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CHITTI
Community savings for India

Save Together.
Grow Together.

Chitti makes community savings simple, transparent and digital. Create a group, contribute monthly and receive your turn through a clear and trusted process.

Start a Chitti
How Chitti Works

Built for groups who already trust each other.

The process

From a group to a payout, in six clear steps

Scroll to watch one full month of a Chitti.

STEP 1 / 6

Members join

Trusted people form a group with agreed rules.

Group formed
10 members
How Chitti works

Five steps. One clear cycle.

No spreadsheets, no confusion about who paid or whose turn it is.

  1. 01

    Create Your Group

    Create a Chitti with your preferred contribution and number of members.

  2. 02

    Invite Members

    Invite trusted friends, family or community members.

  3. 03

    Contribute Monthly

    Every member contributes the agreed amount.

  4. 04

    Your Turn

    The payout is determined through the selected Chitti method:

    RotationLotteryBidding
  5. 05

    Complete the Cycle

    The process continues until every eligible member receives their turn.

Chitti methods

One pool. Three ways to decide the turn.

Your group picks the method once, up front. The rules stay visible to everyone.

Turn 1
Aarav

Rotation

Predictable

Everyone gets their turn according to a predefined sequence.

Selecting…
· · ·

Lottery

Fair draw

An eligible member is selected through a transparent random process.

Vikram
₹4,200
Selected
Priya
₹3,500
Karan
₹3,900

Bidding

Flexible

Members can participate in a structured monthly bidding process.

Transparency

Every Rupee. Every Turn. Visible.

Everything that happens in your Chitti is written down where every member can see it.

  • Clear contribution history
  • Visible member status
  • Transparent payout records
  • Digital transaction history
Ledger · Family Chitti
June cycle
Completed
Monthly Contribution
₹0
Members
0
Total Pool
₹0
Current Cycle
00 / 10
Next TurnRahul
Aarav3 JunPaid
Priya3 JunPaid
Rahul4 JunPaid
Sneha5 JunPaid
Live Chitti

Change the group. Watch the pool.

A Chitti is simple arithmetic — members times contribution.

Members
Monthly Contribution
10 ×₹10,000
Monthly Pool
₹1,00,000
Total Chitti Value
₹10,00,000
Number of Cycles
10
Trust

Built for People Who Know Each Other.

Chitti works because members trust one another. We make that trust visible.

Verified Members

Every member joins by invitation from the group organiser.

Transparent Rules

Contribution, method and timing are agreed and visible up front.

Digital Records

Each contribution and payout is logged with date and status.

Secure Payments

Payment entries are recorded with access controls on who can edit.

Clear Payout Process

Everyone can see whose turn it is and how it was decided.

The app

Your whole Chitti, in your pocket.

Contributions, payouts, members and rules — one calm dashboard.

Good Morning
Your Chitti
Monthly Contribution
₹10,000
Current Pool
₹0
Your Turn
Cycle 06 / 10
Next Action
Contribution due in 4 days
Contribution History
Payout History
Members
Chitti Rules
Member journey

What it feels like to be a member

  1. STEP 1
    Join Chitti
  2. STEP 2
    Contribute
  3. STEP 3
    Track
  4. STEP 4
    Receive Your Turn
  5. STEP 5
    Complete Cycle
Calculator

See Your Chitti Before You Start

Adjust the numbers to match your group. Figures are illustrative — final amounts depend on your group's rules.

Number of Members10
Monthly Contribution₹10,000
Duration / Cycles
Monthly Pool
₹1,00,000
Total Contribution
₹1,00,000
per member
Cycle Count
10
Potential Monthly Payout
₹1,00,000
before any method adjustments
Create Your Chitti
FAQs

Questions, answered simply

A Chitti is a community savings arrangement. A group of trusted members each contribute a fixed amount every month, and the pooled amount goes to one member per cycle until everyone has had a turn.

Your Group. Your Contributions. Your Turn.

Bring your trusted community together and manage your Chitti digitally.

Start a Chitti
Explore How It Works