HACKYARD BUILD 2026 · IIT GUWAHATI
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Udhaar Agent
Your shop's udhaar khata, inside WhatsApp
Udhaar Agent is an AI bookkeeper on WhatsApp that lets kirana shop owners record customer credit by voice, has each customer confirm the entry, and follows up for payment, so owners get paid without phone-chasing and month-end disputes.
TEAM CODINGNINJAS · NAGPUR
KS
Krish Singh
Team leader
HT
Harshit Tiwari
Team member
SS
Sarthak Seth
Team member
AI
Ameya Ingole
Team member
‹
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Udhaar Agent
online
OWNER'S PHONE
Sharma ji ne 340 ka saman liya, kal denge
11:02 ✓✓
Likh liya: Sharma ji, ₹340 udhaar.
Kul baaki ₹340 · Wada: 26 Oct
11:02
‹
G
Gupta Kirana Store
online
CUSTOMER'S PHONE
Aapke khate mein ₹340 udhaar likha
gaya. Sahi hai? Haan ya Galat
11:02
Haan
11:05 ✓✓
Reply format from our running server; names are examples
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Hackyard Build 2026
Udhaar Agent / 02 Problem
Shop credit lives in a notebook only the owner sees
A paper khata or loose WhatsApp texts. No running total, no confirmation from the customer.
A real shop's udhaar khata
Or loose WhatsApp texts
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Hackyard Build 2026
Udhaar Agent / 03 What we built
One WhatsApp message in, a checked entry out
No app. No typing. The khata lives in the chat both sides already use.
01
Owner speaks
Voice note or text, in Hindi or Hinglish
›
02
Agent writes
AI reads it; safety rules check it before saving
Agent37 · Neon
›
03
Customer confirms
Gets the entry on their WhatsApp, replies Haan or Galat
Two-sided khata
›
04
Agent collects
Polite reminders and a UPI QR to pay back
Max 3 reminders
ALSO BUILT
Supplier stock orders
Rate list → priced bills
Owner dashboard
Cash + UPI claims
New-shop sign-up
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Hackyard Build 2026
Udhaar Agent / 04 Demo and results
It runs today
Owner dashboard and WhatsApp agent, live on our server · 25 Oct
WE'LL SHOW 1 Voice note 2 Customer says Haan 3 “Did not pay 500” writes nothing
Test cases passed
0 failed · 100% · 15 groups
900 / 900
LIVE TEST RUN · RULES + LIVE AI
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Hackyard Build 2026
Udhaar Agent / 05 Ingenuity
AI reads the message. Code decides the money
Because one wrong money entry breaks a shop's trust.
No app to install
Owner and customer already live on WhatsApp. Voice or text, in Hindi or Hinglish.
Our edge
Both sides agree
The customer confirms every entry with Haan or Galat. Khatabook and voice-khata bots don't.
Never guesses money
The AI only reads. The amount must be in the owner's words, unclear names get a question, and if the AI fails, offline rules take over.
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Hackyard Build 2026
Udhaar Agent / 06 Potential
From one shop to India's kirana counters
Shopkeepers do two jobs: writing the notebook and phoning to remind.
Who could use it
Grocery & general stores in India
12–13M
Micro <150 sq ft
7–8M
Medium 150–400 sq ft
~4M
Big kirana
0.5–0.7M
Supermarket
0.1–0.25M
Micro + medium ≈ 90%: the counters that run on a udhaar notebook
At 1 lakh micro shops
₹5k–30k udhaar each, per month
₹300 cr / mo
At 1 lakh medium shops
₹30k–1 lakh udhaar each, per month
₹750–1,000 cr / mo
Udhaar flowing through the agent · team research estimates