Surat ke grey bazaar mein zyadatar maal credit pe bikta hai: bill aaj, payment 30, 45 ya 60 din baad. Bahut se weaving unit late payment pe byaaj lete hain, aam taur pe % per mahina mein. Jhagda aksar rate pe nahi, din pe hota hai — kis din se ginna shuru, grace ke din gine ya nahi, aadha paisa aaya toh kya. Yeh guide wahi tareeka samjhata hai jo Loomiro app mein hai.
Char shabd
- Credit days — party ko kitne din ka udhaar diya. Bill date + credit days = due date.
- Grace din — due date ke baad thodi chhoot. Byaaj due date + grace se shuru hota hai.
- Rate % per mahina — jaise 1.5% per mahina. Mahina = 30 din.
- Late din — byaaj shuru hone ki date se payment ki date tak ke din.
Byaaj shuru = due date + grace din
Late din = payment date − byaaj shuru (0 se kam nahi)
Byaaj = amount × rate% × late din ÷ 30
Yeh simple interest hai — byaaj pe byaaj nahi. 1.5% per mahina lagbhag 18% saal ka simple byaaj hai.
Udaharan
- Bill: ₹1,00,000, date 01-07-2026, credit 30 din → due date 31-07-2026
- Grace 5 din → byaaj shuru 05-08-2026
- Payment aaya 15-09-2026 → late din: August ke 26 + September ke 15 = 41 din
- Rate 1.5% per mahina → ₹1,00,000 × 1.5% × 41 ÷ 30 = ₹2,050
Apni date aur rate daal ke byaaj calculator mein turant dekho — due date, late din aur byaaj, step by step.
Aadha paisa late aaya toh?
Har hissa apne din ka byaaj deta hai. Jo paisa aa gaya, uska byaaj receipt ki date tak; jo baaki hai, uska aaj tak.
Udaharan
Wahi bill (byaaj shuru 05-08-2026, 1.5%). ₹60,000 aaya 20-08-2026, baaki ₹40,000 abhi tak nahi aaya; aaj 30-09-2026 hai.
- ₹60,000 × 1.5% × 15 din ÷ 30 = ₹450
- ₹40,000 × 1.5% × 56 din ÷ 30 = ₹1,120 (05-08 se 30-09 tak)
- Kul byaaj aaj tak = ₹1,570, aur baaki wale ₹40,000 ka byaaj roz badhta rahega
Har bazaar aur har party ka tareeka alag ho sakta hai — koi bill date se ginta hai, koi grace ke din bhi jodta hai. Agar aapke yahan dusra tareeka hai, toh party se pehle hi likh ke tay kar lo, aur bill pe "credit days" aur "byaaj % per mahina" chhapo.
Byaaj pe GST
Late payment ka byaaj alag se maanga jaaye toh aam taur pe woh maal ki keemat ka hissa maana jaata hai aur us pe maal ke rate se GST lagta hai — isliye iska debit note banta hai. Rate aur tareeka apne CA se confirm karo. Debit note ka GST GST calculator se dekh sakte ho.
Weaving unit ke liye kaam ki baatein
- Har party ka credit days aur byaaj rate party master mein likho — zubaani baat bhool jaati hai.
- Bade, purane grahak ko chhoot deni ho toh rate 0 ya grace zyada rakho, lekin likh ke.
- Har mahine outstanding dekho: kaunsa bill 30, 60 din se upar hai. Byaaj se zyada zaroori paisa wapas aana hai.
- Credit limit rakho — limit cross hone pe naya maal dene se pehle soch lo.
- Kasar ya discount diya toh woh alag line mein likho, taaki baaki aur byaaj sahi rahe.
Loomiro isme kaise madad karta hai
Hisaab-Kitaab mein Settings se byaaj % per mahina aur grace din ek baar daalo; kisi party ka alag rate / grace ho toh party pe (0 = byaaj nahi). Sale bill ki due date credit days se apne aap. Outstanding, party ledger aur WhatsApp reminder mein byaaj usi upar wale hisaab se dikhta hai — late aaya paisa receipt ki date tak, baaki aaj tak. Byaaj report party / bill wise, aur ek click mein byaaj ka debit note. Receipt pe kasar alag line, aur party ki credit limit ya overdue din ki limit cross ho toh naye bill pe rok — sirf owner / manager "phir bhi banao" kar sakte hain.