The monthly winner process is designed to be exciting, but also explainable. Lucky Plan uses batches, Lucky IDs (00–99), and a monthly draw rhythm. The goal is that customers can understand the rules without needing technical knowledge.
Step 1: Batches and Lucky IDs
When you join a batch, you receive a Lucky ID between 00 and 99 (depending on availability). This Lucky ID is used for the monthly draw for that batch.
Step 2: One winner per batch per month
Each month, one winner is selected from the batch. The winner’s remaining future EMI is waived according to the plan rules.
Step 3: Why commit–reveal improves trust
To support fairness, the draw process uses a commit–reveal approach. In simple terms: a commitment is published first (a cryptographic hash), and the reveal is published later. This is designed so the outcome can be verified against what was committed earlier.
You don’t need to understand cryptography to benefit from it. The important point is that the process is built to be verifiable, and the public site shows published draw records when they are revealed.
Even when the winner is selected, already-paid EMI is never refunded. The waiver applies only to remaining future EMI.