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Chit fund companies · SMS marketing

Send the instalment reminder to a phone that does not always have data.

SMS marketing for a chit fund company means sending instalment due reminders and auction date notices by text message. It reaches a subscriber even without an internet connection, alongside WhatsApp for richer communication. GullySales sets up a reliable reminder schedule using both.

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Scope, fee, reporting and term are agreed in writing after we have read your brief and spoken to you.

Realistic editorial illustration of chit fund companies at work in India

What SMS marketing means

SMS marketing is short text messages sent to a customer's phone for time-sensitive updates such as an appointment reminder or a limited offer, read even without internet access. GullySales writes these messages short and keeps sends limited to what a customer would actually want to know.

Also for chit fund companies

Sales and marketing for chit fund companies, the overview.

Last updated 5 Oct 2026. Rules for this trade differ by state and professional body, and they change. We describe restrictions in general terms, so check the current position with your own council or adviser before you publish anything.

For chit fund companies

Where it usually goes wrong, and what we would do.

  • “SMS reaches subscribers WhatsApp reminders might miss”

    A subscriber in an area with patchy data coverage still receives a text message reliably, which WhatsApp cannot guarantee.

  • “A short, clear instalment reminder reduces late payments”

    A message stating the exact amount and due date, sent a few days ahead, gives a subscriber time to arrange the payment.

  • “Auction result notices build transparency”

    A text confirming the auction result and the next instalment amount keeps every subscriber informed without needing to ask an agent.

What we do

What we deliver for chit fund companies.

Every deliverable, what it covers for you, and the result it is there to produce. Nothing here is an extra.

  1. SMS instalment reminder schedule

    A text reminder stating the exact instalment amount and due date, sent a few days ahead through SMS.

    Result: A subscriber has time to arrange payment even without data access.

  2. Auction result confirmation texts

    A text confirming the auction result and the next instalment amount, sent immediately after each auction.

    Result: Every subscriber stays informed without needing to ask an agent.

  3. SMS and WhatsApp reminder pairing

    A combined schedule using both SMS and WhatsApp so a reminder reaches a subscriber regardless of their data access.

    Result: No subscriber misses a reminder due to how they use their phone.

  4. Low-connectivity subscriber list flag

    A flag on subscriber records for areas with patchy data coverage, so SMS is prioritised for them.

    Result: Subscribers most likely to miss WhatsApp still get reached reliably.

  5. Message template set for common notices

    Ready, approved text templates for instalment reminders, auction results and group updates.

    Result: Notices go out quickly and consistently without being rewritten each time.

How the result is measured

  • Delivery rate
  • Response rate
  • Enquiries from SMS

Recorded as a baseline before work starts, so every later report has an honest comparison.

Read the full SMS marketing page

Texts a subscriber should get

Six standard texts cover everything a chit fund subscriber needs to hear from the company.

Instalment reminder
Subscriber name, group name, the instalment amount, the due date and how to pay. Keep it to the facts, with a number to call if there is a problem.
Auction notice
Group name, the date, time and place of the auction, and how a subscriber who cannot attend can take part or be represented under the company's own rules.
Auction result
Group name, the result as the company records it, and the next instalment amount. Send it straight after the auction so no one learns the outcome second hand.
Payment received
Amount, date and receipt number for each instalment. A subscriber who holds this text has proof of payment without asking the agent.
Final instalment and closing
The last instalment date and the date the group closes, with the settlement steps. Subscribers who know the end date plan around it.
Sender name and stopping messages
Use one registered sender name and register message templates with your SMS provider under the telecom rules. Include a line on how to stop non-essential texts.

Who it is for

This is written for these chit fund companies.

  • Registered chit fund companies
  • Multi-branch chit fund groups
  • Chit fund companies focused on business and trader groups
  • Chit fund companies focused on wedding and life-event savings
  • Nidhi companies offering similar group savings schemes
  • Agent-led rural and semi-urban chit fund networks
  • Women's group-focused chit fund schemes

How it works

From your first message to the first report.

No open-ended retainer. Every step gives you something in writing.

  1. First

    Your brief

    You tell us what you need in a few short steps: your business, what you want, where enquiries come from and how they are handled.

  2. After the brief

    A conversation and a written scope

    We read it, then talk with whoever handles your enquiries. If you want our help, the scope, the fee and the reporting come in writing, and nothing starts before you have read them.

