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

This app is awesome no doubt but on recent few updates gives to much irritating & 18+ ads ,it's not good ,And then from 6th November for every journal or ledger entry you have only two free transaction & for unlimited transaction you have to pay ₹30 for per month it's not a good update for mine and maybe for all. You have to pay for ads, that's ok but you have to pay for transaction that's not fair i think, that's why now I'm giving 1 star from today I'll not use this app because of last update.

Other apps have more free stuff, but they hit you with ads after every payment. Now, they're only letting us do two free transactions a day, then it's ₹1 each. Since there are so many other options, I'm switching to a different app. So, we're done with OkCredit. developer answers just copy paste not solution.

Once it was the best app for common people to use for their small business, but now with time it becomes a greedy app and no more a free app for common people. Even they have added a lot of ads for revenue but it seems like that's not enough for them. Just a month ago it was a nice app for all. Those who have a good business can take the benefits of added services with a paid subscription and who can't afford to pay have the basic version. But now they made it a fully paid app.