---
title