Financial services built for delta families
Chit funds to save, gold loans for urgent cash, and microfinance to grow a business. Explore each one in detail and pick what fits your family.
Chit funds: disciplined savings, money when you need it
In a chit group, every member pays a fixed amount each month. Each month one member takes the full chit through an auction, and the discount they give up is shared with everyone as a dividend.
Who is it for?
- Families
- Small traders
- Farmers
- Salaried people
- Parents planning fees
- Wedding savers
Find your scheme
Choose your monthly budget.
Sample schemesNo scheme in this range yet.
From joining to getting your money
Scroll down: each step lights up.
Choose a scheme
Pick a chit value and duration that match what you can save each month.
Complete KYC and join
Sign the chit agreement with your ID and address proof.
Pay every month
Pay your subscription at the branch or through the modes AROKK offers.
Monthly auction
Members who need money bid. The highest discount offered wins that month's chit.
Dividend shared
The discount minus commission is split equally, so everyone pays less next month.
Receive your prize money
Once your surety documents are verified, the prize amount is paid to you.
Take it early or wait?
Depending on when you take the chit, it works like a loan or like savings.
Sample auction pattern: discount starts at 30% and falls to 5% by the last month. Commission 5%.
Chit terms, made simple
Chit value
The total amount of the group, for example ₹1,00,000.
Subscription
The amount each member pays every month.
Auction and bid
The discount a member is willing to give up to take the chit that month.
Foreman commission
The company's fee for running the chit, capped by law at 7% of the chit value.
Dividend
The discount minus commission, shared equally by all members.
Prize amount
What the winner receives: chit value minus the discount.
Surety
A guarantee for your remaining instalments, such as a guarantor or documents.
Security deposit
What the company deposits with the Registrar for every group.
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.
Instant gold loan at a low interest rate
Pledge your gold jewellery and walk out with cash on the same visit. Your jewels stay sealed in a secure vault until you redeem them.
Documents you need
- Aadhaar or Voter ID
- Address proof
- Passport-size photo
- Your gold jewellery
Gold loan schemes
Sample – replace with AROKK's schemes, rates and limits
Quick gold loan
For short-term needs, with high value per gram.
- Tenure: 3–6 months
- Interest charged by the day
- Close it any time
Regular gold loan
For family and business needs, with a longer tenure.
- Tenure: up to 12 months
- Pay interest monthly
- Part-payment allowed
Farmer gold loan
For kuruvai and samba season expenses.
- Tenure matched to harvest
- Special interest rate
- Repay in one go after harvest
Loan and interest calculator
Sample rates ₹7,000/g for 22K and 1% interest per month. Final figures depend on valuation at the branch.
Jewellery we accept
*Gold coins are accepted within RBI limits.
How your jewellery is protected
Valued in front of you
Weight and purity are tested while you watch.
Sealed packet
Your jewels are sealed and tagged in your name.
Secure vault
Kept in a secure vault until you redeem them.
Insured storage
confirm with client
Charges, fully disclosed
No hidden charges. Ever.
Before you sign, our branch staff explain every charge on your gold loan — and the same figures are printed on your loan receipt. What we tell you is what you pay.
- Every charge explained before you sign
- All charges printed on your loan receipt
- Full charge sheet available at every branch
Annual Percentage Rate (APR) disclosure: A worked APR example including all charges will be shown here, as required for lenders and Google Ads financial-services policy. APR example pending
When women progress, families progress
Small loans, group support and training that help women in the delta turn their skills into steady income.
Microfinance for women: one group, many dreams
Join as a group of five women, borrow with a shared guarantee, and get training and guidance along with your loan.
What can the loan fund?
- Shop or trade
- Livestock, dairy
- Farming
- Tailoring, crafts
- Small income ventures
- Business expansion
Loan products
Amounts and tenures to be confirmed by the client
Income generation loan
For joint liability groups of 5 women.
Women entrepreneur loan
For women running their own business.
Small business loan
For shops, trade and service businesses.
Farm and livestock loan
For crops, dairy cattle and poultry.
How group lending works
Form a group
5 women from the same area.
Group training
Loan rules and money basics.
Verification
Home visit and KYC check.
Loan disbursal
Paid to each member directly.
Repay at centre meetings
Instalments that fit your income.
Am I eligible?
Each condition ticks as you scroll.
- Woman applicantFor group and individual loans
- Age limitconfirm with client
- Household income up to ₹3 lakh a yearAs per the RBI microfinance definition
- Valid KYCAadhaar or Voter ID
- Lives near a branchKumbakonam and surrounding areas
Instalment calculator
Sample 22% a year on reducing balance.
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.
Compare our servicesCompare
Which one is right for you?
| Chit fund | Gold loan | Microfinance | |
|---|---|---|---|
| Best for | Planned savings with access to a lump sum | Urgent cash needs | Growing a woman-led business |
| How fast you get money | The month you win the auction | Same visit, in minutes | After group training |
| Security needed | Surety when you take the prize | Gold jewellery | Group guarantee |
| Tenure | 20–40 months (sample) | 3–12 months (sample) | 12–24 months (sample) |
| Earns dividends | – | – | |
| Training and guidance | – | – |
FAQs
Questions, service by service
Registered chit companies work under the Chit Funds Act, 1982, and deposit security with the Registrar for every group they run.
Yes. All members pay until the chit ends. That is why surety is taken when you receive the prize amount.
You receive the chit in the final month, minus only the commission. With the dividends you earned along the way, it works like a savings plan.
Late payment rules to be confirmed by the client
It depends on the weight, purity and the day's rate per gram. Use the calculator above for an estimate.
Yes. Pay the interest for the days used and redeem your jewellery at any time.
You will get notices first, and you can renew by paying the interest. Auction is only the last resort.
Confirm payout modes with the client
A group of 5 women who guarantee each other's loans, so no collateral is needed.
At the centre meeting in your area, in front of an AROKK staff member.
Speak to your branch manager or call us. Grievance officer details will be published on the website.
Get in touch
Take the first step towards your dream today
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