1 · Customer affordability
Surplus IncomeSalary − Commitments
Applicable Chit EMISurplus × 50%
Maximum Chit ValueChit EMI × Tenure
Tell me what you earn, or what you are happy paying each month, and I will show you the chit groups that suit — along with the auction, dividend and prize-money maths behind them.
Nothing is saved and nothing is sent. Change the numbers as often as you like.
Three ways to reach the same answer. Start from your salary, from the instalment you are happy paying, or from the amount you need. Every figure updates as you type.
We allow 50% of your surplus income towards a chit, so the commitment stays comfortable alongside everything else you pay.
Please correct the highlighted fields. Your surplus income must be greater than zero before we can suggest a chit.
Based on 50% of your surplus income.
The monthly chit instalment we would recommend for you.
That is ₹13.5 Lakh — the largest chit you can comfortably carry.
If you already know the monthly amount you are comfortable with, start here.
Enter an instalment and a tenure, both greater than zero.
Instalment multiplied by tenure.
That is ₹5 Lakh over the full term.
Remember: a chit is not a deposit. What you finally receive depends on the month you take your chit and the discount bid at that auction.
Working backwards from a target — a wedding, a down payment, a machine for the shop.
Enter a target amount and a tenure, both greater than zero.
Target amount divided by tenure.
Pay this every month to reach your target over the full term.
Set the discount a member bids and see the prize money they take home, the commission we charge, and the dividend that comes back to every other member.
Load one of our real groups, or enter your own figures.
₹10,000 × 50 members
35% of ₹5,00,000
What the winning bidder receives
5% of ₹5,00,000
Bid offer minus commission
₹1,50,000 ÷ 50 members
₹10,000 − ₹3,000 dividend
Want to see the whole cycle? Project every month at this same discount — what you pay in, and what comes back.
Swipe the table sideways to see every column
| Month | Subscription | Bid % | Bid Amount |
Prize Money | Dividend per Person | Cumulative Paid |
|---|
Every number on this page comes from these formulas. No interest rate is applied — a chit is not a loan.
Send us your figures and we will confirm which groups are open right now, and what your first month would look like.