Your first kitty is full. The hundred slots sold, the draws run on time, and now customers who missed out keep asking the same thing at the counter: when does the next one open? It is a good problem. It also tempts you into a bad move, opening a second kitty in the same register, on the same page, with the same slot numbers, because it feels faster. That is the moment a clean scheme turns into a muddle nobody can answer questions about.
You can run more than one kitty scheme at once, and running two well is one of the best ways to grow. The trick is separation. Each kitty gets its own slot numbers, its own list, its own dates and its own draw, even though they share your counter and your brand. This guide shows when you are ready, how to start the second kitty step by step, which settings can differ, and where owners go wrong.
Can you run more than one kitty scheme at once?
Yes. Nothing stops a shop running two or more kitties together, and many jewellers do it on purpose. A kitty has a fixed number of slots and a fixed number of months. Once every slot is sold, the only way to take another saver is to open a fresh kitty. So a growing shop almost always ends up with more than one.
A second kitty is not just more of the same. It lets you serve a customer the first kitty did not fit. If your first kitty asks for a large monthly amount, a smaller second kitty brings in savers who found the first one too heavy. Keeping a fresh kitty open as an older one nears its end also gives maturing members somewhere to continue, a moment our guide on selling more as a gold scheme matures is built around. To be sure the basics are the same for both, our guide to what a gold kitty scheme is and how the monthly draw works covers the parts every kitty shares.
What running two kitties actually looks like
Two kitties rarely start on the same day. More often the first one is already months in when you open the second, so they overlap. In the overlap months, both kitties collect and both hold a draw, and your counter handles two of everything. Seeing it on a calendar makes the load clear before you commit.
Look at the middle of that timeline. Those are the months that decide whether two kitties is a smart move or a headache. Early on, only the first kitty is live. Later, only the second. In between, everything doubles: two due dates, two sets of reminders, two draws to record, two months to close. If your counter can carry the middle, it can carry the whole thing. If the middle scares you, that is useful to know now, not in the overlap.
How is this different from more members or more branches?
More kitties, more members and more branches are three different kinds of growth, and they need different answers. More members means selling the empty slots in a kitty you already run. More branches means the same scheme collected in two shops. More kitties means a second, separate scheme, with its own slots and its own draw, running alongside the first.
The reason this matters is that each one strains a different part of your shop. Filling a kitty is a selling job, and our guide on growing a gold scheme toward a thousand members is about that. Running the same scheme across shops is a control job, covered in our guide to managing a gold scheme across many branches. Running more than one kitty is a separation job. Your whole task is to keep two schemes from bleeding into each other while they share one counter.
When are you ready to open a second kitty?
You are ready when the first kitty runs without your daily attention, when the counter has time to record a second set of payments and draws, and when you can name real customers who want in. If any of those three is missing, wait. A second kitty opened too early takes care away from the first, and both suffer.
Do not decide this by feel. Go down a short list first, because most trouble with two kitties starts as a gap in it.
The first line on that list carries the most weight. If the first kitty still needs you to chase every payment and add every total by hand, you do not have a spare pair of hands for a second one, you have a second job. Fix the first kitty until it runs quietly, then open the next. If chasing payments is the part eating your day, our guide on automating the routine jobs in a gold scheme shows what to hand off first.
The demand line matters just as much. "Customers keep asking" is a feeling. "These fourteen people asked me this month, by name" is demand. Keep a simple waiting list at the counter. When it is long enough to fill a good share of the new slots on day one, you are ready. A kitty that opens half empty and stays that way is harder to run than no second kitty at all.
How to start the second kitty, step by step
Once you are ready, starting the second kitty is the same work as your first, done with more care about keeping the two apart. If you want the full first-scheme walk through, our guide on how to start a gold saving scheme in your shop covers each step in detail. For a second kitty, the order is this.
- Fix the offer. Decide the monthly amount, the number of months, the benefit at maturity, and how many slots. Make it different from the first kitty on purpose, so it serves a customer the first one did not.
- Write the rules down. Due date, grace period, late payment rule, draw day, cancellation and redemption. Give a copy to every member the day they join, exactly as you did for the first kitty.
- Give it a name and a slot range. Call it something a customer will remember, and start its slot numbers in a range that can never clash with the first kitty. This one step prevents most mix ups.
- Set a separate due date and draw day. Pick days that do not fall on top of the first kitty, so your counter is not serving two crowds at once.
- Open a separate list. A new register page, a new spreadsheet tab, or a new kitty in your software. Members, payments and draws for this kitty live only here.
- Sell the slots, then run it. Enrol from your waiting list first, start collections, and run the monthly draw on its own date. Check both kitties every week, not at month end.
