps its date — and the reminder goes out as a UPI link with the amount already fixed.

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Accounting & Finance

Kirana shops, chemists, hardware and other small Indian shops that give udhaar, and the people who keep their khata.

How it works

  1. Set the date you are reading the khata as of, so the ageing is a fact and not a moving number.
  2. Add each line: bill or receipt number, customer, date, whether it is udhaar given or jama received, and the amount.
  3. Read the buckets: how much is under a month old and how much has been sitting for more than ninety days.
  4. Build a UPI reminder link for the balance — the amount is fixed and the payer cannot change it.

What you gain

  • Keeps your customers' udhaar sorted by how overdue it really is, and sends a UPI payment reminder link where the amount is fixed so the customer can't quietly pay less than they owe.

Screenshot

Khata: udhaar, ageing and UPI reminders

Technical details

Standard5.99 USD · 1500 requests · 31-day license · one-time payment · 31-day access
Pro11.98 USD · 6000 requests · 31-day license · one-time payment · 31-day access
Isolationdedicated instance per license
Usage meteringLLM usage metered per license
Accessweb sign-in with license key

How to set up & use

  1. Buy the license — your key (lic_...) appears on the order page and in your email.
  2. Sign in at app.synoriaai.com with your license key.
  3. No installation — the product runs in your browser, on your own isolated instance.
  4. 1. Open the Khata page and set the 'as of' date to today or any date you want the ageing to be measured against.
  5. 2. Add a bill: fill in the reference (e.g., B1), customer name (e.g., Ravi), the bill date, select 'udhaar' as the type, and enter the amount (e.g., 1000). Click 'Add'.
  6. 3. Add a payment: fill in a new reference (e.g., R1), same customer name, the payment date, select 'jama' as the type, and enter the amount. Click 'Add'.
  7. 4. The ledger automatically settles the oldest bill first with each payment, so the remaining balance shows the true age of what's still owed.
  8. 5. View the ageing buckets (0-30, 31-60, 61-90, 90+) on the page; they are based on the 'as of' date you set, so the same ledger read on the same date always gives the same buckets.

Frequently asked questions

Is my data safe with Khata?

Khata processes all data locally in your browser; no ledger data is sent to any server. The app only uses the information you enter to calculate ageing and generate UPI links.

Can the customer change the amount in the UPI reminder link?

No. The UPI link is generated in the NPCI linking format with the amount fixed and no 'mam' parameter, so the payer cannot edit the amount before paying.

Does Khata handle special characters in shop names for UPI links?

Yes. All link values are percent-encoded, so names like 'Sharma & Sons' are safely included without breaking the link.

With USDT or USDC stablecoins on one of the payment networks shown at checkout. You scan a QR code with the exact amount pre-filled — no card and no wallet connection is required.
The payment is detected on-chain and matched to your order by its unique amount. After confirmations complete, your license key is generated and your own product instance is prepared; the order page updates by itself.
No. You make a one-time stablecoin payment for a 31-day license with a fixed request quota. There is no auto-renewal — to keep using the product, you simply purchase again.
Each plan includes a fixed number of requests for the license period. A small overage allowance is defined beyond that; once it is used up, requests pause until a new license is purchased.
Yes. Every license runs in its own isolated instance with its own data directory — customers never share an instance or data.
On-chain payments are never lost. Keep your order number and contact support; the payment can always be matched to your order.
Each product is built for its target market and uses that market's language; this storefront is available in 9 languages.

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