OkCredit: Ledger, UPI, Billing

PSI PHI Global Solutions Private Ltd.

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About this app

OkCredit: manage your business with ease

Made with ❤️ in India 🇮🇳

OkCredit is your trusted business assistant, with the mission to help you grow your business by empowering you with technology.

🌟 Join lakhs of businesses that use OkCredit to manage their business

⭐️ Don't worry if you or your staff are uncomfortable using apps. OkCredit is designed to be very simple to use. If you can use WhatsApp, you will also be able to use OkCredit very easily. OkCredit supports 11 Indian languages - Hindi, Marathi, Gujarati, Telugu, Tamil, Kannada, Malayalam, Punjabi, Bengali, Hinglish, and English

⭐️ Benefits of using OkCredit:
- Grow your business
- Simplify your business operations (ledger, billing, payments, stock, and more)
- Build trust with your customers and suppliers
- Save time, which you can spend with your family and loved ones
- Get access to business loans to grow your business even more
- Be a part of the Digital India revolution

📚 Ledger (Khata) - Keep track of the money that you will receive from your customers and the money that you need to pay to your suppliers. Build trust with customers by automatically sharing account balances instantly after every transaction. Check detailed reports (and statements) to track the health of your business.

💵 Payments (UPI) - Collect payments from your customers and make payments to your suppliers using UPI, net banking, debit card, etc. Scan any QR to pay, and show the QR to customer to collect. Automatically settle ledger balance on payment. Use UPI directly from inside OkCredit app (similar to BHIM UPI, PhonePe, PayTM, GooglePay), authorized by NPCI. Send and receive payments through BHIM UPI and with over 100 banks.

NOTE: In compliance with NPCI guidelines, SIM binding is required for authenticating UPI transactions. We request SMS permission for the same.

🧾 Billing - Make bills (kacha bill, pakka bill, GST bill, non-GST bill) and share them with your customers or accountants. Automatically make an entry in the ledger if a bill is unpaid. Collect payments for your bills (UPI, net banking, etc). Select and update items from stock when creating bills.

💰 Collections - Send automatic payment reminders to your customers via WhatsApp or SMS. Set up bulk reminders. Never miss a due date, save losses.

📦 Stock - Keep track of your stock and manage your inventory. Automatically update stock when you make a sale or purchase. Get low stock alerts. Use stock items while making bills.

💰 Loans - Get business loans to grow your business. Get 100% paperless business loans with Lower interest rates and up to INR 1,00,000 loan, Repay in Easy Daily Instalments (EDI) within 3-14 months. Low processing fee of 2%.

APR Range - 18%-24%
Example: For Loan amount = ₹100,000 Tenure ~ 13.5 months and Interest rate ~ 19.11% per year, the interest portion will be ₹21500 (100,000*13.5/12*19.11%). The repayment amount including interest will be ₹121,500, translating into an EDI of ₹300. The processing fee is 2.36% (inclusive of GST). The processing charges will be ₹2360. Disbursed Amount = ₹100,000 - ₹2360 = ₹97,640

Lending Partners (RBI-approved NBFC):
Fintree Finance Pvt. Ltd. (https://fintreefinance.com)
Hindon Mercantile Ltd. (https://mufinfinance.com)
Vivriti Capital Ltd. (https://www.vivriticapital.com/digitalLending.html)
Apollo Finvest (https://www.apollofinvest.com/list-of-lending-service-providers)
Transactree Technologies Pvt. Ltd. (https://www.lendbox.in/channel-partner-investor)

🔒Data Security - Never worry about losing your data. Your data is securely backed up in the cloud in real time. You can still access your data even if you lose your mobile phone.

🔒 Privacy - We take your privacy very seriously. We do not share your data with anyone.

📡 Offline Usage - OkCredit works even when you are offline. You can use OkCredit even in remote areas with poor internet connectivity.

📞 24/7 Customer Support - Contact us on WhatsApp at [phone] or via email at [e-mail]

Ratings and reviews

OK Credit app had a limit of only 2 transactions per day, which was not suitable for my usage. Because of this limitation, I stopped using OK Credit. I have now switched to Zoho Daybook – Ledger Book. The app is simple, easy to use, and entering transactions feels smooth. So far, the experience has been quite good

I want to share my honest feedback about the OK Credit app. Earlier, it was a very good app—we used it regularly to manage entries and updates. Ads were also shown, which was understandable because the platform likely earns revenue through them, and we were fine with that. However, now it feels like the company has become too greedy. Not only are ads still being shown, but they are also forcing users to subscribe to a ₹30 plan for 30 days.

It doesn't ask where to save also. There is no selection of account statement download path and i didn't get any files downloaded to my device. Moreover we can't get any support from the web. I hope you resolve the problem. it's a waste of money if you can't resolve

What’s new

Latest updates include performance improvements & bug fixes. Keep your app updated to enjoy the latest features on our app!