India's 100% digital chitfund app.

India's Most Trusted Digital Chit App

Save, Earn & Borrow Smartly with India's no. 1 Digital Chit App. Plans starting with just Rs. 4000/- per month.

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Guaranteed Returns

Earn a interest rate of upto 12% per annum for savers.

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Instant Access to Funds

Easier than getting a loan from a bank.

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Simple & Convenient

Anytime, anywhere, hassle-free, 100% digital chit app.

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Trusted & Transparent

Registered & Regulated by Registrar of Chits, Govt. of India.

Trusted Chit Fund Schemes

Explore plans from the reference page and enquire for current terms.

25 Lakhs chit plan

25 Lakhs Chit Plan

Save ₹ 50,000 / month

Duration | 50 months

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10 Lakhs chit plan

10 Lakhs Chit Plan

Save ₹ 20,000 / month

Duration | 50 months

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5 Lakhs chit plan

5 Lakhs Chit Plan

Save ₹ 40,000 / month

Duration | 25 months

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3 Lakhs chit plan

3 Lakhs Chit Plan

Save ₹ 10,000 / month

Duration | 50 months

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1 Lakh chit plan

1 Lakh Chit Plan

Save ₹ 20,000 / month

Duration | 25 months

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₹3 Lakh chit plan

₹3 Lakh Chit Plan

Save ₹ 10,000 / month

Duration | 30 months

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₹1 Lakh chit plan

₹1 Lakh Chit Plan

Save ₹ 4,000 / month

Duration | 25 months

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How myPaisaa chit works

Start Saving with Confidence

11.5% +Avg. Returns
600 Cr +Committed Savings
100 Cr +Auction Turnover
30,000+Active Chit Subscribers
2 Lakh+App Users
23+Physical Branches

myPaisaa Advantage

India’s most trusted and tech-driven chit fund platform, empowering people with secure and transparent savings since day one. We help you achieve your dreams with ease—your true partner in financial growth.

2 Min Onboarding & 24 hrs. Payout

In App Live e-Auctions

4–10 auctions per month

In-app one click customer support

Fully compliant as per the "Chit Fund Act 1982"

Chit Plans for Everyone

myPaisaa Seva Kendras team

23+ myPaisaa Seva Kendras

myPaisaa has 23+ centres spread across Telangana, Karnataka & Andhra Pradesh. We call them "Seva Kendras".

Centres: Hyderabad, Secunderabad, Ramnagar, Sangareddy, Warangal, Nizamabad, Janagam, Cheriyal, Siddipet, Khammam, Guntur, Vijaywada, Eluru, Vizag, Vizianagaram, Srikakulam, Palasa, Bengaluru, Mysore, Tumkur.

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Frequently Asked Questions

What are the advantages investing in Chit?
There are 4 main advantages of investing in chit funds:
  • Chit fund is the only financial instrument that allows customers to save and borrow from their own funds.
  • Chit funds are one of the oldest forms of investments used by households to grow their money.
  • Chit funds bring discipline to both the saving and borrowing activities of individuals.
  • Borrowing through chit funds can provide access to funds from the plan, depending on the auction and plan terms.
How much returns can I get from investing in chit?
Chit fund returns depend on the month you participate in and win an auction. The source page states that a customer who stays for the entire duration may receive annual interest of around 10 to 12%.
What is the duration of chit plan?
We offer durations ranging from 12 months to 50 months.
What is the difference between traditional chit vs digital chit?
Traditional chit fund companies operate using manual processes and may require customers to visit offices to participate in auctions. With digital chits, the process can be handled online, with digital technology used to simplify and improve transparency.
How safe is my investment with myPaisaa?
myPaisaa powered by Bilva echits and IBG echits is described in the source page as a registered chit with the state Government. Registered chit funds are regulated by the Government of India. The source also describes a security deposit equal to 100% of chit value into a Scheduled Bank as FDR, pledged in favour of the Registrar of Chits.
Why shouldn't I invest in mutual funds instead of myPaisaa
Mutual funds and chit funds serve different purposes. Mutual funds are market-linked investments, while chit funds combine saving and borrowing within a chit structure. The source page states that chit funds do not carry market risk and can allow borrowing from the fund.
Why should I invest in myPaisaa over FD & RD?
The source page contrasts recurring deposits with chit funds on rates, liquidity and auction participation. Specific returns, taxation and penalty claims should be reviewed against the current product terms and applicable law before publishing.

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