Disciplined saving. Guaranteed payout.
Dhanam Nivesh runs transparent, government-registered chit groups — every instalment logged, every auction open, every rupee accounted for in a passbook you can hold.
Dhanam Growth · Passbook
Group DG-114
Instalment paid
Apr 2026
Dividend credited
May 2026
Instalment paid
Jun 2026
Auction won — payout
Jul 2026
Chit funds have a trust problem. Our books are the answer.
We know the industry's reputation. So every part of how we operate is designed to be checked, questioned, and verified — not just taken on faith.
Registered under Chit Funds Act, 1982
Every scheme filed and sanctioned with the Registrar of Chits, Maharashtra.
Government-verified foreman
Chit auctions conducted with a licensed foreman and statutory security deposit.
Independently audited books
Annual accounts audited by a chartered accountant, available to every subscriber.
Physical branch, real people
Walk into our Nagpur office — no faceless call centre, no app-only promises.
One structure, four ways to use it
A chit group is a simple mechanism. How you use it depends on what you're saving toward.
Monthly Chit Groups
Fixed-tenure groups where members contribute monthly and one member draws the pot each month, by auction or lottery.
Auction-Based Bidding
Transparent, in-person bidding decides the monthly payout — every discount is logged and shared as dividend.
Business Capital Chits
Higher-value groups sized for shopkeepers and small business owners who need lump sums on a known date.
Family Milestone Chits
Plans timed against weddings, education, and home renovation — built around your calendar, not ours.
Sized for a first saving habit or a business milestone
Every plan runs on the same transparent auction. What changes is the group value and the tenure you commit to.
First-time subscribers
Nivesh Starter
₹1,00,000
Total chit value
- Tenure: 20 months
- Instalment: ₹5,000 / month
- Monthly auction · dividend to non-winners
Most subscribed
Dhanam Growth
₹5,00,000
Total chit value
- Tenure: 25 months
- Instalment: ₹20,000 / month
- Monthly auction · dividend to non-winners
Business & property goals
Dhanam Elite
₹10,00,000
Total chit value
- Tenure: 40 months
- Instalment: ₹25,000 / month
- Monthly auction · dividend to non-winners
Built for people who want more than a fixed deposit
A recurring deposit locks your money away with a fixed return. A chit gives you the same discipline, plus early access and dividend upside.
Discipline you can see
A fixed monthly commitment builds a saving habit that most bank RDs never enforce.
Lump sum, on your terms
Bid early for a large payout when you need it, or wait and let the dividend grow.
No collateral needed
Unlike most loans, a chit gives you access to funds without pledging property or gold.
Dividend on discount
The gap between the chit value and the winning bid is returned to every member, every month.
Told in their own words, not ours
“I used my Dhanam Growth payout to restock inventory before Diwali. The auction process was explained clearly, and the money reached my account within two days of winning the bid.”
“What I value is being able to walk into the branch and ask questions. My passbook entries always match what the office tells me — nothing has ever felt hidden.”
“I have run three chits with Dhanam Nivesh over the years. The registration certificate and audited accounts are on display at the branch, which is more than most lenders offer.”
What subscribers ask before joining
Straight answers about how a chit fund works and how your money is protected.
Yes. We are registered under the Chit Funds Act, 1982, with every scheme sanctioned by the Registrar of Chits before it opens for subscription. Our registration certificate is displayed at our branch and available on request.
Come in, call, or write — whichever you prefer
We're a physical branch first. Visit us in Nagpur, or reach out by phone or email and our team will get back to you.
- Phone
- +91 72191 64333
- Chat on WhatsApp
- +91 72191 64333
- Office hours
- Mon – Sat, 10:00 AM – 5:00 PMSunday: Closed
Start your first chit this month
Speak with our branch team, review the registration certificate, and pick a plan sized to your monthly capacity — no pressure, no hidden clauses.