Trust in giving and receiving
India has run this circle for hundreds of years. It just never got software.
Bhishi in Maharashtra, committee in the North, chit in the South, kitty party in every city. Beeshi is the app for the one you are already in.
Beeshi never holds your money.
March payout
₹50,000
What it costs
Beeshi is free. And it never touches your money.
No subscription, no per-member charge, and no commission on anything your circle contributes or pays out. There is no paid tier holding a feature back.
Nothing to pay
Every feature, every member, every circle.
No commission
We take no share of your pot, ever.
No custody
Your money moves between you, not through us.
One circle. Many names.
भिशी
Maharashtra
कमेटी
North India
চিট
West Bengal
ચિઠ્ઠી
Gujarat
ಚೀಟಿ
Karnataka
കുറി
Kerala
ଚିଟ୍
Odisha
ਕਮੇਟੀ
Punjab
சீட்டு
Tamil Nadu
చీటీ
Telangana
Kitty
Everywhere else
Not only ours, either.
Economists call it a ROSCA. Everyone else just calls it saving.
Two ways India runs a circle. We built both.
Pick the one your group already uses.
Kitty — round-robin
Everyone contributes the same amount each round. One member takes the whole pot. Rotate until every member has been paid once.
- Draw order by lucky draw or agreement
- Contribution periods, monthly or quarterly
- Members can take more than one hand
- Every round on an append-only ledger
Chitty — auction
Members bid a discount to be paid early. The lowest bid takes the pot, and the difference becomes the group's surplus.
- Sealed bids within a floor and ceiling
- Two guarantors before any disbursement
- Settlements confirmed by both sides
- Surplus routed to a runner-up, loan or next pot
Jodi — the shop plan
More about Jodi →Not a circle at all. The plan your family already uses at the jeweller, and that any shop can run — pay eleven instalments, the shop funds the twelfth. Between one shop and one customer, with no group and no pot.
Beyond the money
A circle is more than what everyone paid in.
It is the saving habit, the conversation, and the reason people turn up. Beeshi keeps all three in one place.
Daily Save
₹1,500 a month is a wall. ₹50 a day is a habit. Put money aside daily and Beeshi settles the contribution for you.
More →The Room
Six games the group actually plays, plus chat, calls, snaps and the group's memory. The circle that meets on Sunday pays on Monday — so the room is not bolted on, it is how the money gets paid.
More →How a circle stays honest.
Four things that protect your money — and one we have not finished yet.
Beeshi never holds your money
No float, no escrow, no pooled account. There is nothing to abscond with.
No more arguing about who paid in March
Every payment is written down once and never changed. The member records it, the admin confirms it, and it stays there for the whole circle to see.
Two guarantors, before any money moves
Named from inside the circle, and both must accept. Nothing is allocated until they do.
If someone stops paying — the honest bit
We remind them, and every missed round stays visible on the circle’s ledger. We do not chase debts, and we cannot recover money for you. That work is still ahead of us.
Bring your circle across.
Free to use, with nothing held back behind a paid tier. Your first round can be running this week.
Download BeeshiBeeshi never holds your money.