Jodi
Pay eleven. The shop pays the twelfth.
The jeweller’s plan your family has used for years — a fixed amount every month, and a benefit from the shop at the end. Any shop can run one: a furniture showroom, an electronics store, a clothing shop. Same arrangement, now with a record both sides can see.
Download BeeshiBeeshi never holds your money.
11 instalments. The last one funded by the shop.
Not a circle. A plan between two people.
A Kitty or a Chitty is a group of people who all know each other. Jodi is different, and deliberately so.
A Kitty or Chitty
- Everyone knows everyone
- Rounds, a pot, and a winner each round
- One group conversation, shared by all
- Members see each other’s payments
A Jodi plan
- A shop and its customers, who need not know each other
- No rounds, no pot, no winner — just instalments and a benefit
- No group chat. Each member has a private thread with the shop
- Members cannot see one another at all
What the shop sets, and what Beeshi records.
Your own start date
Enrolment is rolling, so each member has their own start date and their own instalment. One plan can hold members paying different amounts.
Only the bonus is calculated
Where the shop funds instalments, Beeshi computes the rupee value. Anything else — a percentage off, a flat discount, or a jeweller waiving making charges — is recorded exactly as the shop declared it. We do not compute a value we cannot verify.
Settlement takes both sides
The shop records the closure, the member confirms it. Neither side can close a plan alone.
Your principal is never at risk
Miss an instalment and there is a grace window, then the term can extend, and prorating the benefit is the floor. What flexes is the funded bonus — never the money you put in.
Where we draw the line
A Jodi plan runs for twelve months at most, and the benefit is always goods.
Never cash. A plan that ran longer, or paid out in money, would stop being an advance against goods and start being something neither the shop nor Beeshi is licensed to do. The cap is built into the product, not left to the shop to remember.
Beeshi still never holds your money.
Instalments go straight to the shop, exactly as they always have. Beeshi records what both sides agree happened — and shops must complete identity verification before they can run a plan at all.
Run your shop plan on a record.
Free to use, for the shop and every member.
Download BeeshiBeeshi never holds your money.