Bachatt: Daily FD, Mutual Fund

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: developer-external@bachatt.app | +91 8920335565

Lender's Grievance Officer: Mr. Shushant Dash | grievanceredressalofficer@westerncap.in | +91 22 2825 6772

Lender's Nodal Officer: Mr. Anirudh Saxena | nodalofficer@westerncap.in | +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