Run your chit fund without the paper ledger.
Nidhi keeps track of members, monthly payments, and auctions for you. No more manual math. No more "how much do I owe?" phone calls — every member can check their own passbook any time.
Free for 90 days. No card needed to start.
One place for everything your chit fund needs.
Nidhi is an app for people who run chit funds. It keeps every member, every payment, and every auction organized — automatically. You stop doing math by hand, and every member always knows exactly where they stand.
For managers
Add members, record payments, run auctions, and see who owes what — all in a few taps, from your phone or your computer.
For members
Get a private link to your own passbook. Check what you've paid, what you owe, and your group's auction history any time.
For trust
No one has to take anyone's word for it. The numbers are right there, for the manager and every member to see.
What a chit fund actually is.
A chit fund is a group savings plan. A fixed group of people each pay the same amount every month into a shared pot. Each month, one person gets the whole pot — decided by an auction, where members bid to take it early for a small discount. That discount is shared with everyone else, lowering their next payment. This repeats until every member has received the pot once. In India, chit funds follow the Chit Funds Act, 1982.
Four things a manager does with Nidhi.
1. Add your members and groups
Set up a chit group once — members, monthly amount, and how many months it runs. Nidhi handles the schedule from there.
2. Collect payments, even offline
Record a payment the moment you collect it, cash or otherwise — even with no signal. It saves safely and syncs when you're back online.
3. Run the monthly auction
Record who won the auction, their bid, and the dividend. Nidhi works out what everyone pays next month, automatically.
4. Share each member's passbook
Every member gets a private link showing their own record — nothing to print, nothing to explain over the phone.
Your records are safe, and only yours.
Only you can see or change your chit fund's records — no one else, not even us. Every payment and every change is saved the moment it happens, so nothing is lost, even if you're offline when you record it. Your data is also backed up automatically, so a mistake or a lost phone can never wipe out your records.
Use the Android app in the field, the web app at your desk.
Collect payments on your phone while you're out meeting members. Come home and review everything on your computer — the same account, the same records, always in sync. Use one, use both, switch any time.
Free to try. Simple to keep.
Every new account gets 90 days free, no card required. After that, light use stays free — a small number of actions each day, forever. If you run bigger groups or need more room, a paid plan removes that daily limit. See the full breakdown on the Pricing page.
Find your passbook, or get help from Support.
If your manager already uses Nidhi, they sent you a private passbook link — usually over WhatsApp. Lost it? Visit Member's Corner and we'll notify your manager for you. Have a question instead? Visit Support.