Surat ke weaving unit ka sabse bada kharcha aksar loom ya bijli nahi, atka hua paisa hai. Har mahine yarn, bijli aur pagar time pe dena padta hai, lekin grey ka paisa 30, 60, kabhi 90 din baad aata hai. Agar ₹40 lakh bazaar mein phasa hai, toh woh paisa aapke kaam nahi aa raha. Is guide mein seedha tareeka hai: outstanding ko umar (aging) ke hisaab se dekho, har party ki limit rakho, aur receipt sahi bill pe lagao.
Outstanding ko umar ke hisaab se baanto
Sirf "kul baaki ₹40 lakh" se kuch pata nahi chalta. Wahi ₹40 lakh agar sab 15 din purana hai toh theek, aur agar aadha 90 din purana hai toh khatra. Isliye baaki ko buckets mein dekho. Din do tarah se gin sakte ho — bill date se, ya due date (bill date + credit days) se. Due date se ginna zyada saaf hai, kyunki tab "late" ka matlab sach mein late hai.
Late din = aaj − due date
Bucket: due nahi · 1–30 din · 31–60 din · 60+ din
- Due nahi — abhi time hai. Kuch karna nahi.
- 1–30 din late — ek yaad dilao. Aksar bhool ya cash ki kami hoti hai.
- 31–60 din — phone karo, payment ki date lo, naya maal soch ke do.
- 60+ din — naya maal roko, byaaj ki baat karo, broker ko saath lo.
Udaharan
Aaj 01-11-2026. Party "A" (credit 30 din) ke chaar bill baaki hain:
| Bill date | Due date | Baaki | Late din | Bucket |
|---|---|---|---|---|
| 15-10-2026 | 14-11-2026 | ₹1,20,000 | — | Due nahi |
| 20-09-2026 | 20-10-2026 | ₹95,000 | 12 | 1–30 |
| 25-08-2026 | 24-09-2026 | ₹80,000 | 38 | 31–60 |
| 10-07-2026 | 09-08-2026 | ₹60,000 | 84 | 60+ |
Kul baaki ₹3,55,000, jisme ₹2,35,000 late hai aur ₹60,000 to 84 din purana. Party ki credit limit ₹3,00,000 hai — limit cross. Agla order aaye toh pehle 60+ wala bill clear karwao.
84 din wale ₹60,000 pe 1.5% per mahina se byaaj: ₹60,000 × 1.5% × 84 ÷ 30 = ₹2,520 (grace na ho toh). Apne number byaaj calculator mein daal ke dekho.
Credit days aur credit limit — pehle se tay karo
- Credit days har party ke saath pehle din likh ke tay karo, aur bill pe chhapo. "Jaisa hamesha" sabse bade jhagde ki jad hai.
- Credit limit (₹) — party pe ek saath kitna baaki chalega. Naye party ko chhoti limit, purane bharosemand ko badi.
- Overdue din ki limit — jaise "60 din se purana bill baaki ho toh naya maal nahi". Rupaye ki limit ke saath yeh doosra taala hai.
- Limit cross hone pe naya bill sirf owner ya manager ki haan se.
Reminder — har hafte, ek hi din
Sabse kaam ki aadat: har somvar outstanding kholo, 1–30 aur 31–60 wali parties ko reminder bhejo. Reminder mein bill number, date, baaki aur kul — saaf likha ho, taaki party ka munim turant mila sake. Gussa nahi, sirf hisaab. Jo party har hafte apna hisaab dekhti hai, woh aksar time pe deti hai.
Receipt bill-wise lagao
Party ₹1,00,000 bhejti hai toh woh kis bill ka hai, yeh likhna zaroori hai. Aam tareeka: sabse purana bill pehle. Agar party kisi khaas bill ka paisa bhejti hai, toh usi pe lagao. Jo bacha woh "on account" (advance) mein, jo agle bill pe lagega.
- Party ne TDS kaata ya kasar / discount kaata — woh bhi usi bill ke against likho, warna chhote-chhote baaki saalon latakte hain.
- Bina bill ke "on account" receipt bahut rakhoge toh aging galat dikhegi — purana bill baaki dikhega jabki paisa aa chuka hai.
Byaaj — ek note
Late payment pe byaaj lena hai toh rate aur grace din pehle se tay karo aur bill pe likho. Byaaj ka poora hisaab, aadhe payment ke saath, byaaj aur credit days guide mein hai.
Aam galtiyaan
- Sirf kul baaki dekhna. Umar dekho — 60+ wala ₹1 lakh, 15 din wale ₹5 lakh se zyada khatarnak hai.
- Receipt bill pe na lagana. Phir party kehti hai "woh bill to de diya tha", aur aapke paas saboot nahi.
- Limit sirf zubaani. Order aate hi limit bhool jaati hai. Master mein likho.
- Reminder kabhi-kabhi. Mahine mein ek baar gusse wala phone kaam nahi karta; har hafte ki chhoti yaad karti hai.
- TDS / kasar ka chhota baaki chhod dena. ₹880 yahan, ₹440 wahan — saal ke end mein hazaaron ka gadbad.
Loomiro isme kaise madad karta hai
Hisaab-Kitaab ka Outstanding page har party ka baaki due date ke hisaab se char hisson mein dikhata hai — Due nahi, 1–30, 31–60, 60+ din. Kisi bucket pe dabao toh sirf wahi bill; party pe dabao toh bill-wise list, late din aur aaj tak ka byaaj. Party master mein credit limit (₹) aur overdue din ki limit (khali chhodo toh unit wali) rakh sakte ho; limit cross wali party upar alag dikhti hai, aur naye bill pe Loomiro rokta hai — sirf "Limit cross" permission wala "Phir bhi banao" kar sakta hai. "Reminder bhejo" se WhatsApp pe party ke saare baaki bill, byaaj aur kul ka message, aapki firm ke naam se, ek tap mein. "Receipt likho" mein amount daalo aur "Auto" dabao — purane bill pehle lagte hain; TDS aur kasar usi bill ke against, aur bacha paisa on account. Yahi page payable side pe bhi hai — kis yarn supplier ka kitna dena baaki hai.