Pakka Khata vs CreditBook — Mandi Software vs SME Digital Khata
CreditBook aik maaroof Pakistani SME app hai — aik digital khata (CashBook, StockBook, SMS + WhatsApp payment reminders, mobile-load ke liye wallet) jo ab SECP-licensed SME lending business mein bhi barh chuki hai. Kiryana, general store ya chote wholesaler ke liye yeh waqai mufeed combination hai. Is page ki imaandar baat scope hai: CreditBook retail SMEs ke liye bani hai, mandi ke liye nahi. Is mein adhat, bardana, nami/mitti, mandi lot, gate pass, cold-storage chamber ya kacha/pakka arhti settlement nahi. Aam dukaan ke khata (aur foran working-capital financing) ke liye CreditBook theek hai; mandi adhati ke liye kaam ledger par ruk jata hai.
| Feature (Khusoosiat) | CreditBook | Pakka Khata |
|---|---|---|
| Digital Khata / Party Ledger | Mazboot — saaf cashbook aur party balances | Party ledger + aging buckets, mandi flow mein |
| SMS + WhatsApp Payment Reminders | Ji haan — CreditBook ki ahem khoobi | Bulk reminders + ek tap parchi + scheduled chasers |
| Stock / Inventory Book | Aam dukaan inventory ke liye StockBook | Mandi khareed-o-farokht se juri lot-aware inventory |
| Adhat Calculation | Feature nahi — yeh SME khata hai, mandi software nahi | Har lot par fasal/party/season ke hisaab se khud-kaar |
| Bardana, Nami, Mitti Katautiyan | Dastiyab nahi | Fi bori rules har lot par khud-kaar |
| Lot Tracking aur Mandi Gate Pass | Dastiyab nahi | Mukammal lot lifecycle + gate pass |
| Cold Storage Chamber / Fi Bori Kiraya | Dastiyab nahi | Chamber stock, fi bori mahana kiraya, QR gate pass |
| Kacha / Pakka Arhti Settlement | Dastiyab nahi | Kissan + khareedar do-tarfa commission settlement |
| Urdu + Mobile + Muft Aaghaz | Ji haan — Urdu (aur Sindhi/Pashto/Punjabi), mobile-first, free app | Urdu-first, mobile + web, muft aaghaz |
| Kya Mandi Operations ke liye bana hai? | Nahi — retail SMEs (dukaanein, wholesalers) + lending ke liye | Ji haan — adhati, beopari, mill, cold storage ke liye |
Sourcing note: Yeh moazna July 2026 tak CreditBook ki official documentation aur pricing pages se verified hai. Product features waqt ke saath badal sakti hain — taza-tareen detail ke liye CreditBook ki apni website check karein. Koi ghalat bayani mile to contact@techzoq.com par batayein; hum 48 ghanton mein update kar denge.
Khulasa
CreditBook lending arm ke saath aik mazboot SME digital khata hai — aur Pakka Khata is ka ehtraam karta hai. Lekin yeh mandi software nahi. Agar aap retail shop chalate hain aur cashbook, reminders aur financing chahte hain to CreditBook fit hai. Agar aap mandi par adhat, bardana, lot, gate pass aur do-tarfa arhti settlement chalate hain to Pakka Khata isi ke liye bana hai.
Aaj hi Pakka Khata shuru karein
Free plan hamesha ke liye. 14-din Pro trial, koi credit card nahi chahiye.