The smartest way to borrow. The safest way to save.
Governed strictly by the Chit Fund Act 1982, our platform operates on absolute mathematical transparency. No hidden algorithms, no arbitrary interest rates. Just a community pooling resources to ensure everyone wins exactly once.
A message from Vishal Jain, Managing Director.
From formation to final payout.
Every group follows the exact same, legally governed four-step cycle every single month.
The Group Forms
A verified group commits to a specific pool (e.g., 50 members for a ₹10 Lakh pool). Every member undergoes strict KYC. Month one begins with everyone contributing an equal, full installment.
The Live Auction
Every month, an open auction is held. Members who require immediate liquidity bid on the pool by offering a “discount” on the total value. The highest bidder wins the right to draw the pool that month.
Guaranteed Disbursal
The winning bidder submits their required surety documents. The lump sum (minus the bid discount) is transferred directly to their bank account.
Dividends Distributed
The discount offered by the winning bidder (minus our flat 5% commission) is divided equally among all members. This dividend is deducted from your next month's installment.
The math, made simple.
Toggle between tenures to see how the legal discount cap changes your numbers.
Scenario
₹10,00,000 Chit
50 Months · 50 Members
Winning Bid Discount
40% max discount cap applied
₹4,00,000
Winner Receives
Transferred directly to bank account
₹6,00,000
Company Commission
Fixed 5% of chit value
₹50,000
Total Dividend To Distribute
Total discount minus commission
₹3,50,000
Dividend Per Member
₹3.5L divided across 50 members
₹7,000
Your Next Month's Installment
Instead of ₹20,000, you pay only
₹13,000
Protected by law, not by promises.
Three legal safeguards that stand between your money and any risk.
100% PSO Deposit
Before any group starts, 100% of the chit value is deposited as a fixed security with the Registrar of Chits, Telangana.
Strict Discount Caps
Maximum auction discounts are strictly capped by duration: 40% max for 50-month / 1000-day chits, and 30% max for 25-month / 500-day chits.
Fixed 5% Commission
Our revenue is legally locked at a flat 5% foreman commission per auction. We only make money when the community makes money.
Ready to see the numbers work for you?
Browse every chit value, tenure, and installment amount — laid out plainly, with zero fine print.
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