Bachatt: FD, Mutual Fund, Gold

Bachatt is an AI powered savings and investments app, targeted for India's 30 crore+ middle and upper middle income segment, who are aspirational, and need the bouquet of savings instruments to be presented in a simple and understandable form.

Bachatt AI assistant - SAATHI, trained on billions of user questions and conversations, understands audience well, and presents Fixed deposits, Mutual Funds, Bonds, and other saving instruments, in an easy to consume form.

Savings on Bachatt starts from ₹100, to remove any barrier from your instrument of choice.

1. Insta Fund — Liquid Mutual Funds with Instant Withdrawal

✅ Build a daily savings habit by investing in liquid mutual fund schemes of 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 ₹100 per day; no lock-in
✅ UPI autopay across UPI apps like GPay, Paytm, PhonePe, Navi, CRED and others.

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.

2. Mutual Funds — To build Long-Term Wealth

✅ Invest in popular mutual funds of popular AMCs like ICICI, SBI, Axis, HDFC and others.
✅ Invest in Bachatt curated wealth baskets to balance against market volatility and stable returns
✅ Returns are market-linked and subject to scheme performance — refer to each scheme's risk-o-meter
✅ Daily, weekly or monthly SIP plus lumpsum

3. Gold and Silver

✅ Invest in Gold and Silver Mutual funds on Bachatt
✅ SEBI regulated funds, invest digitally without any making charges or fees

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: 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

• 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.
• Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns.
• Bachatt distributes regular plans of mutual fund schemes. It is registered with each individual AMC mentioned above, and receives commission from the respective AMCs. The commission helps is to run our technology and operations. 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.
• 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