Pay daily, weekly or monthly
Members can split the chit instalment into daily, weekly or monthly payments to suit their own cash flow. Your income pattern, your payment pattern.
Twelve things we do that members tell us they don't find elsewhere.
Members can split the chit instalment into daily, weekly or monthly payments to suit their own cash flow. Your income pattern, your payment pattern.
A 25-month cycle is short enough to stay committed to, and long enough to accumulate capital that actually changes something.
Members who take their chit at the end of the cycle earn up to 15% interest on what they have saved — simply for waiting.
The bidding process is conducted transparently in the presence of all members. No sealed envelopes, no private deals.
Every auction happens on the announced date at the announced hour, every month, without exception. You can plan around it.
Our commission is capped at 5% of the chit amount. There is no processing fee, service charge or hidden deduction on top of it.
Bidding is capped at 30% so no member is ever pushed into an unreasonable discount to access funds urgently.
When several members bid the maximum 30%, the subscriber is selected by an open lottery method — not by who spoke loudest.
Clear agreements, proper receipts and complete member records. Everything you sign, you get a copy of.
Member enrolment happens every single month, so you never have to wait long for a group that fits your budget.
Unlike recurring deposits, fixed deposits or life insurance, a chit is a short-term savings plan and an investment — with liquidity when you need it.
Unlike a mutual fund, your return is not tied to market movement. The rate is determined by the auction, and it is stable.
Swipe the table sideways to see every column
| Vetrivaagai Chit | Recurring Deposit | Fixed Deposit | Mutual Fund | Personal Loan | |
|---|---|---|---|---|---|
| Regular saving | Yes | Yes | No | Via SIP | No |
| Access to lump sum | Yes, by auction | At maturity | At maturity | On redemption | Yes |
| Return linked to market | No | No | No | Yes | — |
| Credit score needed | No | No | No | No | Yes |
| Collateral needed | Surety only | No | No | No | Often |
| Typical duration | 25 months | 1–10 years | 1–10 years | Open | 1–5 years |
| Cost when you take funds early | Your bid discount | — | Break penalty | Exit load | Interest + fees |
| Earns while you wait | Dividend each month | Interest | Interest | Market returns | No |
₹1 lakh to ₹25 lakh · 25 months only 1 இலட்சம் முதல் 25 இலட்சம் · 25 மாதங்கள் மட்டும்…
Call, WhatsApp or visit a branch. Tell us your goal and your comfortable monthly amount.
We show you the open groups, the auction schedule and exactly what you will pay each month.
ID proof, address proof and the chit agreement. Simple, and you keep a copy of everything.
Pay your first instalment (plus a one-time ₹500 enrolment charge) and you are a member.
Not sure yet? Visit a branch first — there is no obligation, and we will show you a live auction schedule.
The right time never comes — you have to make it right. Speak to our team and start your first chit this month.