Udhar Kitna Dena Chahiye – Credit Limit for Kirana Customers

Giving udhar (credit) builds customer loyalty but carries risk. Here’s how to set limits.

Factors to Consider

• Customer history – Long-term, pays on time? Higher limit.
• Your cash flow – Don’t tie up too much in dues.
• Order size – Limit as % of typical purchase or fixed amount.
• Payment cycle – Weekly settlement? Monthly? Adjust limit.

Practical Limits

• New customers – Start small (₹500–2000). Increase after 3–6 months of timely payment.
• Regular customers – 1–2 weeks of average purchase. E.g., ₹200/day × 14 days = ₹2800.
• Wholesale/B2B – Based on credit period (7, 15, 30 days) and order value.

Rules to Follow

1. Write it down – Use a udhar ledger or app.
2. Remind before due – WhatsApp or in-person.
3. Stop credit if overdue – Don’t extend until old dues clear.
4. Charge interest (optional) – Use our udhar calculator.

[Stockkeeper](/ “#waitlist) tracks udhar with stock. Join the waitlist.