# Rupin (formerly Udhaar Book) — Business Account & Payments

> Digital ledger for credit, cash, salaries, invoices, and inventory management. (iPhone/iPad app by Toko Lab Inc..)

- Source: https://appshunter.io/ios/app/rupin-formerly-udhaar-book/id1542333203 (this page in markdown: same URL + `.md`)
- Developer: [Toko Lab Inc.](https://appshunter.io/developer/1593263505)
- Category: Business
- Price: Free
- Rating: 3.90/5 from 57 App Store ratings · 23 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 205 MB
- Languages: American English
- Released: 2020-12-01
- Data updated: 2026-09-20
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/rupin-formerly-udhaar-book/id1542333203/reviews.md

## What is Rupin (formerly Udhaar Book)?

Pakistan's business account for payments, finances and everyday business management.

Udhaar Book is now Rupin

Your account, customers and business records remain the same. Rupin brings the tools businesses already rely on, like digital khata, accounting and invoicing, together with payments, POS, inventory and other business services in one secure platform.

Rupin: A Complete Business Management Solution

Running a business means collecting payments, managing stock, tracking expenses, paying suppliers and keeping your finances organized. Rupin brings everything together in one app.

Rupin combines a Business Wallet with complete bookkeeping. Payments update your records automatically, helping you stay on top of your business without switching between apps or making manual entries.

Accept Payments & Manage Money

Rupin Business Wallet lets you:

Accept customer and QR payments
Receive payments through JazzCash, Easypaisa, Raast and Bank Transfers (IBFT)
Send and receive money
Collect payments faster
Pay suppliers, vendors and wholesalers
Cash in and cash out
View transaction history

Rupin Wallet operates under the State Bank of Pakistan's EMI regulatory framework.

Manage Your Business Finances

Replace manual registers with digital records.

Digital Khata
Personal Khata
Credit Ledger
Cash Book
Business Accounting & Bookkeeping
Expense Tracking
Receivables & Payables
Profit & Loss

Automatic WhatsApp and SMS reminders help you recover outstanding payments faster.

Create Professional Invoices

Generate GST and Sales Tax compliant invoices in seconds. Customize invoices with your logo, products, taxes, discounts and customer details, then share them through WhatsApp, SMS or email.

Sell Smarter With POS

Run sales from an integrated Point of Sale. Process sales, print receipts, apply discounts and manage customers while transactions automatically update accounting, inventory and business reports.

Manage Inventory & Stock

Track inventory in real time, receive low-stock alerts, manage warehouses and monitor product movement so your inventory, POS and accounting stay synchronized.

Manage Your Team

Manage employee records, attendance, salaries, overtime, staff advances and payroll from one place.

Earn More From Every Customer

Offer digital services and earn cashback directly into your Rupin Wallet.
Jazz, Zong, Ufone and Telenor mobile recharge
PUBG, Free Fire, Netflix, Spotify and Amazon vouchers
Utility bill payments including KE, LESCO, MEPCO, IESCO, FESCO, GEPCO, PESCO, SSGC, SNGPL and other major providers

Built for Pakistani Businesses

Whether you run a kiryana store, retail shop, pharmacy, restaurant, café, clothing store, mobile shop, wholesale business, distribution company, online business or service business, Rupin helps you manage payments, finances and operations from one platform.

From digital khata and accounting to invoicing, POS, inventory, payroll and digital payments, Rupin helps you stay organized and in control.

Why Businesses Choose Rupin

SBP-licensed Business Wallet
Business Account & Digital Payments
Payment Collection & QR Payments
Send & Receive Money
Accounting, Bookkeeping & Cash Book
Digital Khata & Credit Ledger
Expense Tracking & Profit & Loss
Invoice Maker & Billing
POS & Shop Management
Inventory Management & Stock Control
Payroll & Staff Management
Mobile Recharge, Vouchers & Bill Payments

Udhaar Book is now Rupin. Your business records stay with you while you get access to a broader platform for managing payments, finances and everyday business operations.

Accept payments. Manage your business. Track your finances. Grow with Rupin.

Download Rupin today and join 5 million+ Pakistani businesses already using the platform formerly known as Udhaar Book.

Questions/Feedback?
Call us at +92 213 834 1166 for 24/7 support. You can also contact us via email: info@rupin.pk, or visit our website rupin.pk

## Key features

- Digital Khata (Credit Book)
- Cash Book Management
- Salary and Payroll Tracking
- Invoice Generation
- Inventory (Stock) Management
- SMS Reminders and Receipts

## Recent user reviews (10 of 23)

All indexed reviews: https://appshunter.io/ios/app/rupin-formerly-udhaar-book/id1542333203/reviews.md

### 4/5 — App update always pop up but there is no update

*2025-07-05*

Bahi update behj b do 2 saal sy roz notification ahti new update ki lekin update nahi nazar ahta ajeeb

### 3/5 — Update Wanted For ios Devices

*2025-05-15*

Android got its update but iPhone update is pending app continuously shows update msg but app store says no update

### 5/5 — Update do bhai

*2024-12-11*

Bhai jaan ios ka update dy do ni chl rhi app yr

### 5/5 — Update please

*2024-11-08*

Bhai jaan ios ka b update dy do yr

### 1/5 — Too many bugs

*2024-10-31, version 1.1.8*

When are you going to give new update?

### 1/5 — Not working on IOS

*2024-03-23*

Trying to use on IOS device since December 2023, but didn’t work, also email and complaint to support but i think TEAM UDHAAR APP is sleeping…. That’s why they are unable to reply of emails and read the comments.

