WhatsApp for Registered Chit Funds (Foreman) in India 2026
A playbook for registered chit fund companies and foremen to run the full subscriber lifecycle on WhatsApp — enrolment and KYC, group/ticket allocation, monthly auction and bid intimation, due reminders with UPI collection, prize-money payout intimation, conduct-limited defaulter follow-up, and statements/renewal. Leads with the nuance everyone gets wrong: chit funds are state-regulated under the Chit Funds Act 1982 and the Registrar of Chits, NOT the RBI. Covers the DPDP Act 2023 carve-out for subscriber PII, a WhatsApp-vs-agent comparison, per-stage automation/KPI/compliance and auction/payout comms tables, illustrative cohort numbers, and anti-patterns (never market a chit as an investment with returns). As of 2026 — general information, not legal or financial advice.