Bachatt: Daily FD, Mutual Fund
Savings, SIP, Gold, Silver
No in-app products collected for this app.
| Rating | |||
|---|---|---|---|
| India | 100%2,951 | 4.51 |
Description
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 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 ₹101 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 ₹101 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
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)
4. Personal Loans for Bachatt Customers
Bachatt provides access to personal loans through its RBI-registered NBFC partner. Apply digitally; approval is subject to verification by the lender.
Loan Charges: Processing Fee 0%–5% of loan amount (+ applicable GST). Bounced & Prepayment Charges: Nil. Maximum APR: 36% p.a. (range: 12%–36% p.a.). Tenure: 3–24 months. Payment due dates are set per the loan amortization schedule shared at the time of disbursal.
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.
Lending Partner: Western Capital Advisors Private Limited (RBI-registered NBFC). CIN: U65999MH2018PTC401032. Website: westerncap.in. Registered Address: A-7001, World Trade Centre, Surat, Gujarat – 395002.
Grievance Redressal — Bachatt: [email protected] | +91 8920335565
Lender's Grievance Officer: Mr. Shushant Dash | [email protected] | +91 22 2825 6772
Lender's Nodal Officer: Mr. Anirudh Saxena | [email protected] | +91 22 4017 6772
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 Funds are set of 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
