mChama / Investment

EChama is a comprehensive solution that empowers banks to provide their customers with an app to manage and run an investment club with ease and flexibility. This solution helps to bring out transparency into financial group administration and automates the record-keeping process thereby helping the investment groups to efficiently manage their activities and transactions. The platform is accessible online through both desktop and mobile making it easily accessible for all the group members.

By leveraging EChama, the treasurer on the system can effortlessly handle the different payments made to the investment Group. These payments include contributions payments, penalty payments, customer payments, supplier payments, special deposits, member loan payments, and bank loan payments.


Financial Management

Helps the members of a Chama to keep track of their finances from incomes & expenses to profits & loses.

Membership Management
An online portal allows for registration, migration, bulk registration, and management of members.
Bank Account Management
Helps to record bank transactions from withdrawals to deposits and transfers and allows for easy reconciliation.
Expense Management
Provides a holistic view of expenses and makes it easy for the group to track the expenses as and when they occur. Eg. Land Purchase, Paying for services
Project Management

Easily track the expenses of a project and the contributions required from the members.

Loan Management
Manages the complete loan lifecycle cost-effectively and flexibly.
Financial Reports
Presents a robust report on Chama data through pre-configured and system-generated reports which can be downloaded in multiple formats.
Penalty/Fine Management

Makes it easy to impose fines on members for multiple categories and link them as per the bank’s business rule.

Alert and Notification
Intimates members of the group through SMS and email alerts about deposits and lending.

Why EChama?

EChama offers the right tools that are accurate, accessible and helps to ease the workload to manage the group finances.


Financial information is stored securely on EChama ensuring the information is only visible to authorized users.


Echama is available 24/7 as long as there is a reliable Internet connection, and is accessible from anywhere in the world.

Easy Set up

Echama requires simple steps for setting up which includes sign up, member registration, adding a bank account and setting up contribution.


Using EChama, the treasurer only needs to record payments as they occur and EChama handles the reporting on behalf of the treasurer.

Come Lets Talk “Money On Demand – Your Mode of Payment.”