The committee, the bachat-gat, the kitty — saving together is how Bharat has always saved. VIKAM brings it online, with full transparency.
How a circle works
- A group of १०–५० people — family, friends, or neighbours — saves a fixed amount on a schedule (weekly, fortnightly, or monthly).
- Every contribution is your own savings, recorded transparently — VIKAM never holds or custodies your money.
- Members take turns receiving the pooled amount, transparently and on schedule.
- You can see every contribution and payout, anytime, in your language.
Why it's safe
- Transparent: every contribution and payout is tracked and visible to all members.
- Verified members: optional KYC and bank verification for added trust.
- This is a subscription-based group-savings service, not a chit fund or a deposit scheme.
Who it's for
Anyone saving toward a goal — a festival, a wedding, school fees, or an emergency cushion — who wants the discipline and trust of saving as a group, without the paperwork or risk of informal committees.
Building your habit (and your score)
Saving regularly in a circle builds real financial discipline — and contributes positively to your Paisa Score, since on-time saving is one of the strongest signs of healthy money habits.