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Credit ledger (udhar)

Every fill and every settlement, with balances aged into buckets automatically — because a balance without an age is not information.

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Excel .xlsx, no email and no sign-up. Every derived cell is a real formula rather than a number somebody typed.

Download credit ledger (udhar)

  • Transactions — one row per fill and per settlement, sale value computed
  • Customers — balances and ageing pulled from the transactions by formula
  • Ageing buckets: current, 30, 60 and 90-plus days

The format is argued for in managing credit customers.

One total is not a receivables position

Most outlets know what they are owed. Far fewer know how long they have been owed it, and that second number is the one that decides whether the money arrives.

The sheet ages every balance into current, thirty, sixty and ninety-plus days, computed rather than sorted by hand. That split is what turns a figure you worry about into a list you can act on: the ninety-day column is where a conversation is overdue, and it is almost always shorter than the owner fears and older than they think.

Credit is why a shift can look short when nothing is missing

A litre sold on credit leaves the tank and brings in no cash. If the day's expected revenue is computed from litres and compared against what was collected, every credit sale reads as a shortfall until it is subtracted.

That is not a subtlety — it is the single most common reason an owner suspects staff. The ledger exists so the credit figure is a number you have rather than a number you estimate at the end of the month, and so it can be taken out of the reconciliation on the day it happens.

A limit is a kindness

The sheet has a limit column because an account with no limit is not a relationship, it is an exposure that grows until something forces the conversation. Setting one early is easier on both sides than stopping supply later, and it is the difference between a customer who owes you a fortnight and one who owes you a quarter.

Questions about the credit ledger (udhar)

How do I reconcile this against the daily sheets?

Credit given on a day should equal the credit line in that day's collections, and payments received should appear in the cash or bank line. Doing it monthly means finding a discrepancy thirty days after the shift that caused it, when nobody remembers.

What about fleet cards — are they credit?

They are credit with somebody else's paperwork. The money arrives on a settlement cycle rather than at the pump, so treat them as their own line rather than as cash, and reconcile them against the settlement statement rather than against the drawer.

Is this the same as an udhar register?

Yes — the same thing, with the ageing computed. That is the only real difference and it is the one that matters: a register kept as a running list tells you the total, and this tells you which balances have stopped moving.

Close the day. Cleanly.

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