Say Yes to Chit Funds. Say Yes to financial prosperity!

Deepavali is just round the corner. This year the urge to celebrate and spread cheer is even stronger as the whole country is coming out of the shadows of the Covid pandemic. We were constrained from moving in large numbers or gathering in public places for 2 consecutive years. Now, it’s time to really break free and enjoy the festivities in their true glory.

In this festive and celebratory season, take a step towards financial prosperity. Take that first step to invest in a chit fund scheme with Shanthala Chits. Walk into our office or give us a call. Or visit our website – will get you started on the most appropriate chit scheme to suit your financial goals.

Advantage of being a Community financial instrument

Chit funds are a tested and trusted financial instrument, prevalent in India since time immemorial. Our Indian ethos supports and nurtures several community driven business and social models. Whether it is co-operative banks or milk federations, or community saving schemes like chit funds. The goal is collective benefit and prosperity for all.

In modern day investment circles, there is a great buzz about distributed or crowd funding. The larger idea being decentralized methods of arranging finances. Instead of approaching a bank or lending institution for loans, people rely on a peer community who understand your needs and have a shared benefit in your success. There are several digital apps and lending products in the market advocating this innovative method of ‘peer to peer lending’ within communities. But chit funds are exactly the same and they have been prevalent in India for very long!

Advantage of being a Contingency financial support system

An additional advantage is that Chit Funds are a dual purpose financial instrument. You make your investment in a chit scheme over a tenure of 2-3 years. But in case you need money during the tenure, you are free to withdraw the entire chit prize money! So, there is no need to fall back upon any debt instrument to fund your emergency financial needs. You can withdraw your investment within a few days, in a hassle-free way with no delays or difficulties. Both businesses and households can greatly benefit from choosing chit funds as a regulated, fixed income, secure investment option.

On the other hand, if you reach the end of the tenure without making a withdrawal, you will earn a very good return on your investment ranging from 7-9%.

Advantage of zero liability or debt burden on the family

Chit fund investments are a monthly investment plan, where you can park your earning surplus in an easy and secure way. Contrast this with taking a loan and setting aside the same amount of money every month as EMI. Interest and principal repayment are both added financial burdens on the family. On the other hand, Money in a chit fund is your own money. You are not indebted to anybody when you withdraw this money, to meet your family needs or expenses.

That’s one of the reasons why chit funds can ensure the prosperity and welfare of your family. However, they require a small amount of financial discipline in our spending today in order to secure our tomorrow. And when the investments begin to bear fruit, it gives us immense financial security and stability.

However meagre your beginning might be, you must get into the practice of saving right away. If you keep waiting for that next bonus cheque or stock option to come your way before you save, then it’s never going to happen. Before the additional income arrives, unforeseen expenses may arise or there may be a temporary dip in business, or a health emergency at home, you never know.


Shanthala Chits has been in the business for over 2 decades now. We have always been a strong advocate of investor rights and interests. The small investor and borrower – whether a householder or a businessman – is at the center of our focus. We have always believed in keeping our investors informed and our customer service is also tuned to take care of our investor’s welfare and needs.

We are a Government approved chit fund company with a 25-year successful track record and thousands of satisfied customers. Shanthala Chits is registered under the Chit Fund Act of 1982, the Government of Karnataka. We are one of the most popular chit fund houses based out of Bengaluru, known for our customer satisfaction and secure investments.

We at Shanthala Chits consider ourselves as financial partners of our valued readers and customers. The financial stability and prosperity of our investors is our primary goal. Educating our people on money management and financial matters is of prime importance in order to meet this goal in the long term. So we thought of passing on this message to our readers and investors. Hope you found them useful. Write to us, leave your comments below to share your experiences. We would love to hear from you!

Anuradha C

Anuradha is a freelance writer cum corporate trainer in the IT/telecom domain with over 18 years experience. She served in senior technical and management positions in Huawei and TCS for 10+ years. Then gave up the traditional corporate ladder to go solo - in order to escape horrendous city traffic and to be at her own boss!
Anuradha C

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