Walkthrough

ChitsApp App Walkthrough

A tour of the ChitsApp Android app for chit fund organizers, one screen at a time: set up, create a chit, collect payments, close a cycle and download reports. Every screenshot is from the app, with demo data.

Chit Fund NameYour organisation’s name. It is shown on receipts and on the schedule you share with members.
CodeA short code that labels every chit, such as SFC-MAIN-1L. Every new chit’s code starts with it.
Change it laterThe sheet says you can change both any time from settings.

The ChitsApp sign-in screen with a phone number field and a Continue button

The Set Up Your Chits sheet asking for the chit fund name and a short code that labels every chit

2. Home: where the month stands

Home is the first thing you see. It answers one question: how much is due this month, and how much has come in?

Active Chits and Active MembersThe number of chits you are running and the members in them.
Collection Summary (Of Active Cycles)Due Amount, Collected and Pending across every running cycle, with the share collected as a bar.
Quick ActionsPending, Cycles, Reports and Auction. The badge on Pending is the number of outstanding payments, and on Cycles the number of running cycles.
Recent CollectionsThe last payments you recorded, with View All to open the full list.

ChitsApp Home: the organisation name, active chits and members, a collection summary of what is due, collected and pending, quick actions and recent collections

3. Create a chit

The Chits tab lists every chit you have, as drafts, active and completed. Create New Chit at the top starts the four-step create flow: Create, Preview, Members, Confirm.

All, Active, Draft, CompletedFilters for the list. A draft is a chit you have created but not published; nothing is shared with anyone until you publish.
Create New ChitPick one of six models, fill in its form, check the preview, add members, then publish. Each model has its own guide, linked below.

Base + Premium ChitPay the base amount until you lift, base plus a premium after Fixed Dividend ChitDividend reduces the monthly payment Fixed Payout ChitThe payout stays the same every month Fixed Payment ChitThe same payment every month Auction Dividend ChitBid each cycle, discount returns as dividend Custom ChitCreate your own chit schedule

The My Chits screen with a Create New Chit button, filters for All, Active, Draft and Completed, and a card for each chit

4. Members

The Members tab is your address book across every chit. A member can be in several chits, with a different number of units in each.

Import Contacts and Add MemberBring people in from your phone’s contacts, or type a first name, last name and phone number.
Call and WhatsAppEach row has a button to call the member or open a WhatsApp chat with them.
A member’s pageTap a member to see what they have paid so far, the payouts they have received and the chits they are in, with paid, due and payout for each.

The Members screen with Import Contacts and Add Member buttons, a search box and the list of members with call and WhatsApp buttons

The Add Member sheet with first name, last name and phone number fields and a Save button

A member’s page showing the total paid so far, the payout received and the chits they are in, with paid, due and payout for each chit

5. The chit screen in depth

Open a chit from the Chits tab. This one screen holds the whole chit: its terms, the cycle you are working on, and every payment.

HeaderThe chit’s name, its code, its first and last month and its status. The round button at the top right shares the schedule with members.
Members/Units and CyclesHow many of the chit’s members and units are filled, and how many cycles there are.
DetailsThe chit’s terms: the model, the chit value, the months, the commission and the settings for that model, plus the schedule sheet and an activity log.
RecipientsEvery cycle with the member who received that month’s payout and the amount, once assigned.
SummaryEvery collection recorded on the chit, with the member, the cycle and the amount.
Cycle barMove between cycles with the arrows, or tap the middle to choose any cycle from the list. Each shows whether it is scheduled, active or completed.
Due Amount, Collected, PendingThe money for the cycle you are on, with how many members have paid.
Recipient and Organiser ShareWho receives this month’s payout and how much, and your commission for the month. Change swaps the recipient, and the plus buttons record the payout or commission.
CollectionsOne row per member who owes this month. Pending, Paid and All filter them, and the plus on a row records a payment.
Settings (the gear)The chit’s name, a grace period, whether the next cycle starts on its own, whether a cycle may be closed with dues outstanding, and Delete Chit.

