Guides for a shop that sells on credit

These pages are for the kirana, hardware and agency counters that still run an udhar khata. They are not a course in accounting software. Each one answers a job you already do on paper: write the sale, take the money, check the UPI screenshot, walk the overdue names, count the bags on the shelf.

DueSetu is the ledger behind the guides. The public calculators stay free and run in the browser. The signed-in product is the same khata the Abhedyam Android apps already use. Nothing here is a government service, and nothing here replaces a practising accountant on GST or interest disputes.

Start with the daily loop

If you only read one page, read how to track customer payments. The method is short: the sale and the payment live on the same customer. Then read UPI reconciliation if most of your collections arrive as a QR scan, and chasing overdue payments if the notebook is full of names who said they would come tomorrow.

The other guides fill the gaps around that loop. Udhar bookkeeping is for shops that keep a sales book and a collection book and wonder why the two never match. Inventory basics is for the twenty SKUs you actually count, not a warehouse. The interest page is the arithmetic behind the public calculators, so you can show a customer the same number you just quoted. The software page is a filter: what a small shop can ignore when a salesperson starts with AI.

• How to track customer payments

  One ledger per customer, credit sales as line items, and UPI verified before it counts as paid.

• Udhar bookkeeping

  Keep sales and collections on the same name so the remaining due is a fact, not a second notebook.

• Chasing overdue payments

  Reminder, then a UPI pay link, then a call, visit last with the printed balance in hand.

• UPI reconciliation

  Screenshot in, pending until you confirm. The due stays open until that tap.

• Shop inventory basics

  One stock number per SKU, reduced when you sell, topped up when the next bag arrives.

• How we calculate interest

  Simple interest, compound interest and EMI, with the day-count each calculator uses.

• What to ignore in tracking software

  A small shop needs five things. AI dashboards and multi-branch warehouses are not among them.

Tools that sit next to the guides

A guide is useless if you still do the arithmetic in your head. Use the GST calculator when a supplier quotes an inclusive price, the interest calculator before you agree a late rate, and the GST invoice generator when you actually have to print a bill. All of them run locally. None of them need an account.