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3 min read
Full-Stack Development Project

ManaChitti

A digital Chitti management platform that replaces paper ledgers with automated auctions, member passbooks, and collection tracking.

Client ManaChitti
Industry FinTech / Chit Fund Management
Services Full-Stack Development, Database Design
ManaChitti project image
The Challenge

Replacing error-prone paper Chitti ledgers

Chitti organizers often rely on manual calculations and paper records to run auctions, distribute dividends, track payments, and answer member questions. This creates avoidable errors and makes records difficult to share and maintain.

Our Approach

A digital toolkit for organizers and members

Digiclario built a cloud-backed platform for managing multiple Chitti groups, calculating auction dividends, tracking arrears and collections, and giving members self-service access to their passbooks.

  1. 1
    Manage groupsSet up Chitti cycles, pot sizes, and member allocations across multiple groups.
  2. 2
    Run auctionsCalculate winning bids, organizer commission, and member dividend distributions.
  3. 3
    Track collectionsMonitor member payments and arrears, with reminders for outstanding dues.
  4. 4
    Share passbooksGive members access to their payment history, dividends, and upcoming dues.
Key Decisions

What we would decide, and why

Automate dividend calculations

Calculate auction discounts, organizer commission, and member distributions together to reduce manual arithmetic.

Give members self-service access

Let subscribers review their own payment and dividend history without relying on paper records or organizer follow-up.

Keep group records private

Separate each organizer's member and Chitti records within the cloud-backed platform.

The Result

Less time reconciling, clearer member records

The project brief reports a 95% reduction in monthly ledger reconciliation time, fewer arithmetic discrepancies between organizers and subscribers, and a move from paper records to cloud-backed ledgers.

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