A chit’s screen: its name, code and dates, the chit value, members and cycles, tabs for Details, Recipients and Summary, the current cycle with its due, collected and pending amounts, the recipient, the organiser’s share and the collections

The Recipients tab of a chit, listing each cycle with the member who received the payout and the amount

The Chit Summary screen listing every collection recorded on the chit, with the member, the cycle and the amount

The Choose a Cycle sheet listing every cycle of a chit with its month and whether it is completed

A chit’s Settings screen with its name, a grace period, the automatic next-cycle and force-close switches and the Delete Chit option

6. Pending payments and active cycles

Two shortcuts on Home save you opening each chit to find what is owed.

Pending PaymentsEvery outstanding payment across your chits, by member, with the chit, the cycle, the due date and the amount. Search by member, and tap the plus to record the payment.
Active CyclesEach running cycle with what is to be collected, what has been collected and the payout.

The Pending Payments screen listing outstanding payments by member, chit, cycle and due date, each with its amount

The Active Cycles screen showing a chit’s running cycle with the amount to collect, the amount collected and the payout

7. Collect a payment, and the receipt

ChitsApp records payments; it does not take them. When a member pays you, you record it, and the receipt is made for you.

Collect PaymentShows who is paying and what is outstanding. Enter the amount (Max fills what is due), the date, how they paid (Cash, UPI, Bank or Cheque), an optional reference and a note, then Record.
ReceiptShows the receipt number, date and time, mode, the member, the chit and cycle, what was due, what has been paid and the total paid in the chit. Download, Print and Share are at the bottom.
Void This PaymentA payment recorded by mistake can be voided from its receipt. The Collections list marks it as reversed.
Collections tabEvery payment you have recorded, grouped by date, with search. The filter button sets the date range: Last 3 Months, This Month, Last Month or Custom.

The Collect Payment screen filled in: who is paying, the amount, the date, the payment mode chosen as UPI, and a Record button

The Payment Recorded screen with a receipt showing the receipt number, date, member, chit, cycle, amount paid and the total paid in the chit, with Download, Print and Share buttons

The Collections screen listing every payment recorded, grouped by date, with the member, chit, receipt number, amount and time

The Collections date range filter with Last 3 Months, This Month, Last Month and Custom

8. Closing a cycle

A cycle ends when you close it. Closing is always your decision: ChitsApp does not close a month on its own.

Close CycleThe button at the bottom of the chit screen. It asks you to confirm, and says that collection on the cycle ends once it is closed.
Close AnywayIf dues, the payout or the commission are still pending, the close is refused and the app shows what is outstanding. If the chit allows it, you can close anyway with a reason, which is recorded.

A cycle part-way through collection, with one payment of four recorded, the remaining amount pending and a Close Cycle button

The Close Cycle 1? dialog saying collection on the cycle ends once it is closed, with Cancel and Close Cycle buttons

The sheet shown when a cycle still has dues: it names the amount outstanding and offers Close Anyway with a reason that is recorded

Open the month

Needs a recipient, and the previous month closed. Opening creates every member's due, the payout and the commission.

Record payments

In full or in part. A payment cannot exceed what is due. A due can be waived, with a reason.

Close

Allowed when every due, the payout and the commission are paid or waived. If any is still pending, the close is refused.

or 03

Close anyway

Only if the chit allows it (a setting, on by default), and only with a written reason. Unpaid dues stay recorded as pending against that month. Nothing is marked paid and no payout is settled for you.

9. Auctions

In an Auction Dividend chit, each cycle waits for a bid before it has any amounts. Home’s Auction shortcut lists the cycles that are waiting.

Awaiting BidA cycle with no recipient yet. Record A Bid adds what a member calls out.
Find Best BidShows the highest bid and what it works out to: commission, dividend per member, what each member pays and what the recipient gets.
Fill CycleMakes the winner the recipient and sets the cycle’s amounts from their bid.

Read the Auction Dividend guide