Online Bhishi

Digital Bhishi — Your Traditional Chit Fund, Now Digital!

Digital Bhishi brings your trusted neighbourhood Bhishi (chit fund) experience
to your smartphone. Manage groups, track payments, announce winners and handle
payouts — all in one simple app.

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🏠 FOR BHISHI OWNERS
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✅ Create & manage multiple Bhishi groups
✅ Set group duration — 12, 18 or 24 months
✅ Add members and manage multiple shares per member
✅ Upload your UPI QR code for easy payment collection
✅ Verify member payment proofs with one tap
✅ Conduct monthly random draws fairly and transparently
✅ Track who paid and who hasn't every month
✅ Mark payouts as completed instantly
✅ Get daily reminders during draw window
✅ Download detailed group reports as PDF
✅ Verify member KYC documents securely

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👤 FOR BHISHI MEMBERS
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✅ Browse available Bhishi groups and request to join
✅ View your payment schedule and due dates
✅ Scan owner's QR code and pay via any UPI app
✅ Upload payment screenshot and transaction ID
✅ Track your payment history month by month
✅ See monthly draw results and winner announcements
✅ Get notified when it's your turn to receive payout
✅ Complete KYC verification securely in the app
✅ View all group members and payout timeline

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🎲 HOW THE MONTHLY DRAW WORKS
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Every month during the draw window, the group owner
randomly selects a winner from all eligible members.
Each member wins exactly once during the Bhishi cycle.
Members with multiple shares can win multiple times.
All draw results are announced instantly to every
member via notifications.

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🔐 SECURE & VERIFIED
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✅ KYC verification for all members and owners
✅ Aadhar and PAN verification
✅ Bank account verification
✅ All documents reviewed by trusted group owners
✅ Secure encrypted data storage
✅ JWT based authentication
✅ Role-based access control

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👥 USER ROLES
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🔴 Super Admin — Full system oversight
🔵 Admin — Manages owners and platform
🟠 Owner — Creates and manages Bhishi groups
🟢 Member — Joins groups, pays and receives

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💡 WHY DIGITAL BHISHI?
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Traditional Bhishi has always been about trust and
community savings. Digital Bhishi keeps that spirit
alive while making everything transparent, traceable
and hassle-free. No more paper records, no more
confusion about who paid and who won.

🏆 Fair monthly draws
📊 Complete payment transparency
📱 Pay via GPay, PhonePe, Paytm or any UPI app
🔔 Automatic reminders so nobody misses a payment
📄 PDF reports for complete record keeping
🌐 Available in English

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📞 SUPPORT
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Need help? Contact us at support@digitalbhishi.com
We respond within 24 hours.

Download Digital Bhishi today and take your
community savings group to the next level!