How it works
How it works — in 4 simple steps
Easy to start. Easy to follow. Fully under the Chit Funds Act, 1982.
1
Join a savings group
Sign up using your Aadhaar and PAN — it takes 5 minutes. Pick a group code (e.g. GNS01F) that matches the amount you want to save each month.
2
Pay a variable amount of installment each month
Pay through Cash, Bank Transfer, or UPI. We send a reminder before each due day.
3
Bid in the monthly auction
Each month, all members can bid for the chit value. The lowest bid wins (highest discount). The discount minus 3-5% foreman commission is split equally as a dividend — and your next installment is reduced by your share.
4
Money straight to your bank
When you win, the chit value lands in your bank within 45 days. Use it for any need — wedding, business, school fees, hospital. Members who haven't won yet keep earning dividends every month.