01
Paper registers create disputes
"I paid" against "it's not written down" — with nothing either side can point to that isn't hearsay.
Chit funds for daily, weekly, and monthly savings groups — collection to payout, with nothing lost between the line boy and the office.
Not because the operators don't want better tools — the tools that exist weren't built for how this business actually runs.
"I paid" against "it's not written down" — with nothing either side can point to that isn't hearsay.
Most apps track that a line boy collected cash. None of them track whether it actually reached the office.
No one tells a member what they'd actually receive if they win this month's auction — trust runs on faith, not numbers.
Most chit fund apps digitize the bookkeeping. This digitizes the trust chain — collector, office, and payer, checked at every handoff.
One flow, checked at every handoff — collector, office, and payer all see the same number.
Search a name on today's route, type the amount, confirm — done in seconds, even offline.
The moment it's recorded, a receipt goes out. Not a promise — a message that already arrived.
Collected vs. expected, updated the moment the line boy taps in the field — no end-of-day reconciling.
He logs in once. Every visit after that, he opens the app, searches a name, and taps — no IDs to remember, no paper to carry.
The moment he marks a payment, the member gets an SMS receipt. That's the anti-fraud control: not a promise, a message that already arrived.
A typical village chit — ₹1 lakh pool, 20 members, monthly, 5% commission — earns its operator ₹250 a month. The software can't cost more than a rounding error on that.
SMS is billed at actual cost, on top — never bundled into the flat fee, so it's never a hidden markup either way.
The free tier covers 1 chit, up to 20 members, and 1 line boy — no time limit. See pricing above for what's beyond that.
No. The line boy app queues a recording locally if the connection drops and syncs once it's back — nothing is lost to a bad signal in the field.
No — a payer can check their chit on the web with the same phone number and PIN. The Android app is there if they want it, not required.
Yes. Same phone number, one PIN, every chit you're enrolled in — at any chit company, all under one login.
Nothing saves until confirmed — the app shows the exact amount, name, and period back before it's recorded.
Cash-tracking only — no money ever moves through the app. Payer accounts carry no ads on payment or receipt screens, and every login is scoped to what that role should see.
Free tier, no time limit — start with your smallest chit. Android app for the field, web dashboard for the office.