Digital Udhaar Khata for Indian Shopkeepers

OVERC is a mobile-friendly shop credit ledger. Record customer udhaar (credit sales), prepare purchase notes to share through WhatsApp, and keep track of due dates and repayment follow-ups.

Open OVERC / Get started How OVERC works

OVERC is a record-keeping and follow-up tool, not a bank, lender, payment processor, or guarantee of repayment.

How OVERC helps manage shop credit

1. Record an udhaar sale

Keep customer details, items, amount, and due date together in your shop ledger.

2. Share a purchase note

Prepare a buyer-facing purchase-note link and open WhatsApp with a ready-to-send message. You choose whether to send it.

3. Follow up on payments

Track recorded repayment status and prepare a WhatsApp reminder for an outstanding balance.

Who is OVERC for?

OVERC is designed for Indian merchants who sell on credit, including kirana stores, local retailers, and other shops that need a simple way to keep customer udhaar records organized.

Does OVERC automatically send WhatsApp reminders?

OVERC prepares a message for you to share using WhatsApp. A prepared message is not proof that it was sent, delivered, or read.

Does OVERC provide loans or guarantee recovery?

No. OVERC helps record credit transactions and manage follow-ups. It does not lend money, make credit decisions, or guarantee that a customer will repay.

What about OVERC Score and AI calls?

These are beta features. The OVERC Score is not a credit-bureau score. For current feature details and limitations, read the OVERC FAQ.

Start keeping a clearer udhaar record

Open the OVERC web app to sign in and set up your shop.

Open OVERC