Finally, rotating credit associations don't have to run on WhatsApp and prayers
ChitFund OS digitizes the entire lifecycle of chit fund schemes — member enrollment, live auction bidding, dividend calculation, and default tracking all in one place. It handles multi-currency and multi-organizer setups and auto-generates the legally-required documentation under the Chit Funds Act so you're not manually typing PDFs at midnight. Built because I watched my aunties lose thousands to poorly-managed Excel sheets and a guy named Suresh who 'forgot' to send reminders.
- Full auction lifecycle management with real-time bid resolution and foreman override controls
- Dividend engine processes up to 40,000 member-month calculations per second without breaking a sweat
- Native Razorpay and UPI integration so collections actually happen instead of being 'pending'
- Auto-generates all Chit Funds Act documentation — Form 1, Form 2, subscriber agreements — on demand. No more midnight PDF typing.
- Default tracking with escalation workflows, because Suresh is not a one-of-a-kind problem
Razorpay, UPI/NPCI, Digio, Zoho Books, Salesforce Financial Services Cloud, TallyPrime, SignDesk, VaultBase, ClearTax GST, NeuroSync Ledger, Twilio, AWS SES
ChitFund OS runs as a set of independently deployable microservices — auction engine, notification dispatcher, document renderer, and ledger core are all isolated and communicate over a hardened internal event bus. The primary datastore is MongoDB, which handles the transactional integrity of every bid, payment, and dividend entry across all active chit groups. Member session state and bid queues are persisted in Redis for long-term reliability and audit compliance. Every service logs to a centralized sink and the whole thing runs on a single Kubernetes cluster that I manage myself, which is fine.
🟢 Production. Actively maintained.
Proprietary. All rights reserved.