01.Base + Premium Chit
Pay the base amount until you lift, base plus a premium after.
Members pay a lower amount until they take the chit, then a higher amount after.
How Base + Premium chits are calculatedChit Fund Management Software Built For Chit Fund Organisers
One app to manage and track every chit.
Manage chit schemes, track collections and payouts, and keep your members, schedules and reports organised with ChitsApp.
- Chit Creation
- Member Tracking
- Collections
- Payouts
- Record Bids
- Reports
Start with up to 2 running chits free. No card needed.*
Stop Tracking Chits In Notebooks And Sheets
The daily work of a chit-fund organiser, in one app instead of several books.
- The Old Way
Separate notebooks for every chit
- Member details in many notebooks
- Schedules written by hand
- Hard to find information
With ChitsAppAll your chit records in one place
- Members, units and schedules
- One list of all your chits
- Same chits on web and phone
- The Old Way
Working out dues by hand
- Calculate instalments manually
- Check each member one by one
- Easy to miss pending payments
With ChitsAppSee what's due each month
- Instalments due each cycle
- What each member owes
- Paid and pending per member
- The Old Way
Ticking names off a list
- No clear view of collections
- Check each chit separately
- Pending amounts often missed
With ChitsAppKnow collected and pending amounts
- Collected vs pending at a glance
- Pending list across all chits
- See who still needs to pay
- The Old Way
Loose notes and receipts
- Paper slips can get lost
- Difficult to share receipts
- No payment history
With ChitsAppRecord payments and share receipts
- Record full or part payments
- Cash, UPI, bank or cheque
- Share receipts with members
Close the notebook. Run the whole month from one app.
How A Month Runs
Every month follows the same five steps. ChitsApp works out the amounts and keeps the books straight.
Every Kind Of Chit
Pick the type your group already runs. ChitsApp works out each month the way that type needs.
02.Fixed Dividend Chit
Dividend reduces the monthly payment.
A set dividend is shared across the months, higher early and smaller later.
How Fixed Dividend chits are calculated03.Fixed Payout Chit
The payout stays the same every month.
The recipient always gets the full chit amount. Payments change over the months.
How Fixed Payout chits are calculated04.Fixed Payment Chit
The same payment every month.
Members pay one amount throughout. The payout changes from month to month.
How Fixed Payment chits are calculated05.Auction Dividend Chit
Members bid each month.
The highest discount wins. The discount comes back to everyone as a dividend, so each month is priced from its bid.
How Auction Dividend chits are calculated06.Custom Chit
Create your own chit schedule.
Type in each month's payment, payout and commission. Totals are checked for you.
How Custom chits are calculatedAuction Dividend Chits
Take Bids, Find The Best One, Done.
Members who haven't taken the chit bid a discount. ChitsApp records the bids and works out the rest the moment you pick the winner.
Understand chit auction and dividend calculations
- Record every bid as it comes in
- One tap finds the highest bid
- Dividend, payment and payout worked out
Same Experience on Mobile And Web
On Your Phone
The Android App
Record payments on the spot and see who still owes.
Reports
Reports in PDF & Excel
Chit summary, detailed report, member statement and collections, as PDF or Excel.
PDFDetailed Chit Report – Ugadi Chitti.pdf
Lakshmi Ganapathi ChitsChitsAppGenerated 15 Oct 2026
Detailed Chit Report
- Chit Name
- Ugadi Chitti
- Chit Code
- MHK-2.1L-0525-01
- Plan
- Fixed Dividend
- Chit Value
- ₹ 2,10,000
- Status
- Active
- Members
- 20
- Cycles
- 20
- Start Date
- 01 May 2025
- End Date
- 31 Jan 2027
- Base Payment
- ₹ 10,000
- Due · Cycles 1–18
- ₹ 35,19,600
- Collected
- ₹ 34,17,200
- Pending
- ₹ 93,100
- Waived
- ₹ 9,300
Cycle Summary
| Cycle | Period | Status | Due (₹) | Collected (₹) | Pending (₹) |
|---|---|---|---|---|---|
| 14 | Jun 2026 | Closed | 2,01,600 | 2,01,600 | 0 |
| 15 | Jul 2026 | Closed | 2,01,600 | 2,01,600 | 0 |
| 16 | Aug 2026 | Closed | 2,03,700 | 2,03,700 | 0 |
| 17 | Sep 2026 | Closed | 2,05,800 | 2,05,800 | 0 |
| 18 | Oct 2026 | Active | 2,05,800 | 1,12,700 | 93,100 |
| 19 | Nov 2026 | Scheduled | — | — | — |
| 20 | Dec 2026 | Scheduled | — | — | — |
Figures are as recorded by ChitsApp. Amounts in ₹ (INR).Page 1 of 22
XDetailed Chit Report – Ugadi Chitti.xlsx
A1fxUgadi Chitti · Detailed Chit Report
| A | B | C | D | E | F | |
|---|---|---|---|---|---|---|
| 1 | Ugadi Chitti · MHK-2.1L-0525-01 | |||||
| 2 | Fixed Dividend · ₹2,10,000 · 20 members · 20 cycles | |||||
| 3 | Cycle | Period | Status | Due (₹) | Collected (₹) | Pending (₹) |
| 4 | 10 | Feb 2026 | Closed | 195300 | 186000 | 0 |
| 5 | 11 | Mar 2026 | Closed | 197400 | 197400 | 0 |
| 6 | 12 | Apr 2026 | Closed | 199500 | 199500 | 0 |
| 7 | 13 | May 2026 | Closed | 199500 | 199500 | 0 |
| 8 | 14 | Jun 2026 | Closed | 201600 | 201600 | 0 |
| 9 | 15 | Jul 2026 | Closed | 201600 | 201600 | 0 |
| 10 | 16 | Aug 2026 | Closed | 203700 | 203700 | 0 |
| 11 | 17 | Sep 2026 | Closed | 205800 | 205800 | 0 |
| 12 | 18 | Oct 2026 | Active | 205800 | 112700 | 93100 |
| 13 | 19 | Nov 2026 | Scheduled | |||
| 14 | 20 | Dec 2026 | Scheduled | |||
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Chit & CyclesMembersRecipientsCollectionsPayouts
What's Inside
Everything A Chit Office Does, Already Built
From creating chits to tracking collections and payouts, the daily work comes together in one app.
