Group savings, but make it a game.
Chit funds are basically a centuries-old group-chat money pot with an auction built in. Run one yourself with play credits and see exactly how the bidding, prizes, and dividends work.
Start a chit, get your friends (or randoms) to join, and every "month" it's auction time: whoever needs funds bids the biggest discount to win the pot. Everyone else who's still in the game splits the savings as a dividend. Rinse, repeat, until everyone's had their turn.
Pot size₹1,00,000
Squad size20 members
Monthly buy-in₹5,000
Highest bid rn 🔥₹18,400 off
Winner walks with₹81,600
Foreman's cut (5%)₹5,000
Everyone else gets+₹704 each
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