- # Bachatt Saathi is an AI-powered information and discovery tool. It does not provide personalised investment advice. See Saathi Terms.
- 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.
Namaste 👋
Arjun Mahajan
Your Relationship manager
Your RM found these opportunities
Growth Chahiye, Kam Risk Ke Saath!
Har fund 100+ parameters par compare.
Apke bank ke charges?
Saathi ye paise wapas le aayega.
1 Click Mein Paayein ₹3,00,000 Tak Ka Loan!
Partner banks & NBFCs se pre-approved offers.
Har Kharch Par 1% Gold Cashback!
Lifetime free card. Rewards in 24K gold.
Five ways to grow your money
All in one app. Saathi shows you which one fits.
*Insta Fund is a liquid mutual fund, not a bank fixed deposit (FD). Returns are market-linked and not guaranteed. Mutual fund investments are subject to market risks. Loans and credit cards are offered by partner banks and NBFCs, subject to their eligibility criteria.
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.
Your AI Savings Expert, always on your side
Saathi studies your money the way a personal relationship manager would — then tells you, in plain Hinglish, where you can grow more and where you are losing out.
Growth chahiye, kam risk ke saath?
Saathi compares funds from every fund house on 100+ parameters and shows you where your money can work harder.
Bank charges pakde
Saathi spots the charges your bank quietly deducts — and helps you get them back.
Sahi loan, sahi rate
Saathi surfaces pre-approved offers from our RBI-regulated partner banks and NBFCs, so you never overpay on interest.
Har kharch par reward
Saathi finds lifetime-free cards that pay you back — including cashback in 24K gold.
Chat Call — ask anything about savings, loans or cards.
Bachatt Saathi is an AI-powered information and discovery tool and does not provide personalised investment, tax or legal advice. Loans and credit cards are offered by partner banks and NBFCs, subject to their eligibility criteria. Mutual fund investments are subject to market risks. Trusave Fintech Pvt Ltd is an AMFI registered mutual fund distributor (ARN-321640). Saathi Terms
Namaste 👋
Arjun Mahajan
Your Relationship manager
Your RM found these opportunities
Growth Chahiye, Kam Risk Ke Saath!
Har fund 100+ parameters par compare.
Apke bank ke charges?
Saathi ye paise wapas le aayega.
1 Click Mein Paayein ₹3,00,000 Tak Ka Loan!
Partner banks & NBFCs se pre-approved offers.
Har Kharch Par 1% Gold Cashback!
Lifetime free card. Rewards in 24K gold.
Why 10 Lakh+ Indians trust us
Security, transparency, and performance at every step.
Join lakhs of Indians growing their money with Bachatt Saathi
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.
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
Choose amount, setup autopay, and finish a 2-minute KYC — on your phone.
Choose SIP Amount
Get FD like returns with Bachatt Insta funds
Save in Liquid funds of SBI, ICICI, Axis & more. Saathi finds the best options for you.
Set up UPI autopay
Automatic recurring payments from your preferred bank account
Choose your preferred UPI app, pay ₹1 to set up autopay.
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.
Insta Fund
FD-like returns, no lock-in
Insta Fund
Park idle money in a liquid mutual fund and withdraw instantly, anytime. Insta Fund is not a bank FD; returns are market-linked.
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.
Insta Loans
Loans up to ₹5 lakh from our partner banks and NBFCs, with a quick eligibility check and all your loans in one place.
Credit Cards
Lifetime-free cards from our partner banks that earn rewards as 24K gold on everyday spends.
Complete Passbook
View your complete investment history with detailed transaction records. Full transparency with downloadable statements anytime.
Leading 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
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 |
|---|---|---|---|
| Personal Savings Expert | Bachatt Saathi — AI, chat or call, anytime | RM only for high balances | None — you research alone |
| Savings Automation | UPI AutoPay SIPs | 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 | Saathi compares every fund for you | 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 gives every Indian an AI Savings Expert, Bachatt Saathi — whether you are a 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.
Bachatt Saathi is your AI Savings Expert inside the Bachatt app. Like a personal relationship manager, Saathi looks across your money and finds opportunities: 1. Where your savings can grow, with the risk you are comfortable with. 2. Bank charges that may be deducted from your account — and how to get them back. 3. Better loan offers from our partner banks and NBFCs. 4. Lifetime-free credit cards with rewards, including cashback in 24K gold. You can chat with Saathi or call. Saathi is an AI-powered information tool and does not provide personalised investment advice.
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. Ask Saathi which one fits you, then invest through a 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.