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The maximum bid allowed is 35% of the chit value. For a ₹1,00,000 chit, this means a maximum discount of ₹35,000. The winning bidder receives ₹65,000. Of the ₹35,000 discount, 5% (₹5,000) goes to the company as management commission and the remaining ₹30,000 is distributed equally among all members as dividend.

Absolutely! We welcome first-time members. Our experienced team will walk you through everything — from selecting the right chit plan for your income, to understanding auctions and dividends. Visit our office or call us and we'll guide you step by step.

Once you win the auction, prize money is typically disbursed within 5–7 working days after completion of verification and documentation. We ensure a fast and hassle-free process so you can access your funds when you need them most.

We understand that financial situations can change. If you anticipate difficulty in making a payment, please contact us immediately. We work with members to find solutions. However, regular non-payment may result in forfeiture of benefits as per the Chit Fund Act regulations.

Chit funds offer a unique dual benefit — you save AND have access to a large lump sum before your savings term ends (via the auction), which FDs don't offer. The effective returns, after accounting for dividends received, are often comparable or better than FD rates. Additionally, you don't need to break your investment to access funds in an emergency.