Secure & Trusted
Chit Fund Services
Empowering your financial journey through secure savings and collective growth. Join a community built on trust, transparency, and decades of reliable service.
Savings
Disciplined Growth
Returns
High Yield Dividends
Security
Govt. Regulated
Tailored for Your Financial Growth
Choose from our range of government-approved chit groups. Whether you're saving for a rainy day or planning a big purchase, we have a plan for you.
Smart Start
Ret: ₹8,000 - ₹12,000*
Duration
20 Months
EMI
₹5,000
- Ideal for first-time investors
- Low monthly commitment
- Quick maturity period
- Guaranteed returns
* T&C Apply
Golden Grow
Ret: ₹40,000 - ₹60,000*
Duration
25 Months
EMI
₹20,000
- Perfect for gold purchase
- Mid-term financial goals
- Higher dividend yield
- Priority auction access
* T&C Apply
Diamond Wealth
Ret: ₹1,00,000 - ₹1,50,000*
Duration
40 Months
EMI
₹25,000
- Business capital expansion
- Long-term wealth creation
- Maximum dividend potential
- Flexible repayment options
* T&C Apply
⚠️ Disclaimer:Specific returns mentioned above are for illustration only. Actual dividends depend on monthly auctions.
1 Lakh Chit Funds Details
See how a typical ₹1,00,000 group progresses. Dividends are shared monthly among all members, reducing your effective monthly contribution.
Group Details
Value: ₹1,00,000 | 20 Months
| Months | Paid Amount | Dividend Earned | Prize Money |
|---|---|---|---|
| 1 | ₹5,000 | ₹0 | ₹95,000 |
| 2 | ₹5,000 | ₹1,250 | ₹70,000 |
| 3 | ₹3,750 | ₹1,250 | ₹70,000 |
| 4 | ₹3,750 | ₹1,250 | ₹70,000 |
| 5 | ₹3,750 | ₹1,250 | ₹70,000 |
| 6 | ₹3,750 | ₹1,200 | ₹71,000 |
| 7 | ₹3,800 | ₹1,150 | ₹72,000 |
| 8 | ₹3,850 | ₹1,100 | ₹73,000 |
| 9 | ₹3,900 | ₹1,000 | ₹75,000 |
| 10 | ₹4,000 | ₹900 | ₹77,000 |
| 11 | ₹4,100 | ₹800 | ₹79,000 |
| 12 | ₹4,200 | ₹750 | ₹80,000 |
| 13 | ₹4,250 | ₹700 | ₹81,000 |
| 14 | ₹4,300 | ₹600 | ₹83,000 |
| 15 | ₹4,400 | ₹550 | ₹84,000 |
| 16 | ₹4,450 | ₹500 | ₹85,000 |
| 17 | ₹4,500 | ₹400 | ₹87,000 |
| 18 | ₹4,600 | ₹250 | ₹90,000 |
| 19 | ₹4,750 | ₹100 | ₹93,000 |
| 20 | ₹4,900 | ₹0 | ₹95,000 |
| Total | ₹85,000 | ₹15,000 | |
| Net Profit for Last Bidder | ₹10,000 | ||
| Net Profit for Second Bidder | ₹11,600 | ||
Total Paid
₹85,000
Net Profit for Last Bidder
₹10,000
Net Profit for Second Bidder
₹11,600
* Note: The above is a representative calculation based on typical auction trends. Actual values might vary.
Wealth Creation, Simplified.
We combine traditional financial wisdom with modern technology to give you the best savings experience.
Govt. Regulated
Rest assured, your investments are fully compliant with the Chit Funds Act, 1982.
High Dividends
Maximize your savings with competitive monthly auction dividends.
Digital Portal
Track every penny with our secure online portal. View history and dues instantly.
Quick Funds
Need emergency cash? Profit from early auction winning with minimal paper work.
Empowering Financial Growth Since 1995
Sri Samruddhi Chit Funds has been a pillar of financial stability for thousands of families across Karnataka. We believe in the power of community savings to achieve big dreams.
Our transparent approach, fully regulated by the Chit Funds Act, 1982, ensures your money is safe and growing.
30+
Years Experience
10k+
Happy Customers
How Chit Funds Work
Understanding the power of collective savings.
Join a Group
Choose a Chit scheme that fits your budget (e.g., ₹5 Lakhs for 25 months) and become a member by completing simple KYC.
Monthly Contribution
Every month, members contribute a fixed installment amount into the pot. This creates the prize money for the auction.
Participate in Auction
Need funds? Participate in the monthly online auction. The member willing to forego the highest amount wins the prize money.
Receive Dividends
The foregone amount is distributed equally among all non-prized members as a dividend, reducing your next month's payment!
Want to see it in action?
Watch our simple explainer video to understand exactly how we help you grow wealth.
Trusted by Families Across Karnataka
Don't just take our word for it. Hear from our members who have achieved their financial dreams with Sri Samruddhi Chit Funds.
"I used the auction amount to expand my textile business. The process was seamless, and the dividends I earned on my other chits covered the interest!"
Ramesh Gupta
Business Owner
"As a salaried professional, I wanted a disciplined savings habit. Sri Samruddhi gave me better returns than my RD, plus the option to take money when I needed it."
Anita Desai
Software Engineer
"Trust is everything in chit funds. I've been with them for 15 years. Their transparency and timely payments are why I recommend them to everyone."
Suresh Reddy
Retired Government Officer
Ready to Grow Your Wealth?
Join thousands of satisfied members who have secured their future with Sri Samruddhi Chit Funds. Safe, simple, and rewarding.
Everything You Need to Know
Frequently asked questions to help you understand how simple and rewarding it is.
?Is investing in Chit Funds safe?
Yes, investing in registered Chit Funds like ours is completely safe. We are regulated by the Chit Funds Act, 1982, and monitored by the State Government. Your money is legally protected and transparently managed.
?How is the dividend calculated?
The dividend is the discount amount foregone by the prize winner in an auction. This amount, minus our standard commission (5%), is distributed equally among all non-prized subscribers as a 'dividend', effectively reducing your next month's installment.
?Can I join multiple chit groups?
Absolutely! Many of our members diversify their savings by joining different groups with varying values and durations—some for short-term needs and others for long-term wealth creation.
?What documents are required to join?
To ensure compliance with KYC norms, we require simple ID proof (Aadhaar/PAN), address proof, and a passport-sized photograph. The process is quick and can even be started online.
Still have questions?
Contact us →Start Your Financial Journey
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Our Offices
Head Office
Mundrigi Complex, Near Indian Oil Petrol Bunk, Sirigeri Cross, Siruguppa TQ, BELLARY DISTRICT - 583120
Branch 1
#35, Oriayan Luxury Villas, Kammasandra, Bangalore - 560100
Branch 2
134, 1st floor, Ambha bavani temple, Ashok nagar, Ballari