Everything you need to set up and run chit-fund record-keeping in ChitsVyapar.
Tap Sign up → enter your email + password, or "Continue with Google". With email, click the verification link in your inbox before signing in. New accounts start free, no card. (Optional: enter a referral code for plan credit.)
Go to Login → email + password, or "Continue with Google" (the same method you signed up with). Forgot your password? Use "Forgot password". If you turned on 2FA, enter the 6-digit code.
You land on the Dashboard — collected, pending, and overdue at a glance. The left sidebar is your menu: Chit Groups, People, Payments, Reports, Premium, Guide, My Profile, and more. On mobile, tap the menu icon top-left.
Open People → Add → enter Name + Phone → save. Use "Bulk add people" for many at once. A person is added once and reused across any number of groups — adding them here does not put them in a group yet.
Open Chit Groups → "New chit group" → fill Group name, Total ₹ (chit value), Monthly ₹ (installment), Months (duration), Start date → Save. The full month-by-month schedule is generated for you.
Open the group → Members section → "Add members" → pick people (add them in People first if missing) → confirm. Each member gets an installment row every month. Remove/exit a member from the same section — history is kept.
Open the group → Edit. Terms can change safely: schedules recompute and every edit is written to the group audit log.
Open the group → Auctions → "Record auction" → select the winning member and enter the winning bid. The app computes the winner payout and everyone else's dividend/extra split automatically.
On that month, use "Revoke auction" to reverse it — schedules recompute and the action is logged.
Open Payments (or a group, month by month) → find the member/installment → mark Collected → enter the amount (full or partial) and tag the method (Cash / UPI / Bank / Other) → save. The app records who paid what; it never moves money.
In Payments, find the row → tap "Undo" to reverse it, then re-record correctly if needed. Every change is in the audit log, so corrections stay traceable.
Use the reminder action next to an unpaid member and pick a channel (WhatsApp / email — depends on your plan). For automatic nudges, enable Automated reminders on the Premium page. Each plan includes a monthly reminder allowance.
Open Reports for monthly breakdowns and six-month trends; open Statements for per-group and per-member statements (PDF on supported plans). They build themselves from what you record.
Role-based access plus a signed audit trail on every action — corrections, auctions, edits are all logged.
Open Import (on plans with migration) → download the template → fill in your groups/members/payments → upload → review the preview → confirm.
Premium → "Export my data" downloads a ZIP: one CSV per collection plus a full JSON copy — a backup, or to take your data elsewhere. Each plan allows a number of exports per month.
Premium → Staff & collectors (needs role-based access). Invite a collector by email and assign specific groups. They sign in with their own account, see only those groups, and can record payments + send reminders — never billing or other groups. Use "Working as" in the sidebar to switch context.
Open Refer & Earn for your personal code/link. Share it; when another operator signs up and pays, you earn plan credit.
Tap the floating "Send feedback" button (bottom of the screen) → pick a category (design tweak, structural fix, feature wish, or bug) → for a bug, set severity and describe it → submit. It goes straight to the team.
Open My Profile to update name, email, phone, etc. Under Security, change your password (email accounts) or send a reset email, and turn on two-factor (2FA). Changing your email here updates your login email everywhere.
My Profile → Danger zone → "Request account deletion" → read what will be removed (account, groups, members, payments, transactions) → tick "I understand this is permanent" → Confirm. Processed within 7 working days; cannot be undone.