Calculations

Mahandi (Grower Advance / Consignment)·مہاندی

Roman Urdu: Mahandi / Mahaandi

Mahandi is the advance an adhati gives a fruit or vegetable grower before harvest, in return for the grower consigning their crop to that adhati when it is ready. It binds the kissan to sell through that adhati, who recovers the advance from the sale proceeds and earns arhat on the lot. Mahandi is common in mango, kinnow and vegetable belts where growers need cash for inputs early in the season, well before the daam is set at boli.

Example usage

Example: Mahandi (Grower Advance / Consignment) is shown as a separate line on the parchi so the farmer, buyer, and munshi can see the final settlement clearly.

Frequently asked: Mahandi (Grower Advance / Consignment)

What is the difference between mahandi and a normal udhaar?+
A normal udhaar is just credit to be repaid in cash. Mahandi is an advance tied to a future crop — the grower repays it by consigning the harvest to that adhati, who deducts the advance from the lot's sale proceeds and keeps the selling relationship.
What risk does an adhati take when giving mahandi?+
Two risks: the crop can fail (weather, disease) leaving the advance unrecovered, and the grower can side-sell to another buyer who offers a higher daam. That is why mahandi is given to known growers and tracked carefully against each kissan's ledger.
How does Pakka Khata record mahandi against a grower?+
The advance posts as a receivable on the grower's ledger when paid. When the crop arrives and sells, the app deducts the outstanding mahandi from the lot's net payable on the parchi, so the grower's balance settles automatically and any remaining advance carries forward.

How Mahandi (Grower Advance / Consignment) works inside Pakka Khata

Pakka Khata makes mahandi (grower advance / consignment) automatic, transparent, and dispute-free.

Pakka Khata for Fruit Mandi

Digitize your mandi khata

Arhat, bardana, lots, gate pass — all automated, in Urdu, even offline.