Trust in giving and receiving
India has run this circle for a hundred years. It just never got software.
Beeshi is the app for the kitty, bhishi, committee or chitty you are already in. Every rupee recorded. Every member in one room. No more arguing about who paid in March.
Beeshi never holds your money.
March payout
₹50,000
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 — the same circle is a gameya in Egypt, a tanda in Mexico, a susu in West Africa, a chama in Kenya.
How it works
Put down the notebook. Keep the circle.
Beeshi does not ask you to start saving differently. It asks you to stop keeping the record on paper.
Create the circle, or join one
Start a Kitty or a Chitty and invite from your contacts. Invitation links only work for the phone numbers you list, so a stranger cannot walk in.
Set the rules together
Contribution amount, monthly or quarterly period, how the draw order is decided, and who the admins are. Agree it once and the app holds everyone to it.
Save, bid, or celebrate
Members pay each round and mark it; the admin confirms. Daily Save puts money aside a little at a time. In a Chitty, members bid for an early payout.
Watch it settle
Every rupee lands on an append-only ledger. Each member sees what they put in, what they took out, and what they still owe.
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
- Meet polls to fix the sitting date
- 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
Shared by both. Daily Save is where most groups feel the difference.
The one that changes everything
₹1,500 a month is a wall. ₹50 a day is a habit.
Members put aside a little each day. When the contribution falls due, Beeshi applies the accumulated balance to it automatically — recorded against the payment, never counted twice.
How Daily Save works →
The room
A savings group here cannot exist without a conversation.
Every circle is created together with its room. They are the same object. Every other app bolts chat onto a financial product — here the money lives inside the conversation.
Inside the room →The party
The party is not a feature. It is how the money gets paid.
A kitty is a social occasion first — the saving is the excuse to meet. When the group stops meeting, the payments start slipping. So we put the occasion inside the app.
Money among friends breaks in five ways.
We designed for four of them. The fifth is work we have not finished, and we would rather say so here.
Beeshi never holds your money
No float, no escrow, no pooled account. There is nothing to abscond with.
An append-only ledger
Entries are written once and never updated. The member claims a payment, the admin verifies it.
Two guarantors, consent logged
Named from inside the circle, and they must accept before any disbursement.
Delinquency escalation — not built yet
We remind, and we surface exposure. We do not yet escalate. That work is still ahead of us.
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.
Bring your circle across.
Free to use, with nothing held back behind a paid tier. Your first round can be running this week.
Download Beeshi