MunshiMunshi, OkCredit and Vyapar overlap on one thing, keeping a record of who owes you, and differ on almost everything else. Munshi is a free khata for udhaar, cash and expenses, in Urdu or English, that works offline. OkCredit is an India-focused ledger with UPI, GST bills and stock on its listing, and paid plans. Vyapar is billing, inventory and GST software with a free trial and paid plans. For a small shop that mainly sells on credit, a khata is usually enough. For GST invoices and stock, the other two are built for the job. We make Munshi, so we are not a neutral reviewer. We quote OkCredit from its own pages in October 2026, and describe Vyapar in general terms because sources disagree on its current prices.
The three apps in one paragraph each
Munshi (from DIGIT, Pakistan) is a khata app. It tracks customers and suppliers with “You gave” and “You got” entries, a Cash Book, a Bank book and expenses, makes Urdu or English statements and reports, and sends WhatsApp reminders that you press Send on. It is free, with small ads, and needs no subscription.
OkCredit is an Indian ledger app. Its own pages describe a free Basic plan with ads and paid plans from ₹30 to ₹99 for 30 days, UPI collection inside the app, GST and non-GST bills, stock and automatic reminders. Its listing names 11 Indian languages, and Urdu is not among them. See our full Munshi vs OkCredit comparison.
Vyapar is a billing, inventory and accounting app for small Indian businesses. Its pages describe GST invoices, stock tracking with low-stock alerts, party ledgers and a cash book, on Android and desktop, with a free trial and paid plans. Prices differ between its own comparison pages and third-party listings, so check vyaparapp.in directly.
Side by side
Munshi, OkCredit and Vyapar compared (public pages, October 2026; check current pages)
| Munshi | OkCredit | Vyapar | |
|---|---|---|---|
| Mainly for | Udhaar, cash, bank, expenses | Customer and supplier ledger, with UPI, bills and stock | Billing, inventory and accounting with GST |
| Price | Free, small ads, no subscription | Free Basic with ads; paid plans listed from ₹30 to ₹99 for 30 days | Free trial, then paid plans; figures differ across sources |
| Offline | Yes, syncs later | Listing says offline use | Described as offline-first, on mobile and desktop |
| Urdu | Whole app in Urdu or English | Not among the 11 languages named | Check the interface languages |
| GST bills and stock | No | Yes, on the listing, some on paid plans | Yes, a core feature |
| WhatsApp reminders | Opens ready text; you press Send | Listing says automatic reminders | Check current features |
| Best fit | Pakistan khata, thin margins | Indian shop wanting UPI and bills | Indian business needing GST invoices and stock |
These are public-page summaries, not a lab test. Apps change, and a page that does not mention something does not prove it is absent.
Which is better for a small shop? It depends on the job
- You sell mostly on credit to regular customers and your problem is remembering who owes what: a khata app. Munshi is lighter than the other two and keeps everything in your language.
- You issue GST invoices or must show tax-ready bills: OkCredit’s paid plans or Vyapar. Munshi has no invoicing or GST.
- You track stock closely, with item counts and low-stock alerts: Vyapar, or OkCredit’s paid stock tools. Munshi has no stock.
- You work in Urdu, and your staff and customers read Urdu: Munshi. Check the language settings before you commit to any other app.
- Margins are thin and you want no monthly fee: Munshi, or the free tier of the others, which has limits.
- You are in Pakistan: UPI and GST are Indian systems, so those features do not apply to you, and a khata built for Pakistan fits more naturally.
What “free” means in each
Munshi is free with small ads marked “Ad” that never appear while you add an entry, sign in, unlock the app or send a reminder. There is no paid tier for entries, backup or statements. OkCredit’s Basic plan is free with ads, and the features you may want, such as ad-free use, more devices, bills and stock, sit in paid plans on its pricing page. Vyapar offers a free trial rather than a permanent free plan, according to its own pages. Reading what is locked is more useful than reading the word “free”. See what “free” really means in bookkeeping apps.
Reminders: automatic or by hand
OkCredit’s listing describes automatic WhatsApp or SMS reminders. Munshi does the opposite on purpose: the reminder opens in WhatsApp with the message ready, and you press Send. That keeps you in control of tone with long-standing customers, and nothing goes out without you. Neither is right for everyone; if you have hundreds of customers, automation helps, and if you value the personal touch, a reminder you send yourself does. See WhatsApp reminder templates.
Data, backup and leaving
Whichever you choose, ask three questions. Can I export my customers and balances? Can I back up somewhere I control? What happens to my data if I stop paying? Munshi backs up to your own Google Drive and exports statements and reports as PDF or Excel. Check the same on any app before moving your records. If you already hold a spreadsheet, Munshi can import customers from Excel or CSV.
A two-week test that settles it
- Pick your two likeliest apps from the table.
- Enter the same ten real customers in both.
- For two weeks, record every credit and payment in both.
- Use airplane mode once to test offline entry.
- Make a statement for one customer in each and open it on another phone.
- Keep the one you opened every day without being reminded.
Our honest verdict
If you are a Pakistani shop that gives udhaar, Munshi is the better fit because it is free, runs in Urdu, works offline and does nothing you do not need. If you are an Indian business that issues GST bills and tracks stock, Vyapar or OkCredit’s paid plans do jobs Munshi deliberately does not. If you are somewhere in between, run the two-week test. For more, see Munshi vs Khatabook and the best khata apps in Pakistan compared.