OkCredit: Ledger, UPI, Billing

PSI PHI Global Solutions Private Ltd.

Contains ads

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.

I am very disappointed with how OkCredit has changed recently. This app used to be simple, clean, fast, and completely ad-free. But now the free version has become almost unusable — too many ads, too many restrictions, and most basic features are locked behind the premium plan. This is extremely unfair to old and loyal users who supported this app from the beginning. If you don’t restore the simple and usable free version, many users (including me) will be forced to leave and switch to other

Earlier I rated OkCredit 5 stars, but now they allow only 2 entries per day unless we buy a subscription. This has created a big problem. I’m not a businessman, I only record small daily dealings. I have 7–8 years of data saved here, and suddenly putting such limits feels unfair. Too many ads are shown now and the app has become completely business-minded. Very disappointing update