Save together.
Grow together.
GulakCircle digitalises the traditional Indian committee — transparent collections, smart reminders, and rewards for every disciplined saver.
Everything you need to save smart
A modern reimagining of the trusted committee — for Indian families, friends and communities.
Saving Circles
Create or join committees with friends and family in seconds.
GulakScore
Earn loyalty points for every on-time payment and unlock levels.
Gift Marketplace
Redeem points for curated gifts and electronics.
Smart Reminders
Never miss a payment with auto reminders and receipts.
Bank-Grade Security
AES-256 encryption with UPI, net banking and wallet support.
Refer & Earn
Invite friends and earn bonus GulakScore on every referral.
How GulakCircle works
Four simple steps from sign-up to your first reward.
Create your account
Quick OTP sign-up with simple KYC.
Start a circle
Set amount, duration, members in 4 steps.
Track your score
Pay on time, climb levels, earn badges.
Manage everything
Circles, savings and rewards in one place.
What our users say
"GulakCircle made our Diwali savings group so easy. No more chasing people on WhatsApp — everything is transparent and on time."
Ready to start saving smarter?
Join thousands of Indian families building wealth together with GulakCircle.