Zarai OS
Dealers and shops
Fertiliser, seed, spray and other inputs bought on udhaar, each payment, and the extra paid for credit when you give the cash price.
How it works
From one purchase on udhaar to a clear khata
You record what happened, when it happened. ZaraiOS does the adding up, so the khata is right even months later.
- 1
Buy on credit
On any cost, such as fertiliser, seed or spray, choose "On credit (udhaar)" and pick the dealer, arhti or shop. You can add the cash price, to see the extra paid for credit, and the date you will pay by.
- 2
Pay in parts
On the dealer's page, tap Pay. The app suggests what is owed; you can pay less, in cash or in crop. Paying more than owed shows as an advance.
- 3
See who you owe, and who owes you
The Money tab shows the total owed to dealers and arhtis, to each one, and the money buyers still owe you.
- 4
Get reminded before it is due
A pay-by date on credit or a loan becomes a phone reminder while money is still owed. Overdue dates are marked.
Who it covers
One khata for each person you deal with
Each person gets their own page with what is owed, every entry and its date, so nothing depends on memory.
Arhtis
Credit or advances from the arhti. When you sell through an arhti you owe, "keeps what I owe" records the payment from the sale.
Buyers who pay later
Choose "Buyer pays later" on a sale. The buyer owes the money you get after commission and other deductions; tap Received when it is paid.
Landlord and theka
On a field held on theka, the theka is owed to the landlord from the date you set, and paid with Pay like a dealer.
Bank, ZTBL or a relative
Cash borrowed, with an optional pay-back date. A loan is not counted as a cost or income. Markup or interest that you enter is counted as a farm cost.
Labourers
What each labourer is owed from attendance and wages, and every payment made to them.
From the khata register to your phone
A notebook khata only shows what someone remembered to write. ZaraiOS keeps the balance after every entry. Example of one dealer's khata:
| What happened | Amount | Still owed |
|---|---|---|
| DAP bought on credit from the dealer | Rs 12,000 | Rs 12,000 |
| Part payment to the dealer | Rs 5,000 | Rs 7,000 |
| Wheat sold through the arhti; he keeps what is owed | Rs 7,000 | Rs 0 |
Example amounts only. A purchase on credit counts as a crop cost on the day it is bought, so the crop report is right before you pay; the payment is not counted as a cost again.
Credit purchases are also part of each crop's cost. See how farm expense tracking works
Land on theka or batai has its own hisab too. See theka and batai accounts
Kisan khata questions
Can I keep a separate khata for each dealer and arhti?
Yes. Each dealer, arhti, shop, buyer, landlord or lender has their own page with what is owed, every purchase and payment, and its date.
Can I pay a dealer in parts?
Yes. Pay suggests the full amount owed, but you can enter any amount. The rest stays owed. You can also pay in crop instead of cash.
What if the arhti keeps what I owe from my sale?
Choose the arhti on the sale form and tick that they keep what you owe. The payment to the arhti is recorded from the sale, and the full sale still counts in your sales.
Can I record money that buyers owe me?
Yes. Choose "Buyer pays later" on the sale. The Money tab shows what each buyer owes you, and Received records the money when it comes.
Does the app calculate markup or interest?
No. You enter the markup or interest amount. ZaraiOS records it as a farm cost and adds it to what is owed; it does not apply rates.
Will it remind me when a payment is due?
Yes, if you give a pay-by date on credit or a pay-back date on a loan. The reminder comes as a phone notification while money is still owed.
How is this different from a shop khata app?
A shop khata app keeps customers and sales. ZaraiOS is made for a farm: udhar is linked to the crop it was spent on, an arhti can keep what you owe from a sale, and the crop report shows your real profit.
Does ZaraiOS give loans?
No. ZaraiOS only keeps your records. It is not a bank or lender.
Does the khata work without internet?
Yes. You can record without signal. Internet is needed at times to create your account and sync records to your other phone.
Early access
Keep your farm khata on your phone
ZaraiOS is accepting applications from Pakistani farmers for its Android early-access test.