Bangalore's Most Reliable & Approved Chit Fund

Your Trusted Partner in Building Financial Confidence.

Where Disciplined Savings Meet Limitless Opportunities

Empowering families and businesses with transparent, professionally managed chit funds for over 20 years. Secure your financial future with our reliable savings plans.

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Why Choose Us

Company Highlights

Discover why thousands of individuals and business owners across Karnataka trust Imbu Shankar Chits for their financial milestones.

20+ Years of Trusted Service

Over two decades of proven financial discipline, unwavering ethical practices, and trusted community service across Bangalore.

Government Approved Chit Fund

Fully licensed, audited, and strictly regulated under the Chit Funds Act, 1982 by the Registrar of Chits, Government of Karnataka.

Transparent Operations

Open, fair monthly auctions with crystal-clear documentation and zero hidden charges for every single subscriber.

Trusted by Thousands

Over 10,000+ satisfied families and thriving business owners rely on our structured chit schemes for their cash flow needs.

Secure Investments

100% bank-backed security deposits and strict statutory compliance ensuring your savings are always protected and compounding.

Customer-Centric Services

Dedicated relationship managers, simplified KYC documentation, and seamless digital payment flexibility.

Exclusive Customer Rewards

We Reward Your Financial Discipline

Paying your installments on time shouldn't just build your savings—it should earn you additional benefits. That's why we've introduced an exclusive reward program designed to appreciate our responsible subscribers.

Monthly Benefit

Save 1% Every Month

Pay your monthly installment on or before the 10th of every month and receive a 1% discount on that month's installment amount.

Every eligible payment helps you save more while maintaining a strong payment record.

Monthly Savings Examples:
  • ₹5,00,000 Chit (₹20,000/mo): Pay before 10th & save ₹200 every month (Total: ₹5,000 saved).
  • ₹10,00,000 Chit (₹40,000/mo): Pay before 10th & save ₹400 every month (Total: ₹10,000 saved).
  • ₹25,00,000 Chit (₹1,00,000/mo): Pay before 10th & save ₹1,000 every month (Total: ₹25,000 saved).
Completion Reward

Earn an Additional 1% Bonus

Members who complete their entire chit tenure without missing or delaying a single payment receive an additional 1% reward calculated on the total chit value.

Example: Complete a ₹10,00,000 chit with a perfect payment history and receive an additional ₹10,000 reward.

Why We Introduced This Program

Our goal is simple—encourage consistent savings, reward financial discipline, and help every subscriber receive even greater value from their chit investment. Responsible payments deserve meaningful rewards.

Our Pillars

Our Core Values

The foundational ethics that guide every auction, transaction, and relationship at Imbu Shankar Chits.

Trust

We safeguard your hard-earned savings with unwavering integrity, maintaining 20+ years of unblemished reliability.

Transparency

Every auction, dividend distribution, and statutory report is open, documented, and completely transparent.

Integrity

We adhere rigorously to ethical business standards and statutory regulations without exception.

Commitment

Dedicated to timely prize disbursements and ensuring high monthly dividends for every subscriber.

Customer First

Customized support, digital flexibility, and personalized guidance for your unique financial goals.

Financial Growth

Maximizing returns on your savings through competitive auction dividends and compounding wealth.

Government Certified

Government Approved & Registered Chit Fund Company

Imbu Shankar Chits Pvt. Ltd. operates in complete compliance with the Chit Funds Act, 1982 and is officially registered under the Registrar of Chits, Government of Karnataka. All chit groups are backed by 100% bank security deposits for total peace of mind.

100% Statutory Security
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Interactive Tool

Calculate Your Estimated Returns

Explore how disciplined monthly savings compound with historical average dividends (typically ranging between 20% to 30%).

25%
15% (Min Avg) 25% (Standard Avg) 35% (Max Avg)

Estimated Savings Overview

Total Chit Value ₹ 10,00,000
Duration / Tenure 40 Months
Estimated Dividends Earned + ₹ 2,50,000
Actual Net Amount Payable ₹ 7,50,000
Avg Monthly Pay ₹ 18,750 / mo
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Whatever You're Working Towards, There's a Plan That Fits.

Buy Your Dream Home

Buy Your Dream Home

Turn years of planning into reality with structured financial support tailored to your housing goals.

Invest in Education

Invest in Education

Create better opportunities without delaying your ambitions by saving for higher education.

Expand Your Business

Expand Your Business

Fuel business growth, manage working capital, and expand inventory without interrupting cash flow.

Emergency Fund

Emergency Fund

Stay financially prepared for life's unexpected situations with a secure, accessible safety net.

Savings Plans That Grow Alongside Your Dreams.

No matter where you are in life, choosing the right savings plan makes achieving your goals easier.

Select a monthly contribution that matches your budget and let your savings work toward something meaningful.

Starter Plan

Begin your savings journey with confidence. Perfect for young professionals and first-time investors.

Family Saver

Designed for families planning education, healthcare, and future expenses.

Business Growth Plan

Built for entrepreneurs looking to strengthen working capital and business expansion.

Wealth Builder

Ideal for customers planning large investments and long-term financial growth.

Premium Advantage Plan

Tailored for high-value financial goals and major investments. Experience premium financial growth and security.

View Detailed Chit Plans

A Straightforward Process Designed Around You.

Choose a Plan

Select the savings option that aligns with your financial goals.

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2

Become a Member

Complete a simple registration with essential documentation.

Save Every Month

Contribute regularly through secure and convenient payment options.

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Participate in Auctions

Receive opportunities to access funds through a transparent bidding process.

Move Closer to Goals

Continue building financial strength while enjoying the benefits of disciplined savings.

Because Trust Is Earned, Not Promised.

Every member deserves transparency, respect, and dependable financial services.

That's why every scheme we manage is built around ethical practices, professional management, and customer satisfaction.

Transparent Operations
Customer-Centric Service
Professional Management
Simple Documentation
Secure Financial Processes
Reliable Monthly Auctions
Technology-Driven Experience
Long-Term Partnership

Creating Stronger Financial Futures Through Disciplined Savings.

By combining traditional chit fund principles with modern technology, we provide a smarter way to save, invest, and achieve your financial goals.

Vision

To become the preferred financial partner for individuals and businesses seeking secure, transparent, and innovative chit fund solutions.

Mission

To empower every member with reliable savings plans that encourage financial discipline while delivering exceptional customer experiences.

What Our Members Say

Hear from families and business owners who have built their financial confidence with Imbu Shankar Chits.

"Imbu Shankar Chits helped me secure the down payment for my first home. Their transparency and professional approach gave me complete peace of mind."

R

Ramesh K.

Business Owner

"I've been a member for over 5 years. Whether it was for my daughter's education or a medical emergency, the funds were always available exactly when I needed them."

S

Sujatha Reddy

Homemaker

"Very reliable and prompt service. The monthly auctions are conducted fairly, and their staff is always helpful. Highly recommended for disciplined savings."

P

Prakash Sharma

IT Professional

Every Great Achievement Begins with a Smart Financial Decision.

Take the first step toward a stronger financial future with savings plans designed around your ambitions.

Start Saving Today
Secure Savings Built Around Your Future. Small Contributions. Significant Progress.
20+ Years of Excellence
Trust & Tradition

20+ Years of
Excellence

Building financial confidence for families and businesses across Bangalore.