Mala Gurudharmam Chits Ltd

Our Chit Funds are indigenous financial institutions in India that combines credit and savings in a single scheme. In a chit fund scheme, a group of individuals come together for a predetermined time period and contribute to a common pool at regular intervals.The non prized subscriber who is a saving member up to the last installments gets dividend which is comparatively higher than the interest that are accrued by way of Recurring Deposit Schemes.

Our Services


Personal loan, a loan to meet your current financial needs, is also referred to as an unsecured loan as there is no security against it. It is usually taken by borrowers who are looking for quick and easy loans with manageable interest rate and minimum documentation.


Businesses require an adequate amount of capital to fund startup expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. A business loan is debt that the company is obligated to repay according to the loan's terms and conditions. We offer Business Loans that allow customers in Micro Small and Medium sector to meet all their enterprise needs with flexible borrowing options.


Promissory note is a written promise to pay a debt. It is a financial instrument, in which one party (maker or issuer) promises in writing to pay a determinate sum of money to the other (the lender), either at a fixed, determinable future time or on demand of the payee subject to specific terms and conditions. We provide Pro-note loan upto 1-lakh with guarantee of 2 employed persons.


Loan Against Property can get you a higher loan amount for your business or personal needs with the benefit of lower EMI. With easy documentation, speedy approvals and flexible repayment options.

SERVICES (All schemes are charted under Chit/Kuri)

  • Chitty Loan
  • Vehicle Loan
  • Personal Loan
  • Trade Finance
  • Housing Loan
  • PPassbook Loan
  • Fixed Deposit Loan