u/Friendly_Tower_7242

https://preview.redd.it/txyryljry2kh1.png?width=764&format=png&auto=webp&s=49d6c829bab1a2354dc1df4dce8455596da69bd5

I’m considering joining a local chit fund run by a friend of my father, and I’d like to get some opinions from people who understand chits/investing.
The structure is:

Duration: 30 months (Aug 2026 – Jan 2029)
Monthly contribution: ₹13,000
Total amount I pay: ₹3,90,000
If I wait until the final month, I receive ₹5,00,000
So the nominal profit is ₹1,10,000

There is also an option to redeem earlier. The amount I receive depends on the month I redeem. For example:

Aug 2026 → ₹3,00,000
Aug 2027 → ₹3,37,000
Aug 2028 → ₹4,27,000
Jan 2029 → ₹5,00,000

I have attached the full schedule.

The important point is that this is not a large/established chit company. It is a local chit organized by my dad’s close friend, so there is obviously some trust involved.

Does this look financially attractive compared with putting ₹13k/month into an FD, debt fund, or mutual fund?

TIA

I’ve had this issue with my nose for around 4–5 years and I’m trying to understand what I’m actually dealing with.

My nose has a very bumpy/rough texture, almost like lots of tiny bubbles or small bumps underneath the skin. There are also what look like clogged pores/small pimples across the nose.

The most annoying part is my nose tip. It always seems to have a noticeable bump/raised texture even when I don’t have an active pimple. The tip is also extremely prone to getting pimples. Whenever I get an inflamed pimple there, the whole tip becomes very red and swollen and honestly looks like a clown’s red nose 😭.

This has been going on for years rather than being a recent breakout.
I’m planning to see a dermatologist, but I’d also like to understand what this might be and hear from people with similar experiences.

Is this local chit fund a good investment? ₹13k/month → ₹5L after 30 months

ersistent bumpy texture on my nose + nose tip is constantly prone to pimples . What could this be?