What Is Kisti? Installment Selling Explained

What Is Kisti (Installment Selling)?

Kisti is installment selling: a shop hands over a big-ticket item now in exchange for a down payment plus a series of scheduled payments collected over weeks or months. Tukri is a mobile POS and shop app for Bangladeshi shop owners with a dedicated কিস্তি module that records the down payment, builds the payment schedule, logs each collection, stores customer KYC, and keeps it all in a separate report — apart from your regular sales.

What does kisti mean for a shop?

Kisti means a customer takes the product home today and pays for it in fixed parts instead of all at once. The shop usually collects an upfront down payment and then a set number of equal instalments on agreed dates.

Down payment now, the balance financed over time
Fixed instalment amount on a weekly or monthly schedule
Common for fridges, furniture, phones, cycles and other big items
Different from বাকি — kisti is a planned schedule, not an open-ended due

When should a shop offer kisti?

Kisti makes sense when the price is too high for a customer to pay in one go, so a payment plan closes the sale you would otherwise lose. It works best with known or referred customers and items worth tracking carefully.

High-value goods: electronics, furniture, appliances
Regular customers you trust to keep paying
When competitors offer plans and you need to match
When you can wait for the full amount across instalments

How does Tukri handle a kisti sale?

Tukri's installment module is separate from POS sales and the বাকির খাতা, with its own agreement, schedule and collection screens. You pick the product, set the down payment and number of instalments, and Tukri builds the exact schedule and tracks every payment.

Records the down payment and the financed balance
Auto-builds an equal instalment schedule by date
Logs each collection and shows what is overdue
Stores customer KYC — national ID, occupation, guarantor
A dedicated installment report, kept out of your sales P&L

Is kisti different from the বাকির খাতা?

Yes — the বাকির খাতা (due book) tracks open, informal credit a customer owes with no fixed plan, while kisti is a structured agreement with a down payment and dated instalments. Tukri keeps the two as separate modules so your due totals and installment totals never mix up.

বাকি = flexible running balance, pay when you can
Kisti = fixed schedule with set due dates
Stock and cash stay correct in both, automatically

Frequently asked questions

What is kisti business?

Kisti business is selling goods on installments — the customer pays a down payment and then fixed scheduled payments until the item is fully paid. Tukri's কিস্তি module lets a shop set up the down payment, schedule and collections in one place.

What is the difference between kisti and baki?

Kisti is a fixed payment plan with a down payment and dated instalments, while বাকি is open-ended credit with no set schedule. Tukri keeps installments and the বাকির খাতা as two separate modules.

Does Tukri track installment collections?

Yes — Tukri logs every kisti collection against the schedule, shows which instalments are overdue, and keeps a running outstanding balance per agreement. It also stores customer KYC for each installment customer.

Can I sell any product on kisti in Tukri?

In Tukri you mark which products are installment-eligible and sell those on a payment plan; the current version supports simple products. Stock leaves your inventory at sale and cash is recorded as each instalment is collected.