SM Mini
Household₹5,000/ month
A small monthly for school fees, a two-wheeler, or a gold purchase. Easy to stay in.
- Chit value
- ₹1 L
- months
- 20 · 20 members
- Foreman 5%
- ₹5,000
- Illustrative prized amount*
- ₹65,000
- Illustrative dividend / member*
- ₹1,579
SM Chits
A known monthly, written terms, the same office that holds your property file.
Chits are a Tamil Nadu habit we run in the open: installment, duration, 5% foreman commission, auction discount shared as dividend. Not a lottery, and not a deposit.
SM Household
Popular₹10,000/ month
The desk’s most-joined ticket. Used as a disciplined down-payment pot for a flat or plot.
- Chit value
- ₹2.5 L
- months
- 25 · 25 members
- Foreman 5%
- ₹12,500
- Illustrative prized amount*
- ₹1.6 L
- Illustrative dividend / member*
- ₹3,125
SM Gold Chit
Gold-linked₹15,000/ month
Payout can be taken in cash or as a SM Gold purchase credit at the live rate on prize day.
- Chit value
- ₹4.5 L
- months
- 30 · 30 members
- Foreman 5%
- ₹22,500
- Illustrative prized amount*
- ₹2.9 L
- Illustrative dividend / member*
- ₹4,655
SM Land Chit
Plot savings₹20,000/ month
Built for a DTCP plot down-payment. We will not mix this with an unapproved layout.
- Chit value
- ₹8 L
- months
- 40 · 40 members
- Foreman 5%
- ₹40,000
- Illustrative prized amount*
- ₹5.2 L
- Illustrative dividend / member*
- ₹6,154
SM Premium
Home₹25,000/ month
A larger ticket for a house margin, marriage, or business working-capital cycle.
- Chit value
- ₹10 L
- months
- 40 · 40 members
- Foreman 5%
- ₹50,000
- Illustrative prized amount*
- ₹6.5 L
- Illustrative dividend / member*
- ₹7,692
SM Corporate
Business₹50,000/ month
For partners who want a known monthly instead of a working-capital line. Foreman terms in writing.
- Chit value
- ₹15 L
- months
- 30 · 30 members
- Foreman 5%
- ₹75,000
- Illustrative prized amount*
- ₹9.8 L
- Illustrative dividend / member*
- ₹15,517
*Worked at a 30% auction discount for illustration. Actual auction varies each month. Ask for the registered bye-law before you join.
How a month works
Every month, the same four lines.
- 01 — Subscription. Members pay the installment on the due date.
- 02 — Auction or lot. One member is prized. Auction discount is declared in the room, not later.
- 03 — Foreman 5%. Commission comes off the pot first. It is in the bye-law.
- 04 — Dividend. The discount is shared among the rest. Next month repeats until the last ticket.