Chit funds
Small savings, big returns. Regular monthly savings that you can take as a lump sum when life needs it.
- Disciplined monthly savings
- Help for urgent needs
- For home, education, business and weddings
- Safe and transparent
★Trusted by thousands of families for 10+ years
Save today.Grow tomorrow.
Plan for
Chit funds, gold loans and microfinance for women. AROKK stands with families across Kumbakonam and the Kaveri delta for every financial need, big or small.
Registered company
Low interest
No hidden charges
Illustration
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Years of trust
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Families served
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Branches
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Financial services
Trust. Peace of mind. Goodness.
Our work is to grow every family's savings safely and honestly.
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Years as your trusted financial partner
About AROKK
Born in Kumbakonam,
grown on trust
AROKK Financial Services serves families, farmers, small traders and women entrepreneurs with chit funds, gold loans and microfinance, all under one trusted name.
To uplift the livelihoods of poor and middle-class families, especially women, help them realise their dreams, and enable them to live independently and with confidence.
To become the most trusted name in community finance across the Kaveri delta.
draft – confirm with client
TrustHonestyReliabilityGrowth
- Transparent operations
- Customer-friendly service
- Fast processing
- Long-term relationships
Branch openings
Opened with our community
Lighting the lamp, cutting the ribbon and welcoming our guests — moments from our branch openings.
Rooted in the Kaveri delta
Find your branch
Growing with the farmers, traders and families of the delta
From Kumbakonam to Kuthalam, AROKK stands beside the people who keep this land green, through every sowing, harvest and family milestone.
5Branches
10+Years
1000+Families
All in one place
Everything you need, under one roof
From savings to loans, for your family, business and farm.
Chit schemesMonthly savings
Gold loanCash in minutes
Women's loansGroups and individuals
Business loansShops and trade
Farm loansCrops and seasons
Livestock loansDairy and cattle
Low interestFair, clear rates
Instant approvalQuick decisions
Secure vaultYour gold is safe
Monthly dividendsPay less each month
Simple documentsBasic KYC only
Tamil-speaking staffLocal branch teams
Our services
One trusted name for every financial need
Whether you want to save, need cash today, or want to start a business, there is an AROKK plan built for you.
Gold loan
Instant cash for your gold. Let your worries go and get money in hand the same visit.
- Low interest rate
- High value per gram
- Cash in a few minutes
- 100% secure vault
Microfinance
When women progress, families progress. Special loans for small businesses and women's groups.
- For small business, farming, livestock
- Women's self-help groups
- Instalments that fit your income
- Business guidance and training
Small savings, big dreams
Every rupee you save today builds tomorrow
A chit turns steady monthly savings into a lump sum you can take when life needs it, with dividends that lower what you pay.
Plan your goalLife goals
A chit for every dream
Six common goals families across the delta save for with a chit.
Goal planner
Plan your goal in seconds
Choose your goal and the amount you need. See how much to save each month.
Time to save (months)
Save every month (approx.)
₹0
How your savings build up over time
Suggested chit:
Join this plan
Calculated before dividends. Your actual monthly payment is usually lower.
4 simple steps
How does a chit work?
1
Join a group
Choose a chit value and duration that suits your budget.
2
Pay monthly
A fixed monthly subscription, reduced every month by dividends.
3
Bid when you need
In each monthly auction, the member offering the highest discount takes the chit.
4
Receive your money
After surety verification, the prize amount is paid to you.
This month's winner takes₹0
Received
This month
Waiting
See your chit in action
Pick a chit value and move through the months to see how dividends lower what you pay.
Chit value
Monthly subscription
Auction discount this month
Dividend to each member
You pay this month
Illustration with sample figures. Real discounts depend on each month's auction. Foreman commission shown at 5%.
Benefits of chit savings
Chit savings. A better future.
You save, we support. Here is why families across the delta choose chits.
Disciplined savings
Regular saving builds strong money habits.
Help when it's urgent
Bid for your chit when an emergency or plan comes up.
Fuel your growth
Make home, education, business and wedding dreams real.
Grow together
Progress alongside a trusted group of members.
