# Sell on installments (কিস্তি)

> Make an agreement with a down payment and a weekly or monthly schedule, then collect each installment. Turn installments on in Settings › Features first.

Installments (কিস্তি) let a customer take the goods now and pay over time. In Tukri you make an agreement: a down payment, a number of installments, weekly or monthly. The goods leave stock at once, the down payment goes into a money account, and the rest is split into equal installments. Each payment fills the oldest unpaid installment first.

## Before you begin

- Installments are an optional feature and start switched off. To turn them on, open **Settings** › **Features**, switch on **Installments (কিস্তি)** and press **Save**. The owner and Admins can do this. More in [Turn optional features on or off](https://tukri.bd/help/turn-features-on-or-off).
- Once on, the menu gets **Installments** and **Collections**: under **Sell & Stock** on a computer, in **Menu** on a phone.
- All three roles (**Owner**, **Admin**, **Staff**) can see agreements and take payments. Creating, rescheduling or voiding an agreement ("Open or close a কিস্তি") starts with the owner and Admins only.
- Installments are kept apart from sales and the Due Book: agreements do not appear in **Sales** or the Due Book, and have their own pages.

## Make a product sellable on installments

A product must be marked for installments first:

1. Open the product from **Products** to edit it, and go to the **Selling** step at the top.
2. Turn on **Sell on installment**. It only shows while the feature is on.
3. Enter the **Installment price** (it cannot be lower than the product's normal selling price), then the **Min. down payment**, the **Default installments** and the **Frequency**.
4. Press **Save**.
   ![The product's Selling step: Sell on installment on, an installment price of 46800, a minimum down payment of 8000, 12 monthly installments](https://tukri.bd/help-center/en/installments/product-phone.webp)

Products with variants, and products tracked by batch and expiry, cannot be sold on installments yet.

## Make an installment agreement

1. Open the installments page and start a new sale.

**On a computer:**
Open **Installments** in the menu on the left, then click **New installment sale** at the top right.
![Installments on a computer: the Collections and New installment sale buttons at the top, active agreements below](https://tukri.bd/help-center/en/installments/list-computer.webp)

**On a phone or tablet:**
Open **Installments** from **Menu**, then tap the round **+** button at the bottom.
![Installments on a phone: receivable, overdue and today's figures, the filters and the agreements](https://tukri.bd/help-center/en/installments/list-phone.webp)

2. Tap **Select customer**, search by name or phone, and pick the customer. For a new customer, tap **Add new customer**; there you can also record **Installment details** (NID, occupation, income, a guarantor and photos).
   ![Select customer: the search box, the Add new customer button and the customer list](https://tukri.bd/help-center/en/installments/pick-customer-phone.webp)
3. Under **Products**, tap a product. Only products marked for installments are listed, at their installment price. Change the quantity with **+** and **−**.
4. Under **Terms**, enter the **Down payment** and the number of **Installments**. With a down payment, choose under **Down payment to** the account the money went into. Then set the **Frequency** (**Weekly** or **Monthly**) and the **First due date**.
   ![Terms: customer আবুল কালাম, a Refrigerator added, a 10000 down payment into Cash, 12 monthly installments and the first due date](https://tukri.bd/help-center/en/installments/terms-phone.webp)
5. If you like, capture **Customer consent**: the customer's signature or a voice clip. It is optional.
6. Check the **Contract value**, **Financed**, **Per installment** and the **Schedule preview** at the bottom, then tap **Create agreement**.
   ![The agreement summary: contract value, down payment, financed amount, per installment, the first three dates and the Create agreement button](https://tukri.bd/help-center/en/installments/summary-phone.webp)

The new agreement opens on its own page. The download icon at the top right (**Download PDF**) gives you the agreement as a PDF for the customer to sign.

## Collect an installment

1. Open **Collections** from the menu. Agreements with the earliest unpaid installment come first; **Overdue only** shows only overdue ones. You can also collect from the agreement's own page.
   ![Collections: receivable, overdue and today's figures, with a Collect button beside each agreement](https://tukri.bd/help-center/en/installments/collections-phone.webp)
2. Tap **Collect** beside the customer (on the agreement's page, **Collect installment**).
3. Type the amount paid on the keypad, or tap the button for the full amount still owed. Opened from the agreement's page, the sheet also has a button for the next installment.
4. Choose the **Account** the money went into, add a **Note** if you like, and tap **Collect payment**.
   ![Collect installment: 31,000 outstanding, the full amount button, the keypad, the accounts and the Collect payment button](https://tukri.bd/help-center/en/installments/collect-phone.webp)

The payment is recorded at the current time, and a customer cannot pay more than what is left. When everything is paid, the agreement becomes **Completed**.

![An agreement's page: outstanding, contract value, paid, down payment, the plan and the Collect installment button](https://tukri.bd/help-center/en/installments/agreement-phone.webp)

## Reschedule or void an agreement

A saved agreement's items, prices and customer cannot be edited. At the bottom of the agreement's page there are two buttons:

- **Reschedule** spreads what is left over a new number of installments, frequency and first date. No money moves. Finish with **Update schedule**.
- **Void agreement** puts every item back in stock and pays the down payment and every installment collected back out of the accounts they came into. Write a **Reason** if you like, then press **Void agreement**.

> **Important:**
>
> Voiding cannot be undone, and there is no way to keep part of the money.

## What happens after

- The goods leave stock at once, and the down payment is added to the account you chose.
- The agreement appears under **Installments**. The top of that page shows the amount receivable, how many agreements are overdue and what was collected today; the **Overdue** filter lists the overdue ones.
- Each agreement counts towards your plan's monthly number of invoices, like a sale.
- If your shop has automatic due reminders on, customers with an overdue installment are reminded too. See [Remind a customer about their due](https://tukri.bd/help/due-reminder).

## If something goes wrong

**Installments are not in the menu.** The feature is off, or your role does not have "See কিস্তি agreements". Ask the owner.

**"No products are marked for installment sale. Enable it on a product first."** No product is marked for installments yet; follow "Make a product sellable on installments" above.

**"The down payment is below the minimum for these products."** Raise the down payment; it cannot be less than the minimum set on the products.

**"The down payment must leave an amount to finance."** Keep the down payment below the contract value.

**"Choose the account that received the down payment."** Choose an account under **Down payment to**.

**"The payment cannot exceed the outstanding balance."** Use the full amount button, or type less.

**"This agreement is closed and cannot take a payment."** The agreement is already paid off or voided.

**A Staff member cannot create an agreement.** That needs "Open or close a কিস্তি", which the Staff role does not start with. The owner can add it in **Settings** › **Roles**.

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- Source: https://tukri.bd/help/installments
- Language: English
- In বাংলা: https://tukri.bd/bn/help/installments
- Last reviewed: 2026-10-22
- Site index for language models: https://tukri.bd/llms.txt