A smarter way to save, invest & borrow – trusted by families across Telangana.
At Vishista Associates, we bring you a reliable, transparent, and community-based financial solution — Chit Funds. Whether you’re saving for a future goal or need urgent cash flow, our chit fund schemes offer flexibility, discipline, and access to funds when you need them most.
A chit fund is a unique blend of saving and borrowing. Each member contributes a fixed amount monthly. Every month, one member wins the pooled amount through a transparent auction or draw. It’s ideal for those who want to build savings while having access to emergency funds.
Group Formation: A group (chit) of members is created for a fixed duration and amount.
Monthly Contribution: All members contribute an equal amount every month.
Monthly Payout: Through auction or lucky draw, one member receives the total collected amount (minus commission).
✅ Government-Registered – 100% safe, legal, and transparent operations
✅ Flexible Tenures & Amounts – Choose a plan that fits your financial goal
✅ Instant Access to Funds – Win the chit early if you need emergency cash
✅ Trusted by Thousands – Proven track record in Telangana
✅ Minimal Documentation – Simple onboarding process
✅ In-Person – Manage your chit offline
Yes, Vishista Associates operates government-registered chit schemes as per the Chit Funds Act, 1982.
A grace period is given, and late penalties may apply. We offer reminders and support for timely payments.
Not with us! We maintain 100% transparency in auctions, documentation, and member rights.
Through a transparent auction or lucky draw system, conducted fairly in front of members.
Absolutely. Many clients opt for multiple chits for different goals.