  3. Before work starts

    Baseline recorded

    The numbers this work is meant to move, such as enquiries, quotations, orders, visits or renewals, written down so every later report has an honest comparison.

  4. After the baseline

    The first fix goes live

    The fix we agreed to start with is put in place and measured against the baseline, whether that is a reply, a follow-up, a page, a listing or the handover between marketing and sales.

  5. As agreed

    Report against the baseline

    What moved, what did not, and what changes next, in plain words. How often you get it is set in writing before work starts.

  6. At renewal

    Renew on the numbers

    The term ends and you decide whether to continue from the results. The length is agreed in writing before anything starts.

How the SMS marketing work runs

  1. 1

    Understand where speed matters

    We identify the specific moments in your customer journey where a fast, near-certain message genuinely adds value.

  2. 2

    Audit current reminders and updates

    We check how these are currently handled and where a text message would improve reliability.

  3. 3

    Design the message set

    Templates are written for each identified use case, kept short and clear.

  4. 4

    Implement automated triggers

    Messages are set to send automatically based on relevant events, such as a booked appointment.

  5. 5

    Measure and refine

    We track delivery and any measurable outcome, such as reduced no-shows, and refine the message set.

Why us

Why owners pick GullySales over an agency.

  • Marketing and sales, as one job

    Most agencies stop at the enquiry. We also fix what happens after it: the reply, the follow-up, the quote and the CRM.

  • The person on the first call does the work

    No account managers in between. You are never handed to someone you have not met.

  • A baseline before anything starts

    Your numbers are written down on day one, so every later report compares against something honest.

  • The fee in writing, split three ways

    Our time, your media spend and production on separate lines. You always see what goes to us.

  • No guarantees we cannot keep

    The term is agreed in writing and never a default twelve months. We never promise a ranking or a lead count, because nobody controls those.

  • One office, and we say so

    Nagarbhavi, Bengaluru. We work across India by call and WhatsApp and travel when a session needs to be in person.

#257, 3rd floor, Sri Nanjundeshwara Complex, Nagarbhavi 8th Block, Outer Ring Road. How we work.

Your brief

Tell us what you need, and we will read it before we call.

Eight short steps about your business, what you want and who decides. Most questions are a tap, and you can skip any you would rather answer on the call.

Tell us what you needor call +91 80958 58589

FAQ

Questions owners ask before they call.

Not here? More answers, or ask on WhatsApp.

Tell us what you need
Is SMS still relevant given WhatsApp's popularity?
Yes, for reliability across all subscribers regardless of their data access, used alongside WhatsApp rather than instead of it.
How often should reminders go out?
A few days before each instalment is due, and immediately after each auction concludes.
Can we text a subscriber who has missed an instalment?
Yes, with a polite, factual message giving the amount, how to pay and a number to call if there is a difficulty. Avoid threats and never name the subscriber in a group message. Recovery steps follow your agreement and your legal adviser.
Should reminders go to the group or to each subscriber?
Send amounts and due dates to each subscriber individually. Use a group message only for general notices such as the auction date. One person's payment status should never appear where other members can read it.
How much does it cost?
There is no price list, because the work differs by business. The fee is scoped after we have read your brief and spoken to you, and put in writing before anything starts, split into our time, your media spend and production.
How long is the contract?
The term is agreed in writing after we have spoken, along with the fee and the reporting. It is never a default twelve months, and renewal is decided on the numbers against the baseline recorded at the start.
How soon will we see results?
It depends on the trade, the channel and what is already in place. After we have read your brief and spoken to you, we say what we would expect to move first and how it will be measured against the baseline. Nothing here is guaranteed.
Who will actually do the work?
The person you speak to before anything starts. We work from one office in Nagarbhavi, Bengaluru, with no account managers in between.
What do you need from us?
Your brief, and a conversation. After that, access to whatever this work touches, such as your website, your accounts or your enquiry record, and time with the people who handle your enquiries.
What if we are not happy with the work?
Tell us and the plan changes. Everything is reported against the baseline, so a number that is not moving is visible to both sides. The term is in your written scope, and the refund and cancellation policy sets out the rest.

From the blog

Further reading for chit fund companies.

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Everything else we would do for you.

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