Your whole finance business in one place
Chits and lending share customers, staff, and cash. Running them in one app means you finally see the whole picture.
Chits and loans together
Manage chit groups and your full loan book — daily, weekly, monthly, EMI, gold — in one platform instead of separate software for each.
One dashboard
See chit collections and loan collections side by side. Total cash position, outstanding, and overdue across both, in real time.
One staff team
The same field agents collect for chits and loans on the same routes, with one voice-entry workflow and one day book.
Recurring chit cycles
Track chit subscriptions and periodic collections with the same schedule engine that powers daily and weekly loan lines.
Unified collections
Cash and UPI for both chits and loans recorded together, with automatic PDF receipts and a full audit log.
Combined reporting
Profit & loss, officer performance, and cash flow across your whole business — chits and lending in one set of reports.
How chit + lending works with Vasool
Add chits and loans
Set up your chit groups and your loan products — daily, weekly, monthly, EMI, gold — in the same account.
Collect on one route
Agents collect chit subscriptions and loan installments together by voice, cash or UPI.
See it all live
One dashboard shows chit and loan collections, outstanding, and cash position in real time.
Report as one business
Combined P&L and cash flow tell you how the whole operation is doing, not just one half of it.
Why one app beats two systems
Plenty of finance businesses run chits and lending side by side — often for the same customers, on the same streets, with the same agents. But the software usually doesn't: a chit register here, a loan app there, and a third place where someone tries to add it all up. Cash gets reconciled twice, customers exist in two systems, and no single screen shows the true position of the business.
Vasool puts both in one app. A customer can hold a chit and a loan; an agent collects both on one route; and the office sees one combined cash position. Less double-entry, fewer reconciliation gaps, one source of truth.
It's one of the differentiators no typical vasool app offers — see the comparison page.
The full lending platform, plus chits
Bringing chits in doesn't mean a cut-down loan tool. You still get the complete platform — voice entry, every loan type, GPS staff tracking, photo proof, and reports — with chit operations running alongside on the same engine.
And like the rest of Vasool, you can white-label it and self-host it, so your combined chit-and-lending business runs under your brand on infrastructure you control.
What a combined chit + lending app needs
If you run both, look for an app that offers:
- Chit groups and all loan types in one account
- Shared customers across chits and loans
- One field route and one staff team for both
- Voice entry and UPI/cash for every collection
- A single dashboard showing combined cash position
- Combined P&L and cash-flow reporting
- Automatic PDF receipts and a full audit log