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Party ki credit limit tay karne ka aasaan formula hai: party ki average monthly khareed ÷ 30 × aapke credit days. Isme aapka apna risk aur party ka payment record jodkar limit ko upar ya neeche karo. Limit ka matlab hai: is party par is amount se zyada baaki nahi hona chahiye, chahe kuch bhi ho.
Bina limit ke udhaar aksar dheere dheere badhta rehta hai, aur tab tak pata nahi chalta jab tak bahut der ho jaaye. Limit is problem ko pehle hi rok deti hai.
Credit limit aur credit days mein farak
Dono alag cheezein hain, aur dono chahiye:
| Credit limit | Credit days | |
|---|---|---|
| Kya hai | Maximum kitna baaki reh sakta hai | Kitne din mein payment karni hai |
| Example | ₹2,00,000 | 30 din |
| Kya batata hai | Risk kitna hai | Paisa kab aana hai |
Ek party limit ke andar ho sakti hai, phir bhi uska paisa 90 din se atka ho. Isliye sirf limit dekhna kaafi nahi hai.
Limit nikalne ka formula
Basic limit = (monthly khareed ÷ 30) × credit days
Isme ek chhota buffer jodna practical rehta hai, kyunki orders roz ek jaise nahi aate. Hum yahan 20% ka example le rahe hain, yeh koi rule nahi hai.
Example (sample numbers)
Maan lo Gupta Traders har mahine lagbhag ₹3,00,000 ka maal lete hain, aur unka credit 30 din ka hai.
| Step | Calculation | Result |
|---|---|---|
| Roz ki khareed | ₹3,00,000 ÷ 30 | ₹10,000 |
| 30 din ka udhaar | ₹10,000 × 30 | ₹3,00,000 |
| Thoda buffer | ₹3,00,000 × 1.2 | ₹3,60,000 |
Toh shuruaati limit lagbhag ₹3,60,000 ho sakti hai. Ab ise neeche wale points se check karo.
Apne hisaab se ek upper cap rakho
Formula sirf party ko dekhta hai. Aapko apna business bhi dekhna hai.
Khud se poochho: "Agar yeh party aaj paisa dena band kar de, toh kya mera business chalta rahega?"
- Aapka kitna paisa bazaar mein ghoom sakta hai?
- Supplier ko kab payment karni hai?
- Kya ek hi party par bahut zyada paisa atka hai?
Agar kisi ek party ka baaki aapke kul udhaar ka bada hissa hai, toh formula chahe jo bole, limit kam rakho. Kitna "bada" hai, yeh apne CA ke saath apne cash flow ke hisaab se tay karo.
Nayi aur purani party ke liye alag rule
| Party ka type | Shuruaat kaise karein |
|---|---|
| Bilkul nayi party | Pehle kuch orders cash ya advance par, phir chhoti limit |
| 3 se 6 mahine ka achha record | Formula wali limit ka ek hissa |
| Saal bhar se time par payment | Poori formula wali limit |
| Lambe samay se bharosemand party | Limit badhane par vichar |
| Baar baar late | Limit kam karo, ya naya maal cash par |
| Cheque bounce hua hai | Turant limit review karo |
Nayi party ke liye dhyan rakho: uska GSTIN check karo, doosre suppliers se uske baare mein poochho, aur shuru mein chhote order do. Limit ka order size se bhi rishta hona chahiye.
Limit kab badhani aur ghatani hai
Har 3 mahine mein apni top parties ko dekho.
Limit badhao jab:
- Party lagaataar time par payment kar rahi ho
- Uski khareed sach mein badh rahi ho
- Woh limit ke kaaran order chhota kar rahi ho
Limit ghatao jab:
- Payment ke din badhte ja rahe hon
- Purana paisa chhod kar naya order maang rahi ho
- Bazaar se party ke baare mein kharab khabar aaye
- Cheque bounce ho
Limit badhane se pehle party se yeh bhi tay kar lo ki purana sab clear hoga.
Limit paar ho jaaye toh kya karein
Yeh pehle se tay hona chahiye, nahi toh har baar bahas hogi.
- Salesman ko pehle bata do. Woh party se koi vaada na kare.
- Owner ya manager decide kare, salesman nahi.
- Teen raaste do party ko: purana kuch clear karein, naye order ka cash den, ya order chhota karein.
- Exception likhkar do, aur uska kaaran bhi. Har baar exception mat do.
Sample message:
Namaste Gupta ji, aapka account ₹3,60,000 ki limit tak pahunch gaya hai. Is order ke liye ₹50,000 aaj bhej dein, toh order aaj hi nikal jaayega.
Payment terms saath mein tay karo
Limit tabhi kaam karti hai jab party ko shuru se pata ho:
- Payment kitne din mein hai
- Limit kitni hai
- Late hone par kya hoga, jaise naya maal hold
- Jaldi payment par koi discount hai ya nahi
Yeh sab likhit mein WhatsApp par bhi bhej do. Invoice par due date hamesha dikhni chahiye.
KhataBhai mein credit limit kaise kaam karti hai
- Credit Limit: customer form mein amount bharo. 0 ka matlab hai koi limit nahi.
- Payment Terms: customer par Net 15, 30, 45, 60 ya apne din rakho. Web invoice par due date isi se lagti hai.
- Limit paar hone par: staff ka invoice seedha nahi banta, woh Approvals mein jaata hai. Jinke paas approve karne ka adhikaar hai, woh confirm karke aage badh sakte hain. Isse salesman akele limit nahi tod sakta.
- Setting: ise settings mein Going past a customer's credit limit se control kar sakte ho.
- Dues: Dues screen par dekho kaun kitne din se late hai.
Aur agar paisa pehle se atak gaya hai, toh udhar vasuli ki guide aur reminder messages dekho.
Distribution business ke liye KhataBhai ka Distributors page dekho, aur agar aap online bhi bechte ho, toh Online Store ke orders bhi invoice bante hi usi party ke khate mein judte hain.
Aam sawaal
Nayi party ko kitna udhaar dena chahiye?
Koi fixed amount nahi hai. Pehle kuch order cash par do, phir apni risk capacity ke hisaab se chhoti limit se shuru karo, aur record dekhkar badhao.
Kya sabhi parties ki limit same rakhni chahiye?
Nahi. Limit party ki khareed aur payment record par based honi chahiye. Same limit rakhne se achhi party ko kam milta hai aur kharab party ko zyada.
Credit limit kitni baar review karein?
Har 3 mahine mein ek baar achha hai. Payment late hone lage ya cheque bounce ho toh turant dekho.
Limit ke andar party late ho toh?
Sirf limit mat dekho, din bhi dekho. Agar purana paisa baaki hai, toh limit bache hone par bhi naya order rok sakte ho.
