How to Handle Udhaar and Credit Requests at a Small Jewellery Shop
by Saloni Fashion Jewellery on Oct 31, 2026
Quick answer: Decide one rule before anyone asks: who can take pieces on credit, up to what amount and by what date. Write every udhaar entry in a book or sheet with the date, design codes and the promised date, repeat it back to the customer, and politely say no to everyone outside the rule. A clear rule protects both stock and friendships.
Updated October 2026
Why do jewellery shops get udhaar requests?
Jewellery is bought around weddings and festivals, when money is tight for a few days. Regular customers, relatives and neighbours then ask to pay later. Saying yes to everyone drains cash and stock, and saying no with no reason can lose a loyal customer. A simple rule fixes both.
How do I decide who gets credit?
Keep the group small: customers you know well who have bought several times. Set a ceiling that you could afford to lose without hurting the shop, and a short payment period. Decide this once, on paper, so you are not bargaining under pressure at the counter. Our guide on building a repeat-customer list on WhatsApp helps you see who your regulars really are.
What should I write down?
Record the customer name, date, design codes, the amount and the date she promised to pay. Use the same sheet or book as your stock records, as in simple stock tracking for a small jewellery shop, so a piece that left on credit is never counted as still on the tray. Read the entry back to the customer so there is no confusion later.
How do I say no politely?
Keep it short and kind: the shop has a rule that credit is only for a small group, and you can offer something else, such as holding a piece for a day or two or taking part payment. Avoid arguing about trust. The same calm tone helps when customers push on price, as described in handling customers who bargain at the counter.
How do I follow up on unpaid amounts?
Send one friendly WhatsApp message a day or two before the promised date and one on the day. If the date passes, call once, agree a new date and write it down. Do not give new pieces on credit while an old amount is open. If a design is already sold out when she returns, tell her clearly what is next.
What about group or bulk orders?
Take advance payment for large or wedding orders instead of credit. Our guide on taking group and bulk orders shows how to confirm quantity and collect a part payment first. To enquire about supply for your shop, see the wholesale page or message +91 98705 89560 on WhatsApp with your shop type and categories; ask there for current ordering terms.
Also read: a 10-minute weekly jewellery counter check for small shops.
