Bachatt: FD, Mutual Fund, Gold

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
✅ Track all your investments, holdings and loans from a single dashboard
✅ UPI autopay across UPI apps like GPay, Paytm, PhonePe, Navi, CRED and others.

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

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. Bachatt is a registered distributor with all the AMCs mentioned here.
✅ Returns are market-linked and subject to scheme performance — refer to each scheme's risk-o-meter
✅ Daily, weekly or monthly SIP plus lumpsum
✅ Invest before 1:30 PM cut-off for same-day NAV (as per AMC rules)

4. Access to Loans

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. It is registered with each individual AMC mentioned above, and receives commission from the respective AMCs. Direct plans have lower expense ratios and may yield higher returns over the long term.
• Bachatt is not affiliated with the UPI apps mentioned above; names are used only to indicate compatibility.
• 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

What’s new

🐞 Bug fixes & performance improvements
⚡ Faster, smoother, and more reliable experience

3 ways to save, one app:
🔒 InstaFD – Stable returns, zero lock-in
📈 Wealth – High-return funds to grow your money
🪙 Gold & Silver – Invest in precious metals

Organised by your goals. Balances, withdrawals & investments — all seamlessly in one place.

🎯 Pick your path: safety, growth, or diversification.
⚡ Update now for a better Bachatt experience!