/
/
- Park your money in a liquid debt fund, starting at ₹100.
- No lock-in, no premature-withdrawal penalty.
- Insta Fund is a liquid (debt) mutual fund — not a Bank Fixed Deposit (FD). Returns are market-linked and not guaranteed.
- Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
- Trusave Fintech Pvt Ltd is an AMFI registered mutual fund distributor with ARN-321640.
Five ways to put
your money to work
Insta Fund, mutual funds, gold & silver, loans and credit cards — all from one app, with SEBI- and RBI-regulated partners. Start with ₹100 and step up as your confidence grows.
INSTA FUND
FD-like returns,
without the lock-in
A liquid (debt) mutual fund for your idle money. Aims for FD-like returns, with instant, UPI-style withdrawal whenever you need it.
- Start from ₹100 — daily, weekly, monthly or one-time
- No lock-in, no premature-withdrawal penalty
- Withdraw anytime, instantly
Insta Fund is a liquid mutual fund — not a Bank Fixed Deposit (FD). Returns are market-linked and not guaranteed.
Start an Insta FundBACHATT WEALTH
Mutual funds,
scored by the numbers
We run the maths on every mutual fund, multiple times a day, and give each one a score — so you can see which funds are doing well right now.
- A data-driven score for every fund
- 100+ parameters, refreshed multiple times a day
- Pick one fund or build your own basket
- SIP / one-time via UPI · SEBI regulated funds
GOLD & SILVER MF
Gold & Silver,
the smarter way
Own gold and silver through ETF-based funds — no GST, no making charges, and SEBI-regulated, unlike digital gold.
- 0% GST · no making charges
- SEBI regulated · unlike digital gold
- No lockers, no purity worries
- No lock-in · withdraw anytime
INSTA LOANS
Personal & business
loans, instantly
Loans up to ₹5 lakh from our partner banks and NBFCs, with daily, weekly or monthly repayment.
- AI eligibility check in 30 sec
- Real-time score · no bureau ping
- No collateral · foreclose anytime
- RBI-regulated lending partners
CREDIT CARDS
Credit cards,
lifetime free
Cards from our partner banks — lifetime-free options, rewards on everyday spends, and your credit score free in the app.
- Lifetime-free options
- Rewards on everyday spends
- Free credit score tracking
- Issued by partner banks
Why 10 Lakh+ Indians trust us
Security, transparency, and performance at every step.
Join thousands of smart investors building wealth daily
Your money. Fully protected.
How your money flows
Platform only
Direct custody
Your money is never held by Bachatt. It flows directly to the AMC or bank.
AMC Partners
and many more.
Invest in SEBI-regulated schemes of any registered fund house. These are some of the large AMCs whose funds we feature.
Lending & Credit Partners
Loans are disbursed by RBI-registered NBFCs. Bachatt acts as a lending service provider.
Start saving in three easy steps
From sign-up to your first SIP, the path is the same — short, clear, and entirely on your phone.
Set Your Daily Amount
No lock-in, fully flexible
Start from as low as ₹51 and increase anytime.
Set up UPI autopay
Autopay with UPI
Set up daily, weekly or monthly autopay with your preferred UPI app.
Complete 2 min KYC
Complete your KYC with PAN & Aadhaar
Investments start after KYC completion. It’s quick and easy!
Savings with Bachatt is safe & effortless
A glance at the screens that take you from sign-up to your first SIP — designed for speed, transparency, and trust.
Your Savings
Save transparently, watch it grow daily
Your Savings
Transparently view your savings grow in palms of your hand.
Build Wealth Smartly
Bachatt scores every fund on 100+ parameters, multiple times a day. Pick a top-scored fund or build a basket that fits your goals.
Gold & Silver
Invest in gold and silver through ETF-based funds — no GST, no making charges, SEBI-regulated. Start with as little as ₹100.
Loans & Credit Cards
Personal & business loans and credit cards from our partner banks, NBFCs and fintechs, with a quick eligibility check.
Free Credit Score
Check your credit score for free and keep an eye on your financial health, right inside the app.
Complete Passbook
View your complete investment history with detailed transaction records. Full transparency with downloadable statements anytime.
Manage SIPs Easily
Pause, modify, or stop your SIPs anytime without penalties. Step your amount up or down as your confidence grows.
See how your savings would have grown
Based on past returns of Bachatt curated baskets. Past performance ≠ future returns.
Over the past
Note: Returns shown are based on past performance of funds in curated MF baskets. Returns are subject to revision periodically as basket composition changes. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Please read all scheme related documents carefully and choose your investments wisely.
India wealth growth journey
Visualize your financial future with compound growth patterns observed in Indian markets.
