The report that shows which customers pay late in Tally is the Payment behaviour tab of Collections, the customer payment behaviour report that lists how many days each party actually takes. That tab unlocks with Reports+, a paid add-on bundled into the Copilot plan. Outstanding, the other Collections tab, still opens without it and tells you who owes how much this morning. A Guwahati FMCG owner at Fancy Bazaar types Sharma at 8:30, sees ₹1,85,000 on Outstanding, then flips to Payment behaviour and sees 47 days against 30-day terms. That is the difference between chasing a lump and spotting a habit. At 9 PM in the car he opens the same tab for the ₹22,000 party who takes 70 days, because Outstanding buried him under Sharma. Ageing is always as of today. Party search is a search box. You type a name.
Key Highlights
- Collections has two tabs: Outstanding, who owes how much right now, and Payment behaviour, which customers pay late and how many days they take
- Sharma Kirana at ₹1,85,000 on Outstanding is a lump. 47 days on Payment behaviour is the habit that decides fresh credit at 8:30
- Outstanding has no date you pick to rewind last Tuesday. Ageing is always as of today. Party search is a search box
In This Article
- Which report shows which customers pay late in Tally?
- What the customer payment behaviour report actually shows
- Outstanding at 8:30, behaviour after the van leaves
- Sharma at 47 days, and the party who pays in 12
- What this report does not do
- Where it sits next to ageing and reminders
- Building tomorrow's call list from behaviour
- Frequently Asked Questions
Which report shows which customers pay late in Tally?
Collections, then the Payment behaviour tab. That is the customer payment behaviour report. It answers which parties pay late and how many days they take, read from the Tally books synced to the phone.
Outstanding is the sibling tab on the same screen. Outstanding is the lump: Sharma Kirana ₹1,85,000 this morning. Payment behaviour is the clock: 47 days, against terms of 30. A distributor who only ever opens Outstanding keeps calling the biggest number. A distributor who also opens behaviour stops loading mustard oil for the party whose clock never comes back.
Both tabs live under Action Reports, in the Collections row, next to Bills Receivable, Bills Payable, Sales Analytics, Customer Analytics, Cross-sell Gaps, Inventory, Purchase Analytics and Daybook. The working-day order of those reports is the daily checklist for Tally reports. The lump itself is the outstanding receivables report.
What the customer payment behaviour report actually shows
Each row is a party and a habit. How many days they take. Whether that sitting is late against the terms you actually give. Sharma at 47 days on 30-day FMCG terms is late as a pattern, not as a one-off invoice that aged while someone was at a wedding.
That is a different question from ageing. Ageing says this bill is 47 days old today. Behaviour says this party, across the bills you have on him, takes about that long. A party can have one old bill and a clean habit. A party can have a modest outstanding and a habit of 70 days. The second one is who quietly stretches your working capital across 80 retail counters.
The report does not pick a date range. Most action reports have no date filter. You are looking at the habit as the books stand, the same way Bills Receivable ageing is always as of today. Daybook is the report with Today, Yesterday, Last 7 days, Last 30 days and Custom. This is not Daybook.
Party search is a search box. Type Sharma, land on Sharma Kirana of Fancy Bazaar. There is no picker and no multi-select. There is no salesman filter and no godown filter. If Raju ran Sharma's beat yesterday, you still type Sharma.
Outstanding at 8:30, behaviour after the van leaves
Tea, Outstanding first. Who owes how much, right now, before the first dispatch. Sharma at ₹1,85,000 is a yes-or-no on fresh credit this morning. The van is loaded. The call takes ninety seconds.
Payment behaviour waits for the second sitting, often 9 PM in the car, when the godown is locked and the owner can look at habits instead of lumps. The party at ₹22,000 who takes 70 days is smaller than Sharma and worse for cash. Outstanding buries him. Behaviour surfaces him.
A third sitting is month-end, next to the aging report in Tally and the receivables ageing on the phone. Ageing says which bills crossed 45. Behaviour says which names always will. The owner who edits ageing slabs to 0-15-45-90, on set your own ageing slabs, is choosing when a bill looks old. Behaviour is choosing which party will put the next bill there.
Access to the Reports tab is permission-controlled per team member. A salesman without that permission does not see reports at all, including this tab. The owner who wants Raju to collect without reading every party's clock turns that permission off for Raju.
Sharma at 47 days, and the party who pays in 12
Sharma Kirana, Fancy Bazaar, 30-day terms, 47 days, ₹1,85,000. The conversation at the counter is not "aapke 1.85 lakh pending hain." He knows. The conversation is "bhai, 47 din ho gaye, terms 30 hain, aaj ka oil hold hai." Behaviour gave the owner that sentence before he walked in.
Two shops down, Das Stores pays in 12 days, outstanding ₹28,000. Outstanding says Das is small. Behaviour says Das is the party you keep stocking even when the godown is tight, because the cash comes back inside the week. The owner who ranks only by outstanding keeps feeding Sharma and wonders why the bank ledger on cash and bank from Tally never matches the month he thinks he had.
