Save daily from ₹101 — grow it with Bank FDs, insta funds, SIPs, Gold & Silver funds, and curated Mutual Funds. One simple, UPI-powered app built for India. Start today!
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
The app is very good. I am using it from past one year and the experience is really good. Money withdraw is also instant.
I am extremely concerned about privacy and data handling practices.
DKY.
While setting up an investment in the app, I noticed that a current account associated with my proprietorship business was already displayed within Bachatt. I have never knowingly shared this bank account with Bachatt, nor was I clearly informed about how this information was obtained.This is not merely a personal savings account but a business-related current account, making transparency even more important.Financial platforms should clearly disclose:• How bank account information is sourced• What consent has been obtained from the user• What data is stored and processedUntil I receive a clear explanation regarding how my account details appeared in the application, I cannot trust the platform with my financial information.
Bachatt is amazing
Mohit ch1409
Bachatt made savings very easy, I’m getting so much returns with gold funds.
Developer Response
Thank you so much for your kind words. We’re thrilled to hear that Bachatt has made saving easy for you and that you’re seeing great returns with gold funds. Your support truly motivates our team to keep improving your experience. Happy investing.
Worst investment app
akhi1989
I am trying to withdraw my own money from last 10 days but not able to. Firstly I choose a sip of ₹500 per day, but it was automatically converted to ₹1000 per day. There are so many issues with this app that I cannot even list them here. Then there call centre persons are not at all trained.
• Bug fixes and performance improvements for a faster, smoother experience.
Save and grow your money with Bachatt:
• Insta Fund – Stable returns with no lock-in
• Wealth – Curated investment options for long-term growth
• Gold & Silver – Invest in precious metals with ease
Manage your savings, investments, and withdrawals seamlessly in one place, organized around your financial goals.
Update now for the best Bachatt experience.
Version 6.0.4
The developer, Trusave Fintech Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Location
Contact Info
Identifiers
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Trusave Fintech Private Limited
Size
168.9 MB
Category
Finance
Compatibility
Requires iOS 17.6 or later.
iPhone Requires iOS 17.6 or later.
Mac Requires macOS 14.6 or later and a Mac with Apple M1 chip or later.