6 Chit Types
Fixed, auction and custom chits. Pick the type your group already runs.
- Base + Premium, Fixed Dividend
- Fixed Payout, Fixed Payment
- Auction Dividend, Custom
Members & Shares
One member can hold many units, and every member has a record.
- Add members to each chit
- Units set each member's dues
- A statement for every member
Payment Chart
Payment and payout, by month, for the whole life of the chit.
- Payment and payout per cycle
- Commission for each month
- Plan with the free chart maker
Collections
See what is due, record payments and keep track of what is pending.
- Cash, UPI, bank or cheque
- One pending list for all chits
- Receipts you can share
Payouts & Commission
Pick a recipient or run an auction, and keep the commission clear.
- Record bids, find the best
- Dividend and payout worked out
- Organiser commission shown
PDF & Excel Reports
Four reports to open, save or share whenever you need them.
- Chit Summary, Detailed Report
- Member Statement, Collections
- Open, save or share them
Change History
Every correction is kept, so the books always show what happened.
- Payments reversed, not deleted
- A reason kept with each one
- Original stays in history
Phone Login
Sign in with your phone number and a one-time code.
- Enter your phone number
- Confirm with a one-time code
- Same chits on web and phone
Built For Chit Organisers And Chit Offices
From one chit run by one person to an office running several.
ChitsApp is for chit organisers and foremen (also called kuri or chitty organisers) who run their chits on paper or in spreadsheets, and for small chit offices that keep several chits and many members organised at once. Start with one chit and add more as you go.
It is a record-keeping app. It does not hold or collect your members' money, and it does not replace your bank or UPI. You collect as you do today and record it here.
Planning a new chit? The free chit-fund chart and schedule maker needs no sign-in. Browse the chit-fund guides for how each chit type is calculated.
Run Up To 2 Chits Free.
Every feature, no card needed. More than two chits? Talk to us.
Questions
Questions From Chit Organizers
What is chit fund management software?
It is software that keeps a chit organiser's records: members, monthly instalments, collections, pending payments, auctions, payouts and reports. ChitsApp is chit fund management software for organisers in India. It is a record-keeping app and does not hold your money. App walkthrough
What is a chit fund, and what are kuri and chitty?
A chit fund is a group of members who each pay a set amount every month. Each month one member receives the pot, until everyone has had a turn. Kuri and chitty are other names for the same arrangement in different regions. ChitsApp keeps the organiser's records for it. Chit-fund guides
Who should use ChitsApp?
Chit organisers and foremen, and small chit offices that run one or several chits. If you track instalments and pending amounts in notebooks or spreadsheets today, ChitsApp keeps the same records in one app. Start with one chit and add more later. Get started
Is ChitsApp free to use?
Yes, free for up to 2 running chits, with every feature. If you run more than two, talk to us and we will set you up.
How can I manage and track my chit funds online?
Create the chit, add its members, then open each month. ChitsApp works out what every member owes by the units they hold, and you record payments as they come in. See who still owes across all your chits, then close the month once every due is paid or waived. See how a month runs
Which types of chit funds does ChitsApp support?
Base + Premium, Fixed Dividend, Fixed Payout, Fixed Payment, Auction Dividend and Custom chits. Pick the type your group already runs and ChitsApp works out each month that way. See how each one works · Chit-fund guides
Can I calculate chit instalments, dividends and payouts?
Yes. The free tools need no sign-in: build a chit schedule, or calculate chit interest and discounts. Inside ChitsApp, the monthly amounts for your own chits are worked out for you. Chit Chart Maker · Chit Interest Calculator · Chit Discount Calculator
Can I track member payments and pending collections?
Yes. Record each payment by cash, UPI, bank or cheque, in full or in part, and ChitsApp keeps the amount still pending. One list shows every pending payment across your chits. ChitsApp records payments; it does not collect them online.
Can I use ChitsApp on both mobile and web?
Yes. Open ChitsApp in any web browser, on your phone or computer, today. The Android app is coming soon to Google Play, with the same chits on both. There is no iPhone app yet.
Can I download chit fund reports?
Yes. Chit Summary, Detailed Chit Report, Member Statement and Collections are each available as PDF or Excel. Open, save or share them from the app. See sample reports
Can I add a chit that is already running?
Yes. Give the chit its real start date, add the members, and record the months already paid with their real dates. There is no automatic import, so earlier months are entered by hand.
What happens if I record an incorrect payment?
It is reversed, not edited or deleted. Someone allowed to adjust payments reverses it with a reason, and can enter the correct one straight away. The original stays in the history, marked as reversed.