Catalogue of Chit ERP + Auction + Accounts + Customer Platform + AI. Items marked In product are available today; Roadmap items are designed to layer on safely as modules.
Live Auction + Customer 360 + Chit 360 + Digital Passbook + Razorpay + WhatsApp + Complete Accounts + Collection App + Customer Portal + 50+ Reports + AI Ask iChitty + AI Collection Forecast + Compliance Engine + Maker/Checker + Audit Centre + Group Simulator + Chit Health Score.
Mandates, recurring debit, failures, retries, bounce charges, UPI AutoPay-ready.
Live hall, increments, eligibility, locking, participant count, audit trail, result approval.
GPS routes, map nav, geo receipts, offline sync, cash handover.
Vacant, reserved, foreman-held, transferred, allotted — with financial impact.
Simulate cash flow, commission, dividend, prize liability and break-even before launch.
Commitments across chits, delay, liability, prized exposure, risk indicators.
Property, deposit, guarantor; valuation, custody, release, liability compare.
Winner → docs → security → approve → bank → pay → accounts; maker-checker.
Paid → Gateway → Settlement → Settled / Failed / Refunded / Chargeback states.
Maker/checker, period lock, branch consolidate, bank recon, consolidated FS.
Forecast daily/weekly/monthly collection; flag likely misses.
Natural language: unpaid this month, tomorrow collection, branch overdue, prize liability.
Instalment-wise subscription, dividend, payment, prize, receipts.
Sensitive ops: auction close, prize pay, cancel, replacement, adjustments.
Who changed what, old/new, IP, time, approval, reason.
Razorpay, SMS, WhatsApp, KYC, accounting — logs and retries.
Safe training data — no real accounts touched.
How to Use tours: first chit, first collect, first auction — multilingual.
One box: mobile, customer, receipt, group, ticket, Razorpay, auction, voucher.
My Chits, Pay Now, passbook, receipts, auctions, multilingual.
Assigned customers, GPS, offline collect, QR scan, receipt share, targets.
Filings, docs, reminders, evidence; state rules configurable.
0–100 group score from collection, overdue, vacant tickets, prize liability — with explanations.
Filter by status or jump to a category. Core collection, auction, and accounts stay unchanged — these extend the platform.
Templates, subscriber docs, version history, eSign readiness, witnesses, QR verification.
Visual customise receipts, agreements, notices, auction minutes without PHP changes.
PAN/Aadhaar hooks, CKYC-ready, bank verify, duplicates, nominee/guarantor KYC, expiry alerts.
Total guaranteed exposure, active guarantees, documents and risk concentration.
Link related accounts voluntarily; separate ledgers and permissions.
Mandates, recurring debit, failures, retries, bounce charges, UPI AutoPay-ready.
Import CSV/feeds; match collections, settlements, prize payments; exception queue.
Paid → Gateway → Settlement → Settled / Failed / Refunded / Chargeback states.
Inventory, deposit, clearance, bounce, re-present, replacement and charges.
Live hall, increments, eligibility, locking, participant count, audit trail, result approval.
Unusual patterns, last-second bids, shared device/IP — AI flags for review, never auto-accuse.
GPS routes, map nav, geo receipts, offline sync, cash handover.
Split one payment across overdue, current, penalty and advance with authorised override.
Call outcomes, promises, reminders, missed-promise alerts, full timeline.
Ageing buckets, recovery stages, notices, legal refs, settlement workflows.
Target vs collection, visits, recovered overdue, promises, cash difference.
Assigned customers, GPS, offline collect, QR scan, receipt share, targets.
Old→new history, financial calc, approvals, docs, immutable audit.
Vacant, reserved, foreman-held, transferred, allotted — with financial impact.
Simulate cash flow, commission, dividend, prize liability and break-even before launch.
Commitments across chits, delay, liability, prized exposure, risk indicators.
0–100 group score from collection, overdue, vacant tickets, prize liability — with explanations.
Property, deposit, guarantor; valuation, custody, release, liability compare.
Winner → docs → security → approve → bank → pay → accounts; maker-checker.
Maker/checker, period lock, branch consolidate, bank recon, consolidated FS.
Ledger mapping and export/API for external books alongside iChitty.
Forecast daily/weekly/monthly collection; flag likely misses.
7/30/60/90 day cash position from dues, prizes, expenses.
Natural language: unpaid this month, tomorrow collection, branch overdue, prize liability.
Receipt cancels, backdates, duplicates, cash differences, odd auctions.
Daily summary: collection, target, overdue, auctions, prizes, cash, alerts.
Personalised reminders in Tamil, English, Kannada, Telugu, Hindi.
Balance, due, receipt, statement, auction, pay link — authenticated.
Scan QR → Customer 360, dues, chits, payment screen.
Instalment-wise subscription, dividend, payment, prize, receipts.
Category, priority, SLA, conversation, escalation.
My Chits, Pay Now, passbook, receipts, auctions, multilingual.
Choose fields, filters, grouping; save custom reports beyond 50+ fixed.
Auto email/WhatsApp-compatible daily/weekly/monthly to management.
Collection %, overdue, auction, growth, prize pending, productivity.
State/district/branch hierarchy for 20–100 branches.
One box: mobile, customer, receipt, group, ticket, Razorpay, auction, voucher.
Approve prize, auction, cancels, expenses, transfers from phone.
Filings, docs, reminders, evidence; state rules configurable.
Define Entry → Manager → Accounts → Payment per company.
Extra customer/chit/auction/collection fields without code.
e.g. 7 days overdue → WhatsApp; 30 days → manager alert.
Sensitive ops: auction close, prize pay, cancel, replacement, adjustments.
Who changed what, old/new, IP, time, approval, reason.
Duplicates, refunds, cancel patterns, login anomalies.
Trusted devices, 2FA/OTP, login history, IP restrictions.
Consent, masking, retention, access logging, RBAC.
Encrypted backups, verify, restore testing, RPO info.
Collect/lookup offline; sync with conflict and duplicate protection.
Razorpay, SMS, WhatsApp, KYC, accounting — logs and retries.
DB size, cron, API/WhatsApp failures, queues, storage, version.
tenant.ichitty.in, logos, packages, renewals, central tenants.
Safe training data — no real accounts touched.
How to Use tours: first chit, first collect, first auction — multilingual.
Excel import: customers, dues, groups, prized members, opening balances.
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