A third name, quiet, ₹9,400, 81 days. Outstanding will not wake anyone at 8:30. Behaviour will, if the owner opens it. That is the party whose next scheme bill you skip.
None of those three numbers is a Tally invention. They are the same receipts and invoices the desktop already holds. The tab is the sort.
What this report does not do
It does not send the reminder. A WhatsApp chase still starts from the party page, the bills page, or the ageing report, as reminders from your own WhatsApp number walks through. Behaviour tells you who to open.
It does not apply a receipt to a bill. Bill-wise versus FIFO, on bill-wise vs FIFO receivables, is how the same ₹50,000 clears different invoices. Behaviour does not toggle that.
It does not export to Excel as a named chooser on this tab the way Sales Analytics does. When you need a file of who owes what, Outstanding and Bills Receivable ageing are the working copies, and every exported PDF or Excel goes through the phone's share sheet, where you pick WhatsApp, or email, or Drive.
It does not rewind to March. There is no date chip. If you need March's vouchers, that is Daybook, Last 30 days, or a Custom window, on Daybook from Tally on the phone.
Where it sits next to ageing and reminders
Morning is Outstanding. Midday is Bills Receivable, ageing as of today, slabs whatever you set. Evening is behaviour, then the two or three names you will actually call tomorrow. Month-end is Trial Balance for the CA.
The Outstanding receivables on mobile page is the lump on the phone. This tab is the clock next to that lump. A party ledger statement, when Sharma WhatsApps "bhai, statement bhej do," is still the party-page send, not a row export from behaviour.
Building tomorrow's call list from behaviour
Monday 9:12 PM, GS Road, engine off. The owner scrolls Payment behaviour once and writes three names on the back of a delivery challan, because that is what he will actually dial at 8:30.
Sharma Kirana, 47 days, ₹1,85,000. Call before the van leaves. Hold the oil if he stalls. Das Stores, 12 days, ₹28,000. Do not waste the morning on him. The third name, ₹9,400, 81 days. Small enough that Outstanding never woke anyone. Behaviour put him on the challan. Tomorrow Raju hears "teesra shop pe statement maango," not a speech about DSO.
A fourth row, 55 days, ₹1,10,000, a party the owner likes personally. Behaviour does not care that they go back fifteen years. Fifty-five days on 30-day terms is the same clock as Sharma. The challan gets a fourth name, or the owner admits he is running a hobby. The tab made the number visible. The challan is the decision.
He does not export this sitting. He does not send the CA a behaviour PDF. He folds the challan into the shirt pocket next to the phone. Outstanding at 8:30 will still open first, because the van is loaded and Sharma is ₹1,85,000. Behaviour already told him who else belongs on that same hour. If the kettle boils over and he only has time for two calls, Sharma and the ₹9,400 name at 81 days go first. Das Stores can wait. The tab sorted that in ninety seconds.
Takkada is a Tally-integrated receivables and auto-reconciliation app for Indian distributors, with 0% MDR UPI collection and WhatsApp dispatch.
Frequently Asked Questions
Q: Which report shows which customers pay late in Tally?
A: The Payment behaviour tab of Collections, the customer payment behaviour report on the phone. It shows which customers pay late and how many days they take, read from the Tally books synced to the phone. Outstanding, the other Collections tab, shows who owes how much right now.
Q: Is the customer payment behaviour report the same as Outstanding?
A: No. Outstanding is the lump, Sharma Kirana at 1,85,000 rupees this morning. Payment behaviour is the habit, 47 days against 30-day terms. Both sit on Collections. A distributor who only opens Outstanding keeps calling the biggest number.
Q: Does Payment behaviour have a date filter on the phone?
A: No. Most action reports have no date filter, and ageing is always as of today. Payment behaviour is the habit as the books stand. Daybook is the report with Today, Yesterday, Last 7 days, Last 30 days and Custom.
Q: Can I filter the customer payment behaviour report by salesman?
A: No. There is no salesman filter and no godown filter on this report. Party search is a search box. You type a name. Access to the Reports tab is permission-controlled per team member, and a member without that permission does not see reports at all.
Q: How do I open the report that shows late-paying customers in Tally on my phone?
A: Open Reports, then Action Reports, then Collections, then the Payment behaviour tab. Type a party name in the search box to land on that ledger. Outstanding is the sibling tab on the same screen if you need the lump first.
Q: Does Payment behaviour send a WhatsApp reminder from Tally?
A: No. The tab shows which customers pay late and how many days they take. A WhatsApp reminder still starts from the party page, the bills page, or the ageing report. Send from my WhatsApp opens your own WhatsApp with the message pre-filled, and the PDF goes through the share sheet.
Takkada is a Tally-integrated receivables and auto-reconciliation app for Indian distributors, with 0% MDR UPI collection and WhatsApp dispatch. Book a free demo.