Rupin (formerly Udhaar Book)

Toko Lab Inc.

About this app

Your money. Your books. Your whole business, in one place.

Rupin (formerly Udhaar Book) is a business management app for accounting, bookkeeping, payments, sales, expenses, and invoicing. Manage cash and credit / khata, send invoices, and understand profits. Trusted by 5.6M businesses.

Everything your business needs. One secure app.

Sell & Accept Payments
Sell your way, from quick sales and invoices to POS. Accept cash, credit, bank transfers, or QR payments.

Manage Stock & Finances
Track inventory, purchasing, and expenses while keeping your accounting organized.

Manage Receivables & Khata
Stay on top of credit and udhaar without repeated follow-ups. Rupin reminds customers about outstanding payments, helping you collect faster.

Everything Works Together
Rupin brings payments and bookkeeping together, so every rupee collected, spent, or owed is reflected in your records.
Collect and manage money through your Rupin Business Wallet and business account. See money in and out.
Sales, expenses, purchases, payments, and receivables stay up to date, giving you a clear view of inventory, cash flow, and profits.

Collect Payments Easily
Rupin Wallet makes it easy to collect, send, and manage money.
• Accept QR and digital payments
• Receive money through JazzCash, Easypaisa, Omni, Raast, IBFT, and other wallets
• Send money to suppliers, vendors, and wholesalers
• Cash in, cash out, and view transactions

Rupin Wallet operates under the State Bank of Pakistan’s regulatory framework for Electronic Money Institutions (EMIs).

Manage Your Business Finances
Move from manual registers to simple, organized, and backed-up digital records.
• Digital khata & credit ledger
• Personal khata & cash book
• Accounting & bookkeeping
• Expense tracking & expense management
• Receivables & payables
• Purchasing & inventory
• Profit & loss

Send WhatsApp and SMS payment reminders to collect faster.

Create Professional Invoices
Create GST and Sales Tax compliant invoices in seconds. Customize your logo, products, taxes, discounts, and customer details. With Rupin’s Invoice Maker, add a payment QR code and bank account details so customers can pay digitally.

Sell Smarter With POS
Run your counter with a powerful POS. Process sales, print receipts, apply discounts, manage customers, and keep inventory and accounting up to date.

Manage Inventory & Stock
Know what you have, what’s selling, and what to order. Get real-time inventory, low-stock alerts, and top-selling insights while keeping inventory, POS, and accounting in sync.

Organize Your Cash Book
See your cash flow. Every rupee in and out, from khata collections and sales to expenses and purchases. Rupin’s Cash Book keeps your balances organized.

Manage Your Team
Manage employee records, attendance, salaries, overtime, advances, and payroll in one place.

Earn More From Every Transaction
Earn cashback directly into your Rupin Wallet.
• Jazz, Zong, Ufone & Telenor recharge
• PUBG, Free Fire, Netflix, Spotify & Amazon vouchers
• Utility bill payments including KE, LESCO, MEPCO, IESCO, FESCO, GEPCO, PESCO, SSGC, SNGPL and more.

Built for the Way You Do Business
Whether you run a services business like a salon, clinic, law firm, or repair shop; retail like a general store, pharmacy, or clothing; or a wholesale, distribution, or online business, Rupin adapts to you.

From payments and accounting to invoicing, POS, inventory management, and stock control, Rupin gives you the tools to run your business and support business growth.

Udhaar Book is now Rupin. Your business records stay with you, while you get access to a broader platform for managing payments, finances, and everyday business operations.

Join 5.6 million+ Pakistani businesses already using Rupin.

📞 [phone]
📧 [e-mail]
🌐 rupin.pk

Ratings and reviews

I’ve used it for a month for e-load, bill payments, packages, customer support, and other services. My honest review: E-load is fast, with better commissions than many others. Customer service is excellent, fast, and available 24/7. Bill payments are quick, with fair rewards. Package subscriptions are fast on all networks. Transactions are seamless. Sales, inventory, stock, invoices, and cash books are free and very helpful for business accounting. If it stays this good, I’ll use it for life.

vary bed experience after new update Very disappointing experience after the latest update. CashBook now only lets us view one year of data, with no option to access older records. I can no longer view my previous data, which is extremely frustrating. The original Cash In and Cash Out display has also been replaced with customer-specific Cash In/Out options, which makes no sense in that section and makes the app confusing to use. Please restore access to all historical data and bring back the

I really like this app, especially its syncing and backup system. Transactions sync to other devices within seconds, and I’ve never had any difference in my accounts. I also really like the new PDF statement design. It is much cleaner and easier to understand than the old design, especially for people who are not comfortable with English. One suggestion: please remove the Description column. It repeats information already shown in the Amount column(+/-).