LinkedIn · Jun 2026
Company post signaling a brand/portfolio evolution to Rupin by Udhaar Book and reinforcing the company’s positioning around merchant financial tools.
We're Khatabook / OkCredit for Pakistan
Company research
Public company, workplace, funding, and market signals
Overview
Udhaar Book is a Pakistan-focused merchant fintech and business-management app that digitizes khata/bookkeeping, payments, inventory, payroll, invoicing, and merchant earning services for micro-SMEs.
Primary product
All-in-one digital khata / business management app for Pakistani merchants
Founded
2020
Headquarters
Karachi, Pakistan
Team size
70-80 employees
Industry
Financial Services
Sub-industry
Merchant fintech / digital bookkeeping software
Offices
D79/1 Block 7 Kehkashan Clifton, Karachi, Pakistan
Business model
freemium
transaction commissions
merchant wallet/payments
Funding
Stage
Seed
Total raised
$7.6M
Latest round
Seed · Nov 2021
Latest amount
$6M
People & investors
Leadership
Founder and CEO
Co-Founder
Co-Founder
Syed Fahad Ahmed Qadri
Chief Operating Officer
Ahmed Hussain Warwani
Head of Information Security
Syed Mashhood Hussain
Strategy Lead
Mohsin Rizvi
Head of Commercials B2B Partnerships & Vendor Relationship
Founders
Co-Founder
Work & culture
Public hiring posts and third-party profile snippets suggest a growth-oriented, product-heavy culture focused on innovation and merchant impact; public review snippets are mixed, with work-life and compensation scoring lower than overall culture/career scores.
Compensation
Public third-party snippets surface salary ranges such as Software Engineer (INR 380,772/year), Full Stack Developer (PKR 1,206,240/month), and Project Manager (PKR 1,812,051/year), alongside an employer rating around 3.2/5 and compensation score around 2.6/5.
Product & market
Pricing
Free core app with commission-based monetization on Easyload, bill payments, and vouchers; no subscription fee is publicly stated.
Differentiators
- —Pakistan-specific digital khata and merchant workflow
- —Offline-first / no-internet transaction capture with sync
- —Combined bookkeeping, inventory, invoicing, payroll, and wallet/payments in one app
- —Merchant earning features such as top-ups, bills, and vouchers
- —B2B wholesale marketplace (Saddar)
- —SMS reminders and payment links for collections
Technology
PostgreSQL
Firebase
Microservices
React Native
Figma
WhatsApp
Appium
Google Maps
JavaScript
Elastic Stack
MongoDB
Redis
Android
Python
Django
TypeScript
MySQL
Swift
Jira
Asana
Customers
micro-SMEs
kiryana and general stores
mobile and electronics shops
distributors and suppliers
medical stores
stationery shops
hotels and restaurants
pan shops
garment stores
retail merchants
wholesale buyers via Saddar
Competitors
Khatabook
OkCredit
Vyapar
other digital khata / bookkeeping apps
Scale & contact
Estimated revenue
$1M-$10M
Estimated monthly visits
143.4K
Traffic estimate as of May 2026
Latest news
Udhaar blog · Apr 2026
Official blog post positioning Udhaar Book as a business wallet for payments, cash flow control, and merchant bookkeeping.
Udhaar blog · Mar 2026
Official blog post emphasizing automated reminders, payment tracking, and faster collections for credit-based merchants.
Udhaar blog · Aug 2025
Official blog post framing Udhaar Book as a digital khata solution for Pakistani small businesses.
Udhaar blog · Jun 2025
Official blog post positioning Udhaar Book as a Vyapar alternative for Pakistani merchants and highlighting product migration support.
Jobs and careers at Udhaar App
0 jobs at Udhaar App
No open positions
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