Finlok Bhishi (भीशी) Groups: Save - Bid - Borrow ™

Finlok is India’s 1st Group Savings app modelled on lilav bhishi, VC, committee or chit funds. Finlok helps you save a lump sum, earn healthy returns on their savings and bid to borrow funds when needed.

Finlok gives the convenience of saving from the comfort of your home to deposit and borrow money whenever required
Timely payment reminders make it easier to start investing
Lilav Bhishi:
Bhishi has always been a popular concept in more than 90 countries. In India its known by various names like BC, bhishi, chit fund, committee, chitty, kurries or money pools. You will be able to enjoy all the risk-free benefits of bhishi
Since Finlok is online all the time, you will be updated about all the group activities as soon as it happens. We have digitized the concept for you!
You will be able to set a realistic goal for any major expenses by planning it via Finlok and saving for the same
Finlok helps you with financial planning since you are required to save a fixed amount set by you per month

Why Finlok is the app for group savings?
1. 100% Secure, Legal, Transparent, Easy & Convenient
2. A simple product that allows users to save, earn a return as well as borrow under one roof!
3. Borrow at a lower interest compared to any other financial product
4. Group members decide the rate of borrowing through bidding (auction/lilav)
5. Create a saving discipline for financial freedom by saving from the app. Live debt free!
6. Completely safe operated as per Chit Fund Act of India
7. Earn handsome returns with systematic investments without facing any market risks
8. You have the flexibility to select the plan as per your budget and financial goals
9. Automated reminders and notifications at each step of the way
10. Special Rewards for the members who pay timely.

What Finlok offers you?
1. Convenience:
Allows group members to stay updated, informed and make timely payments towards their groups online - any time, anywhere
2. Security:
User data and group behaviour is completely secure and is not shared with any party.
3. Transparency:
Each member of the group is informed about all updates related to their bhishi group and finances
4. Finlok Rewards Program:
Save with Finlok and earn rewards for timely payment and referrals.

How we operate Savings Groups?
. Work with reputed and verified partners to invest in savings groups in a 100% legal manner
. Strict due diligence of all members to ensure smooth functioning of savings groups
. Active support to online users at all times through customer care over email.

*** Currently, registration on halt as new chit group registrations by Registrar office in Maharashtra has suspended. We are only allowing active users to login. We will notify you once we will resume new group registrations.

Finlok cannot help you -
. If you are looking for instant loan
. If you are unable to commit to invest each month

Media Coverage:
Economic Times -
Mumbai Mirror -
Your Story -
Indian Express -

Security & Protection of Privacy:
Data security & privacy is a top priority at Finlok. Our Backend APIs comply with mandated security standards and robust protocols.
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What's New

Introduce quick settlement Option
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Additional Information

August 10, 2020
Current Version
Requires Android
4.1 and up
Content Rating
Offered By
Janmitr Solutions Pvt. Ltd.
G31, Ashoka Mall, Bund Garden Road, Pune - 411001
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