Lakshmi Chit funds

Manage chit fund groups, auctions, payments & members — offline first.

Lakshmi Chits — The complete chit fund management app for organizers and members.

Designed for traditional chit fund (கூட்டு சேமிப்பு) groups in India, Lakshmi Chits helps you run everything from member enrollment to monthly auctions — all from your phone, even without internet.
This app is designed for a single chit fund organizer or a small team managing their own groups. It is not a multi-user banking platform.

We use a 4-digit PIN (set by your administrator) because:


The app stores your group's private financial data locally on your device
There is no public sign-up — access is given only to authorized users
The PIN protects against unauthorized access if your phone is picked up by someone else
It works fully offline — no OTP, no internet required to log in


The default PIN shown during onboarding is a placeholder. Your administrator will give you the actual PIN for your organization.


Dashboard


Live summary of active chits, total members, monthly collections
Upcoming auction reminders with countdown
Pending payment alerts


📋 Chit Group Management


Create and manage multiple chit groups
Track month-by-month progress
Add/remove members per group
Auto-calculated monthly instalment

🔨 Monthly Auctions
Enter bids for all eligible members
Lowest bid winner highlighted in real time
Confirm winner and record payout


👥 Member Management

Full member profiles with Phone Number, nominee details
Alias names and internal status (VIP / Blocked)
Search by name or phone number
Direct call or WhatsApp from profile

Ledger & Payments


Record cash, UPI and bank transfer payments
Duplicate payment detection — alerts before saving
Auto-fill instalment amount from selected chit
Send WhatsApp payment confirmation instantly
PDF ledger statement per member

Reports & PDF


Monthly collection report
Chit group summary with auction history
Member ledger statement
Share via WhatsApp, Google Drive, Email or print


WhatsApp Integration

Customizable message templates (English & Tamil)
Send auction results to all members at once
Send payment reminders — bulk or individual
Payment confirmation on save


Offline First
All data stored locally — works without internet
Auto-syncs to cloud server when online
Backup to device Downloads folder (no permission needed)
Bilingual

Full English and Tamil (தமிழ்) interface
Switch language anytime from Settings