Nidhi helps chit fund managers run their groups — members, monthly collections, and auctions — with clear, always-up-to-date records. Every member gets their own private passbook, always up to date.
Nidhi is an app that helps chit fund managers run their groups — tracking members, monthly payments, and auctions — with clear, always-up-to-date records. Every member in a Nidhi-managed group gets their own private passbook link, showing exactly what they've paid, what they still owe, and their group's auction history.
A chit fund is a group savings system: a fixed number of members each contribute a set amount every month into a shared pot. Each month, one member — decided through a bidding process called an auction — receives the full pot. This continues until every member has received the pot exactly once. In India, chit funds are governed by the Chit Funds Act, 1982.
Members who don't need money urgently can choose to wait; those who bid and win early accept a discount, which is then shared as a dividend among the whole group — lowering everyone's payment the following month.
If your manager uses Nidhi, they send you a personal passbook link — usually over WhatsApp. It always shows your own payment status and history, updating automatically. Lost your link? Visit Member's Corner to get help finding it.
Nidhi is built for chit fund managers who want clear records, automatic reminders, and a transparent view for every member — without paper ledgers or manual calculations.