18% of GDP
Avg Household Savings Rate
RBI 2023 Report184% CAGR
Digital Savings Growth
NPCI 2024Bank Deposits (65%)
Top Saving Instrument
NSSO Survey₹2.5Cr Average Target
Retirement Savings Goal
PFRDA StudyLeading CEOs and CXOs support Bachatt
Operators who have built and run some of India’s most trusted financial businesses, alongside us from day one.
Abhinav Sinha
Global COO, OYO
Maninder Gulati
CSO, OYO
Abhiraj Bhal
CEO, Urban Company
Sunil Prabhune
Ex-CEO, L&T FS Rural Finance
The minds behind Bachatt
From premier institutions to building India's largest tech platforms — our founders are here to lead by example.
IIM Ahmedabad
IIT KanpurAnugrah
CEO & Co-founder
IIMA'14 · IITK'12 · ex-Partner, BCG
Financial services veteran with 10+ years at BCG. Operations wizard. Obsessed with customer NPS and building a culture of radical candor.
IIM BangaloreIIT KanpurAnkur
COO & Co-founder
IIMB'17 · IITK'13 · ex-OYO India Revenue Head
Seasoned growth & marketing leader. Believes high-conviction decisions beat safe compromises every single time.
IIM Bangalore
IIT RoorkeeMayank
CTO & Co-founder
IIMB'17 · IITR'12 · ex-BCG · UC Product Leader
Tech and product leader with deep Bharat consumer expertise. Architecture nerd. Scales systems the way others scale mountains.
Trusted by leading institutions
From regulators and AMCs to payment networks — every partner that lets us put your money to work.
How we compare to traditional options
See why lakhs of Indians are switching to Bachatt for their savings and investments.
| Features | BEST CHOICE B Bachatt | Traditional Banks | Other Apps |
|---|---|---|---|
| Start Saving From | ₹100 (Daily/Weekly/Monthly) | ₹5,000 | ₹1,000 |
| Savings Automation | UPI AutoPay (Daily/Weekly/Monthly) | Manual deposit | Monthly SIP only |
| Expected Returns | Scored MFs, Insta Fund (debt), Gold & Silver | upto 7% p.a. (Fixed Deposits) | upto 12% p.a. (Stock/MF apps) |
| KYC & Onboarding | 2 min (Aadhaar + PAN) | 2-3 days (Branch visit) | 15-30 min |
| Lock-in Period | Zero lock-in | 1-5 years (FD penalty) | Zero lock-in |
| Withdrawal Speed | Instantly to bank account | After maturity / penalty | T+2 to T+3 |
| Choosing a Fund | Every fund scored, multiple times a day | Relationship manager pitch | Past returns & filters |
| Customer Support | WhatsApp + Call (8AM-8PM) | Branch / toll-free queue | Email / chatbot |
| Asset Classes | Mutual Funds, Gold & Silver, Loans, Cards | FD, Savings A/c | Stocks, MF, Gold |
Your money is completely safe
We follow industry-leading security practices to ensure your investments are protected at every step.
Trusted and certified by
How can we help you?
Browse through our frequently asked questions or search for specific topics.
Bachatt is a savings app for every Indian — salaried professionals, shop owners, jewellers, dealers, manufacturers, factory owners and the people who work with them. It is simple enough for a first-time saver to understand and use, and has every feature a seasoned investor needs.
A small first investment makes it easy to try a mutual fund or a new-age savings instrument without overthinking it. As you gain confidence, you can step up your amount anytime. Many Bachatt customers do exactly that — Bachatt is India's 3rd-largest SIP initiator, and our customers' average monthly SIP is on par with India's largest investing apps.
1. Mutual funds — from every SEBI-registered fund house, each with a Bachatt score. 2. Insta Fund — a liquid (debt) mutual fund that aims for FD-like returns, with no lock-in and instant withdrawal. 3. Gold & Silver — funds that invest in gold and silver ETFs, with no GST or making charges. You can invest through a daily, weekly or monthly SIP, or as a one-time investment. Mutual fund investments are subject to market risks; returns are not guaranteed.
Funds from every SEBI-registered fund house (AMC) are available on Bachatt, so you can pick and invest in any fund yourself. The funds and baskets we feature come from large AMCs like SBI, ICICI Prudential, Axis, HDFC and Motilal Oswal.
Bachatt analyses every mutual fund on 100+ quantitative parameters, multiple times a day, and gives each fund a score. This helps you see which funds are doing well right now, compare them at a glance, and invest in one fund or build a basket. The score is a data-driven tool, not personalised investment advice or a guarantee of future returns.