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Founded by Praveen Jain, Jainsons Fraternity Fund is a registered chit fund company operating in full compliance with all government rules and regulations. We specialize in offering secure and transparent chit fund schemes that empower individuals to achieve their financial goals. As part of a reputable business group, which includes Ganpati Road Carrier PVT. LTD., Kanpur Carrier (Retail Outlet of BPCL), PSR Trans Logistics LLP, and Tune Truck Solution, we bring decades of leadership and expertise to build trust and reliability in every interaction. Our mission is to provide accessible financial solutions that prioritize community welfare, savings, and investment opportunities, while upholding the highest standards of integrity and transparency
The 40 Lakh Chit Group Scheme (30 Months) is a simple and effective way to save and access funds for personal or business needs. A group of members contributes a fixed monthly amount, and each month, one member receives the full fund through a lucky draw or request system. This transparent and secure scheme helps in disciplined savings, emergency funds, and flexible financial planning, while fostering community trust. With expert management and timely payouts, it ensures both borrowers and savers benefit efficiently. For enrollment or more details, contact +91 91512 22436.
A chit fund is one of the oldest and most trusted community-based saving and borrowing systems in India. The 40 Lakh Chit for 30 Months by Jainsons Fraternity Fund is a secure, transparent, and reliable way to manage your savings and access funds when needed. It helps members develop a disciplined saving habit while offering the flexibility of getting a lump sum during emergencies or business needs.
The 40 Lakh Chit for 30 Months is a structured savings plan designed to provide both financial security and flexibility. A group of 30 members participates in this scheme for 30 months.
Each member contributes a fixed monthly amount, which together forms the monthly pool of ₹40,00,000. Every month, one member receives the chit amount through a lucky draw or auction, while others continue their monthly contributions until all members have received their share once.
| Scheme Details | Description |
|---|---|
| Scheme Name | 40 Lakh Chit for 30 Months |
| Total Value | ₹40,00,000 |
| Duration | 30 Months |
| Total Members | 30 |
| Monthly Contribution (approx.) | ₹1,33,333 per member |
| Draw Method | Lucky Draw / Member Bidding |
| Maximum Commission | Up to 5% (as per chit fund norms) |
Formation of the Group: 30 members join the 40 Lakh Chit for 30 Months scheme.
Monthly Collection: Each member contributes ₹1,33,333 monthly, creating a total pool of ₹40,00,000.
Monthly Draw / Auction:
If only one member requests the payout, that member automatically wins for that month.
If multiple members request, a lucky draw decides who gets the chit for that month.
Payment to Winner: The selected member receives ₹40,00,000 (minus up to 5% service charge or discount).
Cycle Continuation: The process repeats monthly until all members have received the amount once.
Completion: After 30 months, all members will have received the chit amount, completing the cycle.
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| Month | Total Members | Monthly Contribution (each) | Total Pool | Winner’s Amount (Approx.) |
|---|---|---|---|---|
| 1 | 30 | ₹1,33,333 | ₹40,00,000 | ₹38,00,000 (after 5% deduction) |
| 2 | 30 | ₹1,33,333 | ₹40,00,000 | ₹40,00,000 |
| … | … | … | … | … |
| 30 | 30 | ₹1,33,333 | ₹40,00,000 | ₹40,00,000 |
Note: The 5% deduction covers operational and service costs, ensuring fair and transparent fund management.
Easy Savings: Encourages regular monthly savings and financial discipline.
Emergency Funds: Members can access lump-sum funds when needed.
Community Trust: Operates in a group system, promoting transparency and fairness.
Flexible Access: Chance to receive funds early through lucky draw or auction.
Transparent Management: Entire process is handled by a trusted chit fund company with clear rules.
Low Risk, High Reliability: Managed under legal and government-compliant guidelines.
Who Can Join: Any individual above 18 years with valid ID proof.
Required Documents:
Aadhaar Card
PAN Card
Passport-size Photograph
Bank Account Details
How to Enroll: Visit the nearest Jainsons Fraternity Fund office or contact us online to join the 40 Lakh Chit for 30 Months plan.
5% maximum commission applicable on chit amount.
Member contributions must be made monthly without delay.
Defaulting members may lose eligibility for draw participation.
The chit amount and tenure are fixed as per the scheme.
Transparency is maintained through lucky draw records and receipts.