### 5/5 — App crash when i choose

*2023-11-09*

App crashes when i add customer add karein option on udhar menu however im using cash in and out system its working well add my cash working too but since the main moto and purpose is calculating udhar soo hope so crashing it will resolve soon since its happening since i downloaded the app im using it from one day still crash add udhar menu i can send a video

### 1/5 — Alert!

*2023-09-06*

Not working on iPhone properly. Error appears when tap on menu

### 1/5 — Problem writing discription

*2023-07-13*

I have iphone i dont know this problem is for iphone user or andriod too
Whenever i want to write discription words agay pechy ho jatay
New update ka baad sa issue arha ha pehlay theek tha
Likho kuch ata kuch hay bar bar thek kerna parta

### 1/5 — Crash Report

*2023-05-23*

App is crashing continuesly. Kindly update it. Even your in app chat tab not opening

## Frequently asked questions about Rupin (formerly Udhaar Book)

### What does Udhaar Book do?

Udhaar Book is a comprehensive digital business management tool. It functions as a Khatabook for credit transactions, a cashbook for daily income and expenses, a salary book for managing staff payroll, an invoice maker for creating professional bills, and an inventory manager for tracking stock.

### Is Udhaar Book free to use?

Yes, the core features of Udhaar Book, including its digital khata, cashbook, invoice generation, and SMS reminders, are completely free. The app is supported by ads.

### How does Udhaar Book help with credit recovery?

The app allows you to send free SMS reminders to your customers for outstanding credit payments. This feature is designed to increase recovery rates significantly, helping you get paid faster and manage your credit book more effectively.

### Is my business data safe with Udhaar Book?

Udhaar Book prioritizes data security and offers automatic backups. Even if you lose your phone, your data is safe and can be easily restored by entering your phone number on a new device.

### What kind of reports can I generate?

You can generate shareable PDF reports for all your credit book transactions, cash book transactions, sales and expenses, invoices, and inventory. These reports help you stay on top of your business finances and operations.

## Version history (last 5 releases)

### 1.1.9 — 2026-09-17

Udhaar Book is now Rupin
A major iOS upgrade brings the modern Rupin experience to iPhone, with a refreshed interface, improved performance, better reporting, and more powerful tools for managing your business, payments, and finances.

What’s New

• New Rupin Experience
Enjoy updated Rupin branding, cleaner navigation, and a more organized app experience that makes everyday business tasks easier to find and manage.

• Improved Cash Book
Record daily cash inflows and outflows, including sales, purchases, income, and business expenses. Keep your cash records organized and understand where your money is going.

• Digital Khata and Credit Management
Manage customer credit, outstanding balances, received payments, and transaction history digitally. Send payment reminders to help follow up on pending amounts and collect faster.

• Rupin Business Wallet
Send and receive money, pay utility bills, purchase mobile load, and manage business payments directly through your Rupin Wallet and business account.

• QR Payment Collection
Accept digital payments through Rupin QR. Let customers scan and pay while keeping a clearer digital record of payments received.

• Professional Invoicing
Create and share digital invoices with customer details, products or services, quantities, prices, payment status, and other important information.

• Sales and Expense Management
Record sales and expenses with details such as amount, date, category, payment status, customer or supplier information, and supporting documents.

• Inventory and Stock Management
Create product records, monitor available stock, track items sold, and improve purchasing decisions with better inventory visibility.

• Better Business Reports
Review sales, expenses, cash flow, customer credit, payments, and other business activity to better understand your financial performance.

• All in One Business Management
Manage Cash Book, digital Khata, bookkeeping, accounting, sales, expenses, invoices, inventory, payments, Business Wallet activity, and reports from one app.

• Better Performance, Security, and Reliability
Experience a smoother and more reliable app with improvements to speed, stability, account protection, and transaction security.

Your account and business records continue with you as Udhaar Book evolves into Rupin.
Rupin brings payments, bookkeeping, accounting, business management, digital Khata, invoicing, inventory, expenses, and financial tools together in one secure app for Pakistani businesses.

### 1.1.8 — 2022-10-25

Fixes for iOS

### 1.1.7 — 2022-05-11

We have made some major improvements to our application
- CashBook - revamped to give you better service
- Performance enhancements
- Bug Fixes

### 1.1.6 — 2022-03-31

We have made some major improvements to our application
- Favourites section - add your favourite features in a single screen
- Zakaat calculator
- Performance enhancements
- Fixed bugs

### 1.1.5 — 2022-03-22

We have made some major improvements to our application
- Improved layout to make app more accessible 
- Performance enhancements
- Fixed bugs

## Apps similar to Rupin (formerly Udhaar Book)

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [DigiKhata - Money Manager](https://appshunter.io/ios/app/digikhata-money-manager/id1571599845) | 3.0 (63) | Free | Business |
| [OkCredit - Udhar Bahi Khata](https://appshunter.io/ios/app/okcredit-udhar-bahi-khata/id1488748286) | 4.8 (29) | Free | Business |
| [Ok Khata – Udhar Bahi Khata](https://appshunter.io/ios/app/ok-khata-udhar-bahi-khata/id1475938213) | 4.6 (111) | Free | Business |
| [Khata Tracker: Ledger Book App](https://appshunter.io/ios/app/khata-tracker-ledger-book-app/id1517793704) | 4.6 (555) | Free | Business |

## More apps by Toko Lab Inc.

- [Toko - Build Your Online Store](https://appshunter.io/ios/app/toko-build-your-online-store/id1547422230)

All apps by Toko Lab Inc.: https://appshunter.io/developer/1593263505

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-20.*