Never chase udhaar again: inside Kapda Stock’s auto-recovery ladder

Every textile shopkeeper knows the feeling. A regular customer takes goods on udhaar, promises to pay next week, and then… weeks pass. You don’t want to sour the relationship by asking again and again, so the balance quietly grows — and your working capital sits in someone else’s cupboard.

Kapda Stock was built to solve exactly this. Instead of you remembering who owes what, the app runs a polite, automatic recovery ladder in the background — so your money comes back while you focus on selling.

The problem with the paper khata

A handwritten khata tells you a number, but it never reminds anyone. You have to flip pages, do the maths, remember the promise, and then find the courage to call. Most shopkeepers simply don’t — and 30% of outstanding udhaar becomes very hard to collect.

A recovery ladder that runs itself

When a customer’s balance crosses its due date, Kapda Stock escalates gently — one respectful step at a time:

• Day 7 — a friendly WhatsApp reminder with the exact pending amount and a thank-you note.
• Day 15 — the reminder returns with a one-tap UPI payment link, so they can clear it from the sofa.
• Day 30 — an AI voice call in the customer’s own language, calm and professional, asking for a date.

Every message is templated in English, Hindi, Urdu or Kashmiri, and always carries your shop’s name — so it reads like you, not a robot.

A promise-to-pay pauses everything

If a customer replies “I’ll pay on the 5th,” you record that promise in one tap. Kapda Stock immediately pauses the whole ladder until the date passes — no reminder fires, no relationship gets strained. If the date slips, the ladder quietly resumes where it left off.

Aging analysis, so you always know where you stand

The Credit Customers view sorts everyone by outstanding balance, and aging analysis buckets every rupee into 30, 60 and 90-day windows. In five seconds you can see who to focus on — and export the whole thing as a PDF for your records.

“The app sends polite reminders for me. I can see every customer’s pending balance at a glance — our collections improved 40% in the first two months.”

Set it once, then forget it

You configure the ladder a single time — the days, the templates, the channels — and then it works every day without you. That’s the whole idea behind Kapda Stock: the busy-work disappears, and the shop runs itself a little more each week.