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Billing and udhaar for every shop in Dadra & Nagar Haveli and Daman & Diu

Factory-lane counter, beach stall or jetty shop: the bill and the udhaar move from the notebook to your phone.

A bright yellow house with green and orange trim, arched windows and a scalloped front wall, beside a white house with balconies in Diu
A bright yellow house with green and orange trim, arched windows and a scalloped front wall, beside a white house with balconies in Diu Photo: Richard Horvath, CC BY-SA 3.0

From the boat crew's tab to the goods on the road between the pieces

  • A page for each rented room, open until the first of the month

    Open one page for each room near the factories, in the name of the man who pays the rent and buys the ration. Every bill goes on it with its date. If he goes home for the festival and comes back with a cousin who also wants to buy on tab, the cousin gets a page of his own and the two never get mixed.

  • Goods on the road between Daman, Diu and Silvassa are counted at both ends

    Daman, Diu and Dadra and Nagar Haveli are separate pieces, and goods cross between them in a tempo or a bus parcel. Count what leaves one place and what lands in the other, and by evening you know what is where without three phone calls.

  • The boat that waits out the monsoon pause still eats

    When the monsoon fishing pause keeps the boats tied up at Diu and Daman, the crew still eats, and the shop near the jetty goes on giving ration through weeks with no catch to sell. Give each boat a page, and the idle weeks pile up as dated lines. When the boats sail again and the first catch is sold, the page is read out once, and the crew and the shop agree on one total.

An orange boat with blue trim and tyre fenders at a jetty in Diu, carrying passengers and a motorcycle
An orange boat with blue trim and tyre fenders at a jetty in Diu, carrying passengers and a motorcycle Photo: SMarndi, CC BY-SA 4.0

Silvassa, Daman and Diu are far apart, and each fills the counter in its own way

  1. The counter near the factory gate meets the same faces twice a day

    Where the factory gate opens on a lane of rented rooms, the same workers who buy tea at six buy rice in the evening. The counter near the gate is the one they pass twice a day, so it sells to the same faces at the start and the end of every shift.

  2. A weekend crowd that you meet once

    On Saturday and Sunday the coast fills with visitors from other towns. They stop at the shop for water, snacks, a cap or a charger, and most of them you will never see again. They are in a hurry, many want to pay by UPI, and a family in the queue behind them does not like to wait while you add up on paper.

  3. One family, shops in two or three parts

    Dadra and Nagar Haveli with Silvassa, Daman and Diu are separate pieces of one territory. A family may keep a shop in Daman, a godown near Silvassa and a counter in Diu. Stock moves between them in a tempo or a bus parcel, and nobody can say by evening what is where without three phone calls.

A tall yellow hand-shaped sculpture holding a white ball, standing among toddy palms beside the sea at Nagoa Beach, Diu
A tall yellow hand-shaped sculpture holding a white ball, standing among toddy palms beside the sea at Nagoa Beach, Diu
The sun rising over gentle waves breaking on a beach in Diu, with a low island on the horizon
The sun rising over gentle waves breaking on a beach in Diu, with a low island on the horizon Photo: Piyush Tripathi, CC BY-SA 4.0

What helps a shop near a jetty, a godown or a factory lane

  • Credit book (khata)

    A page for each boat that sits in port through the monsoon pause, the crew's ration dated line by line until the first catch is sold.

  • Many shops, one owner

    The Daman shop and the Diu counter of one family, side by side on one phone, each with its own day's sales.

  • Godown stock

    The godown near Silvassa counted apart from the shelf of the shop in Daman.

What shop owners in Silvassa, Daman and Diu ask before they start

A worker leaves his factory for another one on the same lane and keeps shopping with me. Do I start a new page?

No. The page is under his name, not the factory's. Keep writing on it, and what he took before and after the move stays in one place. If you want the new factory beside his name, put it in the name you gave his page.

The godown is near Silvassa and the shop is in Daman. Can I count them separately?

Yes. Note what came into the godown and what you sent to the shop, and each place shows its own count. At night you can see if the shop in Daman is running low and the godown still has more.

In the monsoon pause no catch comes in for weeks and the crew still needs ration. How do I know how much I have already given before I give more?

Open the boat's page and read the total it has run up so far, line by line with dates. You decide the next week's ration from that total and not from memory, and the page is read out once when the first catch is sold.

More questions every shop asks

Where Daman's small factories and the Vanakbara jetty meet the shop

Kadaiya, Bhimpore and Dabhel are listed among the main industrial areas of Daman and Diu, which has hundreds of small-scale industries. Around such areas a shop sees the same faces at the same hour, before the shift and after it, and a regular customer's account matters more than one big sale. A counter at the edge of a lane like these is open from the early shift to the night one.

Diu invited tenders in July 2026 to build a smart and integrated fishing harbour at Vanakbara under the central PMMSY fisheries scheme. A bigger harbour means more boats and crews, and the shops around a jetty are the ones who give them ration and ice on tab. Whatever the harbour becomes, the first customers will be the families that fish from it.