Comparing to any mode of investment like real estate, gold, equities, chitty is always profitable.  When the profitability of other modes of investment depends on many external factors other than the personal vigilance of the investor, chitty investment will definitely be  profitable if the investor is vigilant. A problem always associated with chitty is the security of the chit funds.  KSFE is a Kerala Govt Owned Chitty company and your chitty investment is 100% secure.