Grow together
Your money works inside the group — not sitting idle.
Coming soon · India
Money is betterwith friends.
Add a little every month with your group. Lend to a friend when they need it.
Coming soon
Group pool
₹4,80,000
Ready to lend
This month80%
Added this month₹4,000
Your share₹40,000
+ ₹4,000 next month
Your Circle
Office Friends
ARSPMK
12 members
Rahul
Anyone free for dinner Friday?
You
I’m in! Split the bill here?
Why Ipsilun
Good for you. Good for your friends.
Help in time
A friend needs cash? The pool is ready.
No chasing
No WhatsApp reminders. No lost notes.
Like SIP, but social
Add monthly or lumpsum. Same simple habit.
How it works
Three simple steps
Your Circle
Office Friends
ARSPMK
12 members
Rahul
Anyone free for dinner Friday?
You
I’m in! Split the bill here?
01
Make your group
Invite friends. Give your Circle a name. You’re ready.
Group pool
₹4,80,000
Ready to lend
This month80%
Added this month₹4,000
Your share₹40,000
+ ₹4,000 next month
02
Add money every month
Put in a fixed amount like an SIP, or add a lumpsum anytime.
Loan request
R
Rahul wants
₹40,000
Pays back
₹3,600 × 12 months
From the pool
Your share: ₹8,000
03
Lend and grow
A friend asks. You say yes. They pay you back with interest.
Your group pool
Build a pool. Lend when friends need it.
What 12 friends can build in a year
Example onlyMoney goes from your bank into the pool. When a loan is approved, it goes to your friend.
Your bank → Group pool → Your friend
See it clearly
How one group uses Ipsilun
Twelve office friends put in ₹4,000 each month. When Rahul needs ₹40,000 for a laptop, friends approve — and he pays back every month.
RASPMK
Office Friends · 12 members
01 · Each friend adds
₹4,000 / month
02 · Group pool grows
₹4,80,000
03 · Rahul borrows
₹40,000
04 · Pays back
₹3,600 × 12
Loan request
R
Rahul wants
₹40,000
Pays back
₹3,600 × 12 months
From the pool
Your share: ₹8,000
In the app
Everything your group needs
Pool topped up!
Nice 🙌
Talk
Chat with your friends in one place.
Dinner
₹2,400
ARSP
₹600 each · Settled
Split bills
Share a dinner or trip. Settle up easily.
In+₹4,000
Out−₹8,000
Back+₹3,600
See everything
Who put in money. Who borrowed. Who paid back.
For you
Made for friends who trust each other
ARS
Office friends
Your work gang, money made simple.
PMK
Society groups
Neighbours who already stick together.
NVD
College friends
Batchmates near or far.
JTL
Family
Help each other without awkward cash talks.
Safe & clear
Simple rules everyone can follow
1
Everyone is ID checked
No strangers in your group.
2
You approve every loan
Nothing moves without your yes.
3
Every rupee is recorded
Clear books for the whole group.
FAQs
Questions people ask
An app where friends make a group, add money together, and lend to each other when someone needs it.