Find the Perfect Chit Plan for Your Goals
From ₹1 Lakh to ₹10 Lakh, choose a chit plan that fits your savings goal, pay easy monthly installments, and grow with transparent auctions.
Flexible Tenure
20 to 30 month plans
Transparent Auctions
Fair monthly bidding
No Hidden Charges
Clear terms upfront
Instant Tracking
Monitor anytime, anywhere
Dedicated Support
We're here to help
3 Ways to Save
Choose Your Chit Scheme Type
Every SmartGrow plan runs on one of three scheme types. Pick the mechanic that fits how you want to save.
General Chit
Simple, disciplined saving — no auctions, no bidding.
Auction Chit — Admin Pool
Auction savings build a pool that opens new member seats.
Auction Chit — Dividend
Auction savings come straight back to you, every month.
All Chit Plans
Pick a Plan, Start Saving Today
Every plan is government regulated with transparent auctions and timely payouts.
₹1,00,000
20 Months · 20 Members
₹2,00,000
20 Months · 20 Members
₹3,00,000
25 Months · 25 Members
₹5,00,000
25 Months · 25 Members
₹10,00,000
30 Months · 30 Members
Compare Plans
See How Our Plans Stack Up
| Plan | ₹1,00,000 | ₹2,00,000 | ₹3,00,000 | ₹5,00,000 | ₹10,00,000 |
|---|---|---|---|---|---|
| Chit Value | ₹1,00,000 | ₹2,00,000 | ₹3,00,000 | ₹5,00,000 | ₹10,00,000 |
| Scheme Type | General Chit | Auction · Admin Pool | Auction · Dividend | Auction · Admin Pool | Auction · Dividend |
| Tenure | 20 Months | 20 Months | 25 Months | 25 Months | 30 Months |
| Members | 20 | 20 | 25 | 25 | 30 |
| Monthly Installment | ₹5,000 | ₹10,000 | ₹12,000 | ₹20,000 | ₹33,333 |
| Est. Dividend / Payout | At Maturity | Grows Admin Pool | ₹24,000 | Grows Admin Pool | ₹85,000 |
How SmartGrow Works
Simple Steps to Achieve Your Goals
01 Register
Create your account in minutes
02 Join a Chit
Choose a chit plan that suits you
03 Pay Monthly
Pay your installment every month
04 Participate in Auction
Bid in auction and win with higher payouts
05 Receive Amount
Receive your chit amount and achieve your goals
Frequently Asked Questions
Ready to Start Your Savings Journey?
Join SmartGrow Chits today and take a step towards a secure financial future for you and your family.