Questions people actually ask.

No. Beeshi never holds, moves or takes a cut of member money. Payments happen between your group exactly as they always have — by cash, UPI or bank transfer. Beeshi records what happened, and both the member and the admin have to confirm it.

A Kitty is round-robin: everyone contributes the same amount and one member takes the pot each round, until everyone has been paid once. A Chitty is an auction: members bid a discount to be paid early, and the difference becomes the group’s surplus.

Members put aside a small amount each day. When the round’s contribution falls due, Beeshi applies the accumulated balance to it automatically and records that against the payment. The same day’s saving can never be applied twice.

Two guarantors are named from inside the circle before any disbursement, and each must accept. Their consent is timestamped and recorded. Nothing is allocated until both are logged.

No. An invitation link only works for the phone numbers the admin has listed. Links also expire and can be revoked.

Beeshi reminds them, once per member per round, and surfaces their exposure to the group. Beyond that it is the admin and the two guarantors. We do not yet run a day-30, day-60, day-90 escalation — that work is still ahead of us.

Nothing. Beeshi is free to use — no subscription, no per-member charge, and no commission on anything your circle contributes or pays out. We also never hold your money, so there is nothing for us to take a cut of.

The app ships in eleven languages — English, Hindi, Bengali, Gujarati, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil and Telugu. This website is English for now.

Account deletion is available inside the app, under Settings.