UPI round-up savings for students

Your spare change is your squad's next trip.

Chillar rounds up every UPI payment and saves the spare change towards your own goals and the ones you share with friends. Four friends saving ₹50 a day have ₹18,000 by the end of the semester.

One debit a day, at 11 PMPause any timeWithdraw in one working day
₹0charged to save, ever
₹50in round-ups on a typical day
₹18,000for a squad of four in 90 days
1 working dayto withdraw a short-term goal

How it works

You pay like always. Chillar saves the change.

STEP 1

Link your UPI app

Connect once. Chai, autos, xerox and momos all count from that moment on.

STEP 2

Every payment rounds up

Under ₹100 goes to the next ₹10. ₹100 and above goes to the next ₹50.

Chai ₹17 → ₹20+₹3
Bike taxi ₹63 → ₹70+₹7
Momos ₹175 → ₹200+₹25
STEP 3

One save at 11 PM

The day's change goes out in a single UPI AutoPay debit once it crosses ₹30. You set the daily cap.

Squad Jars

Alone it's chillar. Together it's a flight.

Start a jar for the trip, invite the group, and everyone's round-ups fill it together.

  • Shares stay separate. If someone leaves, they take back what they put in and the goal resets for the rest.
  • Partner top-up. Lock the jar to a travel partner and they add the last 5% once you reach 95%.
  • Everyone can see it. The jar shows who has saved this week, so no one quietly drops out.

What your squad can save

₹18,000

₹4,500 each, enough for a budget Goa trip by train.

Where your money goes

Short goals stay liquid. Long goals grow.

Chillar never holds your money. It sits with regulated partners, in your name.

Short goals · under 6 months

Overnight mutual fund

For trips, concerts and gadgets. Invested through an AMFI-registered distributor partner.

  • The safest kind of mutual fund
  • No 3% GST on short goals
  • Withdraw in one working day
Long goals · 6 months and longer

24K digital gold

For money you want to leave alone, held in insured vaults by a bullion partner.

  • 3% GST shown before you buy
  • Sell back or convert to coins
  • Moves into the fund in the final six months
You set the limit

UPI AutoPay with a daily cap you choose. Pause from Chillar or from your UPI app.

One debit a day

Round-ups are collected once at 11 PM, so your bank statement stays clean.

Your data, your consent

Chillar reads payments only with your explicit consent and never sells your data.

FAQ

Before you link your UPI

What if money is tight this week?

Pause round-ups with one tap. Nothing is debited until you switch them back on.

What if a friend leaves the Squad Jar?

Their share is kept separate. They take back what they put in and the goal resets for everyone else.

How is Chillar different from Jar?

Jar is gold-first and solo. Chillar is goal-first and social, and keeps short goals out of gold.

How does Chillar make money?

Travel partners pay when a goal becomes a booking, fund and gold partners pay a distribution fee, and Chillar Pass costs ₹19 a month for 2x round-ups, group bill-splitting and student coupons.

Kharcho bindass. Bachega apne aap.

You're already saving. You just don't know it yet.

Download Chillar and get a ₹100 starter top-up in your Squad Jar once three friends join you.