Bachatt: Daily FD Mutual Funds

Bachatt Smart Savings (AMFI Registered)

About this app

Bachatt is a daily savings and investments app for India's 30 crore+ underserved, self-employed segment. Insta Fund (liquid mutual funds with instant UPI-style withdrawal), curated mutual fund baskets for long-term wealth, plus instant personal loans — all from a single UPI-powered app. SIP daily, weekly or monthly into schemes from AMCs like SBI, ICICI Prudential, Axis, HDFC and others.

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully.

1. Daily UPI Savings & Investing Made Simple

✅ Start saving or investing daily from just ₹51 per day
✅ UPI autopay across GPay, Paytm, PhonePe, Navi, CRED and any other UPI app
✅ Track all your investments, holdings and loans from a single dashboard

2. Insta Fund — Liquid Mutual Funds with Instant Withdrawal

✅ Build a daily savings habit by investing in liquid mutual fund schemes from SEBI-regulated AMCs
✅ Instant withdrawal, UPI-style — redeem in seconds, even on weekends and market holidays (subject to SEBI's Instant Access Facility limits)
✅ Start with as little as ₹20 per day; no lock-in
✅ Returns are market-linked — refer to each scheme's risk-o-meter
✅ Fully digital onboarding and KYC

Important: Insta Fund is a liquid mutual fund — not a Bank Fixed Deposit (FD). Returns are market-linked and not guaranteed. Not insured by DICGC.

3. Mutual Fund Investments — Build Long-Term Wealth

✅ Invest in regular plans of mutual fund schemes from AMCs like ICICI, SBI, Axis, HDFC and others
✅ Returns are market-linked and subject to scheme performance — refer to each scheme's risk-o-meter
✅ Daily, weekly or monthly SIP plus lumpsum; no account-opening charge from Bachatt
✅ Invest before 1:30 PM cut-off for same-day NAV (as per AMC rules)
✅ Open a folio in minutes; track performance from a single dashboard

4. Access to Loans for Bachatt Customers

Bachatt provides access to personal loans through its RBI-registered NBFC partner. Apply digitally; approval is subject to eligibility verification by the lending partner. Bachatt is not a lender.

Loan Charges: Processing Fee 0%–5% of loan amount (+ applicable GST). Bounced & Prepayment Charges: Nil. APR: 12%–40% p.a. Tenure: 2–24 months.

Representative Example: ₹10,000 loan, 12 months @ 24% p.a. (compounded monthly), 2% + 18% GST processing fee = ₹236. Monthly EMI ₹923, total repayment ₹11,076, total cost ₹1,312. Final terms vary by eligibility and the lending partner's policies.

Lending Partner: Salora Capital Limited (RBI-registered NBFC) | CIN: U72900MH1999PLC122849 | saloracapital.com | Reg. Address: 103, Park Plaza Condominium, New Yari Road, Opp. Fishery Institute, Versova, Andheri-West, Mumbai – 400061.

Grievance Redressal: [e-mail] | [phone]

Important Disclaimers

• Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns.
• Bachatt (Trusave Fintech Private Limited) is an AMFI-registered Mutual Fund Distributor with ARN-321640. Bachatt is not a SEBI-registered Investment Adviser and does not provide investment advice.
• Bachatt distributes regular plans of mutual fund schemes and receives commission from the respective AMCs. Direct plans have lower expense ratios and may yield higher returns over the long term.
• Insta Fund is a SEBI-regulated liquid mutual fund. It is not a bank deposit, not DICGC-insured, and does not carry FD-like guarantees. Instant withdrawals operate under SEBI's Instant Access Facility framework, subject to per-day limits set by the AMC.
• Loan products are offered by Bachatt's RBI-registered NBFC partner. Bachatt is not a lender.

Terms & Conditions - https://www.bachatt.app/policies/terms-and-conditions