Jama (Payable / Credit)·جمع
Roman Urdu: Jama / Jama Hona
Jama is the traditional bahi-khata word for the CREDIT side of a party's account — a payable, i.e. money the adhati owes the party. A common case is a farmer (kissan) whose produce has been sold but not yet paid out: the sale proceeds sit on the jama side of their khata until settled. In mandi speech 'tumhara jama hai' means 'this much is credited to you — I owe it to you'. In modern accounting terms, jama = a payable / creditor balance, and is the mirror image of naam.
Example usage
Example: the munshi prepares the jama (payable / credit) and shares it with the buyer or driver on WhatsApp.
Frequently asked: Jama (Payable / Credit)
What is the difference between jama and naam?+
Why does a farmer's sale sit on the jama side?+
How does Pakka Khata track jama balances?+
Related terms
Naam (Receivable / Debit)·نام
Naam is the traditional bahi-khata word for the DEBIT side of a party's account — a receivable, i.e.…
Khata (Ledger)·کھاتہ
The book of accounts maintained by an adhati — one page per party (farmer/buyer/agent) showing every…
Nakdi vs Udhaar (Cash vs Credit)·نقدی بمقابلہ ادھار
Nakdi (cash) means payment is made immediately on the deal; udhaar (credit) means it's paid later, c…
How Jama (Payable / Credit) works inside Pakka Khata
Pakka Khata makes jama (payable / credit) automatic, transparent, and dispute-free.
Party Ledger Feature →Digitize your mandi khata
Arhat, bardana, lots, gate pass — all automated, in Urdu, even offline.