Digital Chit Fund

ഓരോ വട്ടവും
ഒരു ജയം Round by round.
Dream by dream. The circle that
keeps its promise

A digital chit fund for people who trust each other. Transparent draws, instant records, no spreadsheets.

Start a Kuri How it works

Draw Mode

Admin sets the timer

Members know exactly when to open the link

Live shuffle begins

Every member in the draw — fully automatic

System picks the winner

No admin can influence it. Everyone watches live

👥

ഞങ്ങളുടെ ചിട്ടി 2025

10 members

Suresh paid this month?9:14 AM

I think so... check the notebook 😅9:15 AM ✓✓

Who didn't pay last month? Three people saying they paid but no record 🤦9:16 AM

And draw is today — who is doing it? On a call9:22 AM

No no etta, I'm at the hospital ❌9:24 AM ✓✓

🙄 same every month9:25 AM

The Problem

Every chit fund group becomes a WhatsApp headache

Payments tracked in notebooks, screenshots, or someone's memory — until they forget.

Draw day arguments about who's present, who drew last, who owes arrears.

No one can audit the history. Trust erodes. Good intentions, bad tooling.

"ചിട്ടി നല്ലതാണ്. പക്ഷേ ഇത് manage ചെയ്യുന്ന headache…"
The chit fund is good. Managing it is the nightmare.

Live Draw

The draw happens on a screen everyone can see

A shared TV link. Every member watches the same live view — bids appearing in real time, winner announced the moment it closes. No one missed it. No one disputes it.

How Auction Draw Works

The winner bids to win early. Everyone else benefits.

The bid amount becomes the discount — split equally as a dividend to all non-winners. Fair, transparent, calculated automatically.

Monthly Pot

₹1,00,000

10 members × ₹10,000

Winning Bid (ലേലക്കിഴിവ്)

₹8,500

Priya's bid — accepted as her discount

Priya receives

₹91,500

Pot minus her bid · Each other member gets ₹944 as വിഹിതം

For Members

Join, watch, win. That's it.

Get the invite link

Admin sends a numbered invite. Register with a name and PIN — no app install, no account.

Watch the draw live

Admin shares the TV link on draw day. Open on any screen — phone, TV, laptop. Watch bids appear live.

Check your history anytime

Enter your PIN on the TV view to see your payment record, wins, and dividend history — privately.

"നറുക്കെടുപ്പ് ടിവിയിൽ തത്സമയം കണ്ടു, വിജയിയെ കണ്ടു. ഒന്നും നഷ്ടമായില്ല."

"The link arrived, I watched the draw live on TV, saw the winner. Didn't miss a thing."

Akshaya

Member, Chirayil Family Kuri

Built for Admins

Everything a kuri admin actually needs

Draw or Auction — your choice

Random draw or live auction bidding. Pick the mode when creating each kuri.

WhatsApp reminders in one tap

Pre-filled payment and PIN messages. Tap to open WhatsApp — no typing, no copy-paste.

Partial payments + arrears

Record partial amounts. Shortfall carries forward automatically.

Payments dashboard

Pending this month, total arrears, who owes what — at a glance, with WhatsApp button on each.

Shareable winner card

After confirming the winner, download a 1080×1080 image to share in the WhatsApp group.

CSV + PDF export

Full payment history as CSV (Excel-ready) or per-member PDF statement.

Secure from the start

Member PINs stored as hashes. TV view sees only public data — no phones, no admin info.

Kurivattam vs Old Way

Why this changes things

Problem	Traditional	Kurivattam
Payment records	✕Notebook or WhatsApp	✓Live dashboard, history tab
Draw transparency	✕Admin does it alone	✓Live TV link, everyone watches
Auction fairness	✕No auction option	✓PIN-based open bidding
Arrears tracking	✕Memory + arguments	✓Auto-calculated, carried forward
Member access	✕Ask the admin	✓PIN history on TV view
Setup for members	✕Nothing to set up	✓Still nothing — link only, no install

ഇനി ചിട്ടി
എളുപ്പവും സുതാര്യവും ലാഭവും ആകട്ടെ

Simple to run. Transparent to all. profit for everyone.

Start your first Kuri — Free

ഓരോ വട്ടവുംഒരു ജയം Round by round.Dream by dream. The circle thatkeeps its promise