We take pride in being one of the most trusted chit fund companies offering secure, transparent, and flexible chit fund schemes.
Government Registered: Fully compliant with legal standards.
Transparent Process: Every transaction is recorded and verifiable.
Flexible Plans: Different chit fund schemes to suit all budgets.
Timely Payouts: All winning members receive funds on schedule.
Professional Management: Decades of experience in handling community-based financial plans.
Jainsons Fraternity Fund ensures peace of mind, financial stability, and transparency at every step.
The 40 Lakh Chit for 30 Months plan is ideal for those looking to build disciplined savings while maintaining liquidity and flexibility. Whether you’re saving for future investments, emergencies, or business growth, this secure and transparent chit fund scheme ensures your money works for you.
For more details, contact Jainsons Fraternity Fund at +91 91512 22436 or visit our office in Nagpur to enroll today.
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Here’s a detailed comparison table for the 40 Lakh Chit Group Scheme (30 Months) versus other common investment options like mutual funds, gold, and fixed deposits:
| Feature/Aspect | 40 Lakh Chit Fund (30 Months) | Mutual Funds | Gold | Fixed Deposits (FDs) |
|---|---|---|---|---|
| Investment Type | Community-based savings & borrowing scheme | Market-linked investment | Physical/ETC investment | Bank deposit with fixed interest |
| Risk Level | Low to Moderate | Moderate to High | Moderate | Low |
| Liquidity | Medium (Monthly fund access via draw) | High (can redeem anytime) | Medium to High (depends on market) | Low to Medium (lock-in period) |
| Returns | Up to 5% effective savings/bonus depending on chit and lucky draw | Varies (market dependent, average 8-12%) | Varies (market rate) | Fixed (4-7% approx.) |
| Community Trust | High (transparent and monitored by company) | Low to Medium | Low | Medium |
| Ease of Access | Easy, small fixed monthly contributions | Easy (via broker/app) | Moderate (purchase & storage) | Easy (bank dependent) |
| Emergency Fund Availability | High (members can request early payout) | Low (depends on redemption) | Low to Medium | Low (penalty on premature withdrawal) |
| Discipline & Savings Habit | High (monthly contribution compulsory) | Medium | Low | Medium |
| Tax Benefits | No direct tax benefits | Depends on type (ELSS has benefits) | Capital gains tax applies | Interest taxable |
| Transparency | Very High (regulated, monitored by company) | Medium (depends on fund & AMC) | Low | High |
The 40 Lakh Chit Fund (30 Months) stands out for disciplined savings, easy access to funds in emergencies, and strong community trust. Unlike market-dependent returns in mutual funds or gold, it offers predictable monthly contributions and transparent payouts, making it ideal for members seeking both savings and borrowing options without relying solely on banks or volatile markets.
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Disclaimer The schemes mentioned on this website are chit fund plans offered by Jainsons Fraternity Fund Pvt. Ltd. All investments are subject to terms and conditions of the respective chit fund agreement. The returns and payouts depend on the monthly contributions, lucky draw results, and compliance with the scheme rules. Jainsons Fraternity Fund ensures transparency and legal compliance; however, past performance does not guarantee future results. Members are advised to read the full scheme document carefully before enrolling.
The 40 Lakh Chit for 30 Months plan is a saving and investment program offered by a trusted chit fund company. It allows members to contribute monthly and bid through a transparent chit fund scheme to access lump-sum funds. This secure chit fund helps individuals manage savings, meet business needs, or handle emergencies efficiently.
This secure chit fund stands out because it offers guaranteed transparency, fixed timelines, and community-based trust. Unlike mutual funds or recurring deposits, chit fund schemes provide both savings and borrowing opportunities in one plan. Our chit fund company ensures complete clarity in every transaction, making it a transparent chit fund scheme for disciplined investors.
Yes, you can easily join this online chit fund from anywhere. Our chit fund company has made registration simple and paperless. You can explore transparent chit fund schemes, check your group details, and monitor your contributions digitally. It’s a secure and flexible way to start saving or investing without visiting a physical branch.
Jainsons Fraternity Fund is a reputed chit fund company known for its secure chit fund operations and transparent chit fund schemes. We ensure timely payments, fair auctions, and complete documentation. If you’re searching for trusted chit funds near me, this 40 Lakh Chit for 30 Months plan offers the perfect balance of safety, flexibility, and returns.
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