Safe and reliable
Chits run openly under the Chit Funds Act, 1982.
Gold loan
Your gold is your strength in an emergency
Get instant cash against your jewellery. Your ornaments stay sealed in our secure vault until you take them home again.
Check how much you can getGold loan
Instant gold loan, low interest
Need instant cash? Pledge your jewellery, get money in minutes, and redeem it easily when you are ready.
Low interest rate
High value per gram
Instant approval
Secure gold vault
No hidden charges
Cash in minutes
Documents:
Aadhaar / Voter ID
Address proof
Passport photo
How much can your gold get you?
Approximate loan amount
₹0
sample rate Final amount depends on valuation at the branch.
Enquire for gold loanBring your jewellery
Walk into your nearest branch with your gold.
Show your KYC
ID proof, address proof and a photo.
Free valuation
Your gold is tested and weighed in front of you.
Cash in hand
Money is paid to you right after approval.
Microfinance for women
When women progress, families progress
Small loans, group support and training that help women in the delta turn their skills into steady income.
Explore microfinance5 women · 1 group · shared guarantee
Your trust is our responsibility. Your progress is our goal.
When women progress, families progress. When families progress, society progresses.Microfinance for women
Turning women's dreams into thriving businesses
Microfinance
Loans for small business, trade, farming, livestock and shops.
Loans for women
Special schemes for self-help groups and individual women entrepreneurs.
Flexible repayment
Easy monthly instalments that match your income.
Ongoing guidance
Financial management, business growth training and counselling.
Higher income
Families prosper
Poverty reduced
Women advance
Respect in society
Your money is safe
Built on safety and trust
Hover or tap each card to see how we protect your money.
Registered chit company
Tap to learn ↻Registered by law
AROKK Financial Services is registered under the Chit Funds Act, 1982.
Security deposit
Tap to learn ↻For every group
As the Act requires, the company deposits security with the Registrar for every chit group it runs.
Open auctions
Tap to learn ↻In front of members
Auctions are held in front of members and every result is recorded.
Secure gold vault
Tap to learn ↻Your jewels, protected
Pledged jewellery is sealed and kept in a secure vault until you redeem it.
Why AROKK
Why families choose AROKK
01
Trusted company
More than 10 years of trust from thousands of families.
02
Low interest
Fair, clearly explained interest rates on every loan.
03
Fast processing
Simple documents and quick approvals.
04
Women-friendly
Dedicated schemes for women's groups and entrepreneurs.
05
Honest and transparent
Every auction and every charge is shared openly.
06
Customer first
Local staff who know your town and speak your language.
From the temple town
Kumbakonam values: honesty, thrift and community
We grew up among these temples and fields. The same values guide every chit, loan and receipt at our branches.
Our storyChit schemes
Pick a scheme that fits your budget
Sample schemes – replace with AROKK's actual schemes
| Chit value | Duration | Monthly subscription | Members |
|---|
Your monthly payment reduces after every auction as dividends are shared.
Ask about a schemeCustomer stories
What our customers say
Sample text – replace with real customer testimonials
A bright start
Every branch begins with a lamp lit for our members
Five branches across the delta, each opened with prayers for the prosperity of the families we serve.
Find a branchOur branches
Visit your nearest branch today
Illustrative map, not to scale
Learn with AROKK
Guides for smarter money decisions
A chit is a group savings and borrowing scheme. Every member pays a fixed amount each month, and each month one member takes the full amount through an auction.
Registered chit companies operate under the Chit Funds Act, 1982. The company must deposit security with the Registrar for every chit group it runs.
The discount given up by the auction winner, minus the foreman's commission (capped at 7% by law), is shared equally among all members.
Visit your nearest branch or call us. You can join a suitable group with basic KYC documents.
ID proof (Aadhaar or Voter ID), address proof and one passport-size photo.
Members of women's self-help groups, individual women entrepreneurs and small business owners.
Get in touch
Take the first step towards your dream today
Share your details and our team will reach you on WhatsApp.
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Nothing opened? Write to us at arokkfinance@gmail.com.