How KittyPay works
A kitty is a group savings circle: everyone contributes the same amount each month and one member receives the pooled amount, in an order everyone can see.
Your admin sets up the group
Members, monthly contribution, start month, due date and the holdback % for each month.
The payout order is fixed
Chosen manually or by a one-time secure random draw. Once confirmed, it is shared with all members and locked.
You pay outside the app
Scan the group QR or use the UPI / bank details, then submit your transaction reference (UTR) and optional screenshot.
The admin verifies
Only verified payments count towards the month’s collection. Rejected submissions come back to you with a note.
The payout is recorded
The admin approves the payout, transfers the money outside the app and confirms it with a reference. It is never marked paid automatically.
Illustrative example
Calculated from current default settings5 members contribute ₹5,000 each per month for 5 months. Monthly collection: ₹25,000. Each member contributes ₹25,000 in total; the group contributes ₹1,25,000.
| Month | Monthly collection | Recipient | Holdback | Recipient receives |
|---|---|---|---|---|
| Month 1 | ₹25,000 | Member A | ₹625 (2.5%) | ₹24,375 |
| Month 2 | ₹25,000 | Member B | ₹500 (2%) | ₹24,500 |
| Month 3 | ₹25,000 | Member C | ₹375 (1.5%) | ₹24,625 |
| Month 4 | ₹25,000 | Member D | ₹250 (1%) | ₹24,750 |
| Month 5 | ₹25,000 | Member E | ₹0 (0%) | ₹25,000 |
About holdbacks
Earlier recipients get their payout sooner, so a small configurable percentage is held back from their payout. The final month is 0% by default. Holdbacks are recorded as accounting entries in a ledger visible to administrators — KittyPay itself never holds money.
After your payout
Every member keeps contributing every month until the cycle ends — including after receiving their payout.
Missed payments
Contributions not verified by the due date are marked overdue. The group administrator will contact the member; payouts may be placed on hold until the shortfall is resolved.
Disputes & corrections
Raise disputes with the group administrator within 7 days. Corrections are recorded as new entries with a reason — verified records are never deleted.
KittyPay is a record-keeping tool. It is not a bank, payment processor or deposit-taking entity and never holds or transfers money. Holdbacks shown in KittyPay are accounting entries, not balances held by the app.