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Cash memo format

Download a free cash memo format for India in Excel, Word and PDF. Perfect for retail shops, electronics stores, medical shops and any business that collects payment on the spot.

Updated June 2026

What is a cash memo?

A cash memo (also called a cash bill or cash receipt) is issued by a seller when goods or services are sold and payment is collected immediately in cash, UPI or card. It serves as proof of the transaction for both the seller and the buyer. In India, retail shops, grocery stores, electronics dealers and medical shops commonly use cash memos for daily over-the-counter sales.

Cash memo vs. credit invoice

  • Cash memo: issued for immediate payment; no due date required.
  • Credit invoice / tax invoice: issued for deferred payment; includes a due date and credit terms.

Both documents must contain identical GST fields for registered taxpayers — the only practical difference is the payment timing and whether a due date is shown.

Cash memo format preview

#Item DescriptionHSNQtyRate (₹)GST%CGST (₹)SGST (₹)Total (₹)
1Philips LED Bulb 9W85392 Pack480.0012%57.6057.601,075.20
2Extension Cord 3m85441 Nos250.0018%22.5022.50295.00
Grand Total₹ 1,747.80

Required fields on a cash memo (GST-registered sellers)

  • Seller name, address and GSTIN
  • Serial memo number and date
  • Buyer name and address (GSTIN for B2B)
  • Description, HSN/SAC code, quantity, unit and rate per item
  • Taxable value, CGST/SGST or IGST rate and amount
  • Total amount in figures and payment mode (cash/UPI/card)

Frequently asked questions

What is a cash memo?
A cash memo (also called a cash receipt or cash bill) is a document issued by a seller when goods or services are sold for immediate cash payment. It confirms the sale and the amount received. Unlike a credit invoice, a cash memo implies same-day settlement.
Does a cash memo need GSTIN?
For GST-registered sellers, yes — a cash memo must carry your GSTIN, the buyer name and address, HSN/SAC codes and CGST/SGST or IGST amounts. For unregistered sellers, a plain cash receipt without GST fields is sufficient.
What is the difference between a cash memo and a tax invoice?
Both are legally valid sale documents. The key practical difference is that a cash memo implies immediate cash payment, while a tax invoice can be for credit sales with a due date. Under GST, both must contain the same mandatory fields for registered taxpayers.
Can a buyer claim GST Input Tax Credit on a cash memo?
Yes, if the cash memo (or cash bill) is issued by a registered supplier and contains all mandatory GST fields — GSTIN, HSN, taxable value and tax amounts — the registered buyer can claim ITC against it.
Is this cash memo template free?
Yes. Download the Excel, Word or PDF version free. BillRaja lets you generate and share cash memos digitally with one tap — no printing needed.

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