Finlok App digitises savings groups; locally known as – bhishi, committee, beesi, chitty or kitty (to understand this read our post). Finlok App makes savings groups secure, transparent, convenient and hassle-free

Why you should use finlok

Bring Your Bhishi Online and be tension free

Convenient & Hasslefree

Finlok removes all the hassles related to beneficiary selection, reminders, notifications and group management

Finlok Rewards

Finlok Rewards

Earn rewards on every transaction related to your saving group

Finlok Cares - Life and Permanent Disability Cover

Finlok Cares

Get free Life and permanent disability cover for all group members

Finlok - Secure and Trusted

Secure and digital payments

Finlok supports direct bank to bank payments so that members can pay from anywhere at anytime

Finlok Rating

Based on group behaviour and payment history Finlok generates a rating. In future helping us provide customised financial services.

Introducing Soon..

Gold on Finlok

Invest saved funds in Gold

Finlok removes all the hassles related to beneficiary selection, reminders, notifications and group management

Credit on Finlok

Credit

Finlok removes all the hassles related to beneficiary selection, reminders, notifications and group management

HOW TO USE FINLOK APP

Finlok Logo

1. Download and register on Finlok

Register on the Finlok platform providing mobile number, name and date of birth to develop trust within the Finlok community​

Create Finlok Group

2. Create Saving Group

Create savings groups by assigning an amount, payment cycle, payment date and the number of members for the group​

Invite members to Finlok Group

3. Invite members to your Saving Group

Simply select contacts from address book to invite members to your Saving Group.

4. Activate Groups

Your group activates either when the required number of friends join your group or you can activate your group once enough members have joined

Select beneficiary to Finlok

5. Select Beneficiary (Automated)

Finlok selects a beneficiary for the payment cycle.

Finlok payments powered by BHIM-UPI

6. Group Payments

Pay your share in Cash or digitally on Finlok. All payments are direct account to account transfers (powered by BHIM-UPI) without any funds being locked with Finlok​

step 5

7. Automated reminders and notifications

Finlok brings transparency, convenience and hassle free operations to the saving group through periodic reminders and notifications to all group members.

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