Engineered For Accuracy.
Designed For Trust.
Every feature in Dhurmit was designed from direct interviews with committee organizers, Dhukuti leaders, and ROSCA treasurers. Here is how our system protects your community from disputes.
Smart Country, Currency & Native Calendar
Community committees span the globe—from Nepal's vibrant Dhukuti circles to India's Chit Funds, Kenya's Chamas, and Latin America's Tandas. Dhurmit dynamically adapts to your locale.
- Zero Hardcoded Data: Dynamic geocoding service via OpenStreetMap detects regional standards, telephone formatting, and locale currencies.
- Dual Calendar Synchronization: Seamlessly toggle and record cycles using native local calendars (like Bikram Sambat BS) and international Gregorian dates.
- Local Currency Symbols: Formatted with appropriate thousand separators (e.g. South Asian Lakh/Crore systems vs Western millions).
No complex setup. Enter your phone number and committee code to audit your savings ledger.
Separate Roles for Organizers and Members
Organizers need comprehensive power to manage members, draw lottery turns, apply late penalties, and generate statements. Members only want to see their own status and the committee's health without touching settings.
- Organizer Control Center: Full oversight of total pool collections, overdue members, rotation schedule, and payment confirmations.
- Lightweight Member Bottom Sheet: Members click "Join as Member" directly on the welcome screen to open an intuitive bottom sheet that verifies their history.
- No Accidental Edits: Read-only cryptographic verification prevents members from unintentionally altering ledger entries.
Paisa Precision & Automated FIFO Arrears
Most accounting apps fail at ROSCAs because they use floating-point numbers or lack automated arrears sequencing. Dhurmit implements banker-grade mathematical rules.
- BigInt Storage (Smallest Unit): All financial values are stored in whole integer paisa/cents.
रू 10,000is recorded as1000000paisa, guaranteeing 0.00% precision drift. - First-In, First-Out (FIFO) Arrears: If a member owes for Month 2 and Month 3, a new deposit automatically satisfies Month 2 first, preventing dispute over interest or late fines.
- Transparent Status Indicators: Each cycle for each member carries an unambiguous status badge: Paid on Time, Paid Late, Overdue, Partial, or Upcoming.
Instant Performance, Even With Zero Reception
Organizers often collect cash on the go—inside noisy fruit markets, underground basements, or rural mountain tea stalls where cellular coverage drops. Dhurmit is built local-first.
- Instant SQLite Operations: Record payments, update notes, and generate receipts with zero network lag.
- Conflict-Free Replication: When internet is restored, local updates merge cleanly using deterministic state timestamps.
- Battery & Data Efficient: No endless polling or heavy background battery drain.
Automate Member Receipts & Group Accountability
Keep your entire WhatsApp or Viber group informed with verifiable digital statements.
1-Tap WhatsApp Receipts
Whenever you mark a payment, generate an exact receipt link or WhatsApp text block detailing the cycle number, amount credited, and balance remaining.
Pre-Due Courtesy Reminders
Polite, automated alerts sent 3 days before rotation due dates. Avoid awkward phone calls and keep the group cash flow punctual.
Full PDF & Excel Exports
Generate print-ready ledger sheets with one tap. Ideal for annual committee general meetings, audits, or archival printing.