Updated November 2026. Ask any workshop or oil shop owner in Pakistan where the money goes and udhaar comes up within a minute. Credit keeps regular customers coming back, but uncollected credit is cash you have already spent on parts, oil and wages. Here is a simple system to control it.
Quick answer. Write every credit sale against a named customer with a phone number, set a limit for each customer, record part payments the same day, send a polite WhatsApp reminder within a week, and check a list of the oldest dues every Monday.
Seven rules for udhaar that gets paid
- No name, no credit. Every credit bill needs the customer name, phone number and, for workshops, the number plate.
- Set a limit. Decide how much each regular customer, dealer or fleet can owe before you stop.
- Record part payments the same day. A payment written down later is a payment that gets argued about.
- Send the bill on WhatsApp. A customer with the bill on their phone cannot say they never saw it.
- Remind early and politely. A short message with the amount and bill date, a few days after the job.
- Check the oldest dues every Monday. Call the customers who are more than 30 days late first.
- Separate the money. Track cash, JazzCash, EasyPaisa and bank separately so the day close matches.
A WhatsApp reminder that keeps the customer
Keep it short and friendly: greet the customer by name, mention the car or the item, give the amount and the bill date, and offer the easiest way to pay. Avoid group messages and never shame a customer in front of others.
Register or app?
| Udhaar register | App | |
|---|---|---|
| Who owes what | Search through pages | One list, sorted by amount and age |
| Part payments | Crossed out and rewritten | Recorded against the bill |
| Reminders | Phone calls when you remember | Ready WhatsApp message in one tap |
| Limits | In your head | Set per customer |
| Monday review | Rarely done | Aging list on the dashboard |
Frequently asked questions
What is udhaar in a workshop or shop?
Udhaar is credit: work done or goods given now and paid for later. It is normal in Pakistani workshops and oil shops, especially with regular customers, dealers and fleets.
Should I stop giving credit?
Usually not. Credit brings repeat business. The goal is to give it to the right customers, with a limit, and to collect on time.
How often should I send payment reminders?
A polite reminder a few days after the bill, then once a week, works for most customers. Always include the amount and the bill date.
What is an aging report?
A list of money owed, split by how old it is, for example under 30 days, 30 to 60 days and over 60 days. It shows who to call first.
Can software send udhaar reminders on WhatsApp?
Yes. Workshop Bill and the Oil & Tyre POS keep a list of every unpaid and part paid bill and prepare the WhatsApp reminder for you.
Put udhaar on autopilot
Car workshops can track every due, part payment and reminder in Workshop Bill. Oil change and tyre shops get customer ledgers, credit limits and an aging report in the Oil & Tyre POS. Both are Rs 7,000 a month in Pakistan with a free demo.
