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Calculators › Udhaar recovery calculator

Udhaar recovery calculator

How long a customer takes to clear udhaar at a fixed weekly or monthly payment, and what to ask for to clear it by a date you choose.

Also searched as: udhaar wapas kaise lein · khata balance kab khatam hoga · qarz wapsi calculator

Payments needed
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Time to clear
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Clear by about
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What should I ask for to clear it sooner?

Ask for each time

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Count the new udhaar too

A customer who pays Rs 1,500 a week but takes Rs 500 of new udhaar is really paying back Rs 1,000. That's why some balances never seem to go down. Put the new udhaar in the second box and the real time to clear shows up.

Agree a fixed amount and a fixed day with the customer, write it in the khata, and send a polite reminder the day before. Small, regular payments come back far more often than one big promise.

Common questions

Why does a customer's udhaar never go down?

Because new udhaar is taken while paying the old. Paying Rs 1,500 a week but taking Rs 500 new is only Rs 1,000 a week of real repayment.

How much should I ask for each week?

Balance ÷ number of payments you want, plus the new udhaar they usually take. Rs 18,000 over 6 weeks with Rs 500 new each week is Rs 3,500 a week.

What is the best way to get udhaar back?

Agree a fixed amount and day, write it in the khata, and send a polite WhatsApp reminder the day before. Small regular payments come back more often than one big promise.

Do this every day without a calculator

Stop losing money in a paper register. Every udhaar bill goes into the customer's khata by itself, you see who owes what, and one tap sends a polite WhatsApp re...

Read the full guide

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