A worked example makes the shape clear, and every figure here is made up to show the method. Say your first kitty takes ₹2,000 a month for a set number of months, due on the 1st, drawn on the 20th, slots numbered 1 to 100. You open a smaller second kitty at ₹1,000 a month, due on the 10th, drawn on the 25th, slots numbered 201 to 300. Now a payment for slot 214 can only belong to the second kitty, and a customer who says "my draw is on the 25th" tells you which kitty she means without you asking. The separation is doing the work, not your memory.
Which settings can differ between two kitties?
Most of the offer can differ from one kitty to the next. That is the whole point of a second kitty, to reach a customer the first one did not fit. A few things, though, should stay the same across every kitty you run, and slot numbers must never be shared. Here is the full picture.
| Scheme setting | Between two kitties | Note |
|---|---|---|
| Monthly amount | Can differ | One kitty can be a higher value than another |
| Number of months | Can differ | A short kitty and a long kitty can run together |
| Due date | Can differ | Give each kitty its own day of the month |
| Draw day | Can differ | Hold each kitty draw on its own date |
| Grace period | Can differ | The days allowed after the due date |
| Benefit at maturity | Can differ | What the member receives at the end |
| Slot numbers | Keep separate | Never reuse a number across kitties |
| Your shop brand | Keep the same | Both kitties carry your own name |
| Who owns the record | Keep the same | Every kitty and its data stays yours |
The two lines that say "keep the same" are the ones that protect you. Both kitties must carry your shop brand, so a member never sees a different name on the second one and wonders who they are really saving with. And every kitty and its records must stay yours, exportable whenever you ask, so growing to two or ten schemes never means handing your customer list to someone else. This is exactly why a shop's own gold saving scheme, from joining to redemption, should sit on records the shop controls.
Keeping each draw separate and fair
Two kitties mean two draws, and the fastest way to lose trust is to blur them. Run each draw on its own, from its own frozen list of the slots eligible that month, on that kitty's own date. Never pick one winner and let it count for both kitties. A member in the second kitty should never feel the first kitty's members got a better chance.
The parts that make a single draw fair make two draws fair, done twice. Freeze the list of eligible slots before you draw, so nobody can be added or removed after the fact. Confirm the result and lock it, so it cannot be quietly changed later. Announce it to every member of that kitty the same day, and record the winning slot, the date and who witnessed it. Our guide on running a lucky draw members can see is fair walks through each of these, and you simply repeat it for the second kitty.
One honest word on the rules. Savings schemes and lucky draws are regulated, and the rules differ by country and state. This guide is about fairness and clean records, not the law. Confirm what your state allows with your own adviser, and keep your records clean enough that you can show exactly how each draw was run.
Tell us what you have in mind. We turn AI prototypes and fresh ideas into shipped, scalable products, from India, for the US and UK.
Common mistakes when running more than one kitty
Almost every problem with two kitties comes back to separation, or the lack of it. These are the ones I see most.
- Sharing slot numbers. Slot 21 exists in both kitties, a payment comes in for "slot 21", and now two members might be owed the same rupees. Separate ranges from the start fix this for good.
- One register for both. Two kitties written on the same pages means every check has to sort them apart first. Keep one list per kitty.
- The same due date for both. Two crowds at the counter on the same morning, and a month end that doubles in one evening. Spread the dates.
- Opening the second too early. The first kitty still needs daily chasing, so the second one starves it of attention. Steady the first, then grow.
- One draw counted twice. A shortcut that saves five minutes and costs you the trust of a hundred members. One draw per kitty, always.
- Receipts that do not name the kitty. A member with slots in both kitties cannot tell which payment went where. Put the kitty name on every receipt.
The mistake with the longest tail is the mixed record. Once two kitties share a book, untangling them at month end is slow and error prone, which is the same trouble covered in our guide on closing the monthly accounts of a scheme in one evening. Two clean kitties close fast. One muddled pair never does.
When a second kitty is not worth it
Be honest with yourself before you open one. A second kitty is not worth it when the first one is not full yet, because splitting your selling effort across two half empty kitties is weaker than filling one. Sell out the first, then start the next.
It is also not worth it when the demand is not really there. If you cannot name the customers who want in, a second kitty is a guess, and a kitty that opens mostly empty is a monthly reminder of a decision that did not land. And it is not worth it when your counter is already at its limit with one kitty. Two schemes need more recording, more reminders and more draws. If there is no room for that, make the first kitty easier to run before you add a second.
Do you need software to run more than one kitty?
Not always. If you have one counter, most payments come as cash or counter UPI, and one careful person can hold both kitties in their head, two separate sheets or a spreadsheet with a tab per kitty will do. Keep the slot ranges apart, name every receipt, and run each draw on its own, and paper can carry two small kitties.
Software starts to earn its place at the point where the separation gets hard to hold by hand. That point comes when payments arrive from home and land in different places, when members hold slots in more than one kitty and want one clear record, or when two month ends in one evening keep going wrong. If you are weighing this up, our comparison of paper, Excel and software for gold schemes lays out where each one stops coping.
This is what GoldKitty, our gold scheme software, is built for. It runs this year's kitty while you sell next year's, with slot sales for each kitty tracked side by side on one screen. Cash, counter UPI and in app payments for every kitty land in one reconciled list, so nothing is tracked twice. Receipts are numbered in sequence and carry your shop name and the right kitty. Each draw runs from its own frozen list, is confirmed with a one time password and locks once done. Because it keeps each kitty separate while showing you both at a glance, growing from one scheme to several stops being a memory test.
Two things worth saying plainly. GoldKitty is modular, set up for each shop according to its country and its offer, so each kitty's rules are handled on its own, and payments run through local payment gateways integrated for that market. And it is white label, so every kitty carries your brand, not ours. See how it fits alongside the other products appico builds and maintains, and remember that like any software it has a running cost after launch, worth asking about at the demo.
Our take
Running more than one kitty is not really a software question. It is a separation question. Two kitties that never share a slot number, a list or a draw are two clean schemes that happen to share a counter. Two kitties that blur into one are a single confusing thing that nobody trusts.
The software does not run the scheme, trust does, and trust in two kitties comes from records that keep them apart. Start with the readiness list, give the second kitty its own slot range and its own dates, and run each draw on its own. If you would rather watch two of your own kitties run side by side before you commit, you can see your schemes inside a private demo on your own numbers. Either way, the rule is the same: grow by adding kitties, never by mixing them.
Frequently asked questions
Can I run more than one kitty scheme at the same time?
Yes. Nothing stops a shop running two or more kitties at once, and many do it on purpose so a new kitty is selling while an older one runs. The one rule that keeps it safe is separation. Each kitty needs its own slot numbers, its own list of members and payments, and its own draw. Mix two kitties into one book and both become hard to trust.
Why would a jeweller open a second kitty scheme?
Usually because the first one is full and customers keep asking to join. A kitty has a fixed number of slots, so once they are sold, the only way to take more savers is a fresh kitty. A second kitty also lets you offer a different amount or length, so a customer who found the first one too large has a smaller one to join.
When should I open a second kitty?
When the first one runs without you watching it every day, when your counter has time to record a second set of payments, and when there is real demand you can name. If the first kitty still needs your full attention, or you cannot list customers who want in, wait. A second kitty started too early usually starves the first of care.
What settings can differ between two kitties?
Most of them. Two kitties can have a different monthly amount, a different number of months, a different due date, a different draw day, a different grace period and a different benefit at maturity. What should not differ is your shop brand on both, and who owns the records. Slot numbers must stay separate, never reused across kitties.
How do I keep the lucky draws of two kitties fair?
Run each draw on its own, from its own frozen list of eligible slots, on its own date. Never draw one winner and count it for both kitties. Confirm the result, lock it so it cannot be quietly changed, announce it to every member of that kitty, and record who witnessed it. Draw rules differ by state, so confirm yours with your own adviser.
Should each kitty have its own due date?
It helps. If both kitties fall due on the same day, your counter faces two crowds and two sets of reminders at once, and month end doubles overnight. Spread the due dates across the month and the work spreads with them. On software this matters less, because reminders and receipts go out on their own, but a clear separate date still keeps members from confusing the two.
Is running two kitties on paper a good idea?
It works while one careful person can hold both in their head, but it gets risky fast. Two registers mean two chances to write a payment in the wrong book, two draws to record by hand, and two month ends in one evening. If you are already stretched by one kitty on paper, a second is the point where a spreadsheet or software starts to pay for itself.
Do I need software to run more than one kitty?
Not always. One counter, most payments in cash or counter UPI, and a careful person can run two small kitties on separate sheets. Software earns its place when payments arrive from home, when members hold slots in more than one kitty, or when two month ends in one evening keep going wrong. It keeps each kitty apart while showing you both on one screen.
Can one member join more than one of my kitties?
Yes, if your rules allow it, and it is common. A member might hold slots in a small kitty and a large one at the same time. Keep each slot under its own kitty with its own number, so the member sees a clear record for each. A good record lets that member pay for several slots in one go while each slot keeps its own draw chance.
How does GoldKitty handle more than one kitty?
GoldKitty is built to run this year's kitty while you sell next year's, with slot sales tracked side by side. Cash, counter UPI and in app payments for every kitty land in one reconciled list, receipts are numbered in sequence, and each draw runs from its own frozen list and locks once confirmed. It is modular and set up for your country and offer, and pricing is given after a demo on your own schemes.
“Disciplined, committed, over-delivers. Three years in, I would re-hire any day.”
“A factory of ideas.”
“A fantastic-looking and performing website.”
Talk to the team, we reply within 24 hours, and the first consultation is free.
Start a conversation →