Committee (BC): how it works and when your turn pays
How a committee or BC works, what the payout is, why an early turn is like an interest-free loan and a late one like savings, and how to keep it safe.
Munshi Team · 18 Oct 2026 · 2 min read
Ask any market in Pakistan and you will find a committee running: ten shopkeepers putting in a fixed amount each month, one of them taking the whole pot by turn. It's how many shops buy stock before Eid, pay a big rent advance or fund a wedding, with no bank and no interest.
The committee (BC) calculator shows your payout and balance month by month.
How it works
- A fixed number of members, say 10.
- Each pays a fixed amount every month, say Rs 10,000.
- Each month the whole pot, Rs 1,00,000, goes to one member, by turn.
- After 10 months everyone has paid Rs 1,00,000 and received Rs 1,00,000.
Nobody earns or loses money. Only the timing changes.
Early turn or late turn?
| Your turn | Paid in before it | Still to pay after | Works like |
|---|---|---|---|
| Month 1 | Rs 0 | Rs 90,000 | An interest-free loan |
| Month 5 | Rs 40,000 | Rs 50,000 | Half and half |
| Month 10 | Rs 90,000 | Rs 0 | Savings |
Take an early turn when you need cash now, for stock before the season. Take a late one to save for something planned.
The risk, and how to handle it
The main risk is a member who takes an early turn and then stops paying. Protect yourself:
- choose members you know well, or who have a guarantor
- write down every member, their turn and every payment
- agree what happens if someone is late or leaves
A written list settles arguments that memory never can.
Keep it in the app
Munshi's committee tracker in the digital khata keeps members, turns and who has paid each round, and sends a member a WhatsApp reminder in one tap.
See your own turn in the committee calculator, or start free.
Try it free in your own business
Start with your mobile number. No card, no installation.