⚡ SIMULATOR MODE — play credits only. No real chit fund runs here, nothing real changes hands. ⚡

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OnlineChitFund.sim is an educational simulator. It does not collect real payments, does not hold member funds, and is not a registered chit fund under the Chit Funds Act, 1982. All "₹" figures are virtual sim-credits used to demonstrate the bidding and dividend mechanics of a real chit fund.