LenDen Blog
Hisaab-kitaab tips, khata guides, and honest comparisons for shopkeepers, distributors, and agents across India.
29 articles
Surviving the Diwali Udhaar Spike
Festive season doubles your sales and your credit exposure at the same time. How to prepare stock and limits beforehand, what to do during the rush, and the January recovery plan.
8 Sept 2026 · 6 min readShop FinanceWhat Records an Indian Shop Must Keep (and Why It Pays To)
The records a small Indian shop should maintain — sales, purchases, cash, udhaar, GST documents — how long to keep them, and why purchase bills are the cheapest tax saving available to you.
5 Sept 2026 · 6 min readShop FinanceMarkup vs Margin: Pricing Goods Without Guessing
The arithmetic mistake that quietly costs Indian shops thousands a year — what markup and margin actually mean, the one formula to memorise, and how to price a category deliberately.
4 Sept 2026 · 6 min readShop FinanceHow to Calculate Your Shop's Real Daily Profit
A five-minute daily close that tells you what you actually earned — why day-end cash is not profit, how to allocate fixed costs per day, and the weekly check that catches leaks.
3 Sept 2026 · 6 min readShop FinanceWhy You're Profitable but Have No Cash
Profit and cash are different numbers, and the gap between them is where small shops get caught out. Where your profit actually goes, how to find it, and the two figures to watch monthly.
2 Sept 2026 · 6 min readShop FinanceSeparating Shop Money From Personal Money
The one habit every other shop number depends on — how to split shop and household money in practice, how to pay yourself, and what to do about the drawer you have always shared.
1 Sept 2026 · 6 min readComparisonsWhich Khata Setup Fits Your Trade: Kirana, Dairy, Medical, Hardware
Different trades break a khata in different ways. What matters for a kirana store, a dairy round, a medical shop, a hardware dealer, and a distributor agent — and what to set up differently for each.
28 Aug 2026 · 6 min readComparisonsDo You Need GST Billing Software, or Just a Khata?
Whether your shop needs GST billing software depends on registration, not size. How to tell which side of the line you are on, what a tax invoice must carry, and why a khata is not a billing tool.
27 Aug 2026 · 6 min readComparisonsKhata App vs Accounting Software: Which Do You Actually Need?
A khata app tracks who owes what; accounting software produces books. What each category does, why many shops run both, and how to tell which problem you actually have.
26 Aug 2026 · 6 min readDigital KhataSharing Your Khata With Staff Without Losing Control
How to let staff record entries without losing the ability to know who did what — why shared logins fail, what permissions to look for, and the paper-then-enter fallback that actually works.
25 Aug 2026 · 7 min readDigital KhataRunning Two Shops From One Khata
How to keep two businesses in one khata app without mixing their books — why separate businesses beat prefixed party names, how to handle shared parties and transfers, and what to compare monthly.
22 Aug 2026 · 6 min readDigital KhataMoving Your Paper Khata to an App Without Losing History
A one-hour migration plan for shifting a paper bahi khata to a digital one — what to carry over, what to leave in the notebook, how to reconcile opening balances, and the first week.
21 Aug 2026 · 7 min readDigital KhataHow to Fix a Wrong Khata Entry (Why Reversals Beat Deletes)
The right way to correct a mistaken entry — wrong amount, wrong direction, wrong party, duplicates — so the balance ends up right and the history still explains itself.
20 Aug 2026 · 6 min readDigital KhataReading a Party Ledger: Debit, Credit, and "Kitna Baaki"
How to read a party ledger line by line — what given and received mean, why every entry shows a running balance, how debit and credit map onto shopkeeper language, and how to spot an error.
19 Aug 2026 · 6 min readDigital KhataExporting Your Khata for Your Accountant (Without the Shoebox)
What your accountant actually needs from your khata, how to export a ledger or party report as CSV or PDF, the 90-day range limit to plan around, and how to hand over a year cleanly.
18 Aug 2026 · 6 min readUdhaar & RecoveryBad Debt: When to Stop Chasing and Write It Off
How to decide that udhaar is genuinely unrecoverable, how to write it off without destroying your records, what it does to your accounts, and what each write-off should teach you.
15 Aug 2026 · 7 min readUdhaar & RecoveryHow to Write an Udhaar Receipt That Holds Up Later
A simple udhaar slip format you can write in thirty seconds, what each line is doing, when a plain slip is enough, and when you need a promissory note or a cheque instead.
14 Aug 2026 · 7 min readUdhaar & RecoveryWhen a Customer Refuses to Pay: Your Options in India
What to do when udhaar stops being late and becomes a refusal — the economics of chasing it, the three-year limitation clock, legal notices, cheque bounce cases, Lok Adalat, and what not to do.
13 Aug 2026 · 8 min readUdhaar & RecoveryUdhaar Limits: How Much Credit Should You Give a Customer?
A simple rule for setting per-customer udhaar limits, worked through with real numbers — plus how to raise a limit, when to cut it, and how to say no without losing the customer.
12 Aug 2026 · 6 min readUdhaar & Recovery12 WhatsApp Payment Reminder Templates That Actually Get You Paid
Copy-paste WhatsApp messages for chasing pending udhaar — from a gentle day-7 nudge to a final notice — with the wording that works and the wording that gets ignored.
11 Aug 2026 · 6 min readShop FinanceSmall Shop Bookkeeping: A Practical Guide
Bookkeeping for an Indian retail shop without an accounting degree — separating shop money from personal, knowing your real daily profit, why cash and profit differ, and which records you must keep.
6 Aug 2026 · 9 min readUdhaar & RecoveryThe Complete Guide to Managing Udhaar for Indian Shopkeepers
How much udhaar to give, how to record it, when to chase it, and when to write it off — a working system for shopkeepers, built around the numbers rather than memory.
6 Aug 2026 · 10 min readComparisonsBest Khata Apps in India (2026): An Honest Comparison
A practical comparison of khata and udhaar apps for Indian shopkeepers — what to test before you commit your shop's hisaab, where each type of app fits, and where LenDen does and does not.
6 Aug 2026 · 10 min readDigital KhataBatch Entry: Log a Whole Distributor Run in Two Minutes
How batch entry works — one party, many amounts, one save. What it is good for, what it is not, and the accuracy checks worth doing before you press save.
20 Jun 2026 · 6 min readComparisonsFree Khata Apps: What "Free" Actually Means
Every khata app is free to start. What differs is where the wall sits — party caps, export paywalls, entry limits. How to find the wall before you migrate months of data, including ours.
18 Jun 2026 · 7 min readShop Finance5 Hisab-Kitab Mistakes Shopkeepers Make (and What They Cost)
The five habits that quietly drain small shops — deferred entries, mixed money, no backup, undated balances, no review — with the arithmetic of what each one costs and the fix for each.
16 Jun 2026 · 6 min readUdhaar & RecoveryHow to Politely Recover Udhaar From Customers
The conversation side of recovery — reading whether someone can't pay or won't, what to actually say at the counter, how to negotiate a payment plan, and the mistakes that cost you the customer as well as the money.
14 Jun 2026 · 7 min readDigital KhataHow to Keep a Digital Udhar Khata: The Complete Guide
Set up a digital udhar khata that actually stays accurate — parties, same-day entries, reading balances, fixing mistakes, exports, and the weekly review that keeps it honest.
12 Jun 2026 · 10 min readComparisonsPaper Khata vs Digital Khata: Which Fits Your Shop?
An honest comparison of the paper bahi khata and a khata app — where each genuinely wins, the real costs on both sides, and the specific cases where paper is still the better choice.
10 Jun 2026 · 6 min read