Everyone has dreams in the world, but there is a lot of passion to fulfil it, If passionate person get the support of money with true efforts, then he definitely achieves his dreams. So download now SMART BHISHI APP and see all your and your dear ones' dreams come true

▪ Bhishi benefits
The best way to save your money
You get bulk amount for business and any idea
You pay a small amount every month
No documents needed
No interest rate
No hard and fast rules
Start saving money anywhere, anytime
You just download the smart bhishi app on your phone and create a bhishi group.
Basic bhishi

▪ Required
1. All members need to download the Smart bhishi app.
2. The group must have at least 6 members.
3. Group Manager will manage all types of data records.

▪ FOUR TIMES OF BHISHI
1.BASIC BHISHI
2.LILAV BHISHI
3.INTEREST BHISHI
4.BASIC WITH INTEREST BHISHI

▪ BASIC BHISHI
1. Basic bhishi has a lucky draw every month.
2. There will be a lucky draw on the day decided by the group each month.
3. The amount of lucky draw depends on the members of the group. {Suppose this group has rs5,000 per week and the group has 10 members then the amount of lucky draw will be 50,000.
4. Each member of the group will have the same weekly.
5. The validity of a group depends on the members of the group {Suppose a group has 10 members then the validity of that group is 10 months.
6. Each member has to submit the admin week before the meeting date.
7. The week that bounced will have to pay the penalty amount decided by the group.
8. The total penalty amount will be distributed to all members at the end of the group.

▪ LILAV BHISHI
1. Auction bidding is done every month.
2. Bids will be played on the day decided by the group each month.
3. The bid amount depends on the group members. {Suppose this group has a weekly rs5,000 and the group has 10 members then the bid winner will be 50,000.
4. Each member of the group will have the same weekly.
5. The validity of a group depends on the members of the group {Suppose a group has 10 members then the validity of that group is 10 months.
6. Each member has to submit the admin week before the meeting date.
7. The week that bounced will have to pay the penalty amount decided by the group.
8. The total penalty amount will be distributed to all members at the end of the group.

▪ INTEREST BHISHI
1. Interest bhishi has a coupon system, the coupon keeps the monthly week {for example the coupon price is Rs.300 and if you take 10 coupons 300 * 10 = 3000 then your monthly week will be 3000
2. Each member can decide the instalment as per his convenience.
3. You can get unlimited coupons.
4. No one can take this loan for 3 months after the group starts.
5. Suppose after 3 months you have accumulated Rs.20,000 then you can take a loan at the rate of interest decided by the group.
6. You will have to repay with interest next month.
7. Suppose your week is Rs.5,000 and you have borrowed Rs.10,000 then you have to pay 5,000 + 10,000 + interest =.
8. The entire interest and penalties accrued in the group are eventually distributed to all members.

▪ BASIC WITH INTEREST BHISHI
1. The loan is given by lucky draw and bid every month in the interest basic.
2. Suppose the group's collection amount is 50,000, then the winner will be given 25,000 through lucky draw and the remaining 25,000 will be given to the winner by bidding.
3. The bid will be of interest rate.
4. Example Bid start interest starts at 2% and if the last bid is 5% then the member who has bid 5% interest will be the winner, 25,000 will be paid.
5. The bid winner will have to pay the amount won next month and interest thereon.
6. The week of each member of the group will be the same.
7. Each month there will be a lucky draw on the day decided by the group.
8. The validity of a group depends on the members of the group 10 suppose a group has 10 members then the validity of that group is 10 months.