How Dhurmit Works:
From Formation to Final Payout
Whether you are managing a 10-person family circle or a 30-member business trader Dhukuti, here is how Dhurmit brings order to your rotating savings.
Run Your Committee in 4 Easy Steps
Eliminate the anxiety of misplaced notes and manual bookkeeping.
Configure Group
Select your country during onboarding. Dhurmit configures your currency, time zone, and calendar (Bikram Sambat BS or Gregorian). Set cycle frequency (monthly, bi-weekly, or weekly) and fixed contribution amount.
Add Members
Input trusted community members with their phone numbers or share your unique 6-digit Committee Join Code so they can sync from their own devices.
Set Rotation Turn
Assign payout order via mutual agreement, fixed lottery sequence, or bidding round. Every participant knows their exact scheduled payout date upfront.
Log & Distribute
As members pay via physical cash or bank transfer, tap to mark them "Paid on Time", "Paid Late", or "Partial". Dhurmit automatically allocates funds, calculates penalties, and generates WhatsApp receipts.
Zero Hassle: Join via Bottom Sheet
Members don't need to configure complex settings. You only need 30 seconds to audit your dues.
Tap "Join as Member"
Open the Dhurmit app and click the dedicated member link directly on the home screen. A clean bottom sheet slides up immediately.
Enter Phone & Code
Enter your registered mobile number and the committee join code provided by your organizer. No complicated passwords required.
Instant Truth & Transparency
View your payment history, upcoming deadlines, outstanding fines (if any), and exact rotation turn. Zero doubts, zero disputes.
Paper Register vs Dhurmit Digital Ledger
See the mathematical and operational differences side-by-side.
| Capability / Feature | Paper Notebooks / Excel | Dhurmit Digital Ledger |
|---|---|---|
| Decimal Precision | Rounding errors accumulate; lost fractions | BigInt Paisa Precision (0.00% Drift) |
| Offline Usability | Physical book needed; damage or loss risk | 100% Offline SQLite; auto-syncs |
| Arrears Settlement | Manual confusion over penalties vs principal | Automatic FIFO Arrears Sequencing |
| Member Access | Members must ask organizer for photo copies | Instant Member Bottom-Sheet Portal |
| Receipt Generation | Hand-written slips or manual SMS typing | 1-Tap Pre-Formatted WhatsApp Receipts |
| Auditability & Security | Easily altered, torn, or lost pages | Cryptographic state checks & tamper-evident logs |
| Custodial Risk | Cash held in physical envelope | Pure software ledger (Zero custody risk) |
Ready to Modernize Your Committee?
Download Dhurmit today and set up your first circle in under 3 minutes.
Download on Google Play