13 branches.
One promise.
 Thousands kept word.

In 2005, Shriram Raghavendra Chits opened with a single branch and a simple bet — that if you treated people's savings the way you'd treat your own family's, word would travel faster than any advertisement ever could.

It did. Across Andhra Pradesh and Telangana, that one branch became thirteen — not because of aggressive expansion, but because every payout made on time, every auction conducted fairly, became a reason for someone to tell a neighbour, a cousin, a colleague.

Today, that promise runs on better rails — digital records, transparent auctions, and a member experience that meets people where they already are: on their phones, in their language, on their schedule. But underneath the technology is the same idea we started with — that a chit fund works best when it feels less like an institution and more like a circle of people who keep their word.

The Numbers Behind the Story

Not just statistics — each one represents thousands of families who chose to trust us with what mattered to them.

One pot.
Fifty members.
 One promise, every month.

Picture fifty people standing in a circle. Each month, everyone places their instalment into the centre. One person — the highest bidder — steps forward, takes the prize money, and the gap they left behind is shared, in small pieces, back to everyone else. That's the entire mechanism. No fine print, no hidden machinery.

Every month, this cycle repeats — for 50 months, until everyone has had their turn.

₹5,00,000 Chit — The Journey

50 members · 50 months · Monthly instalment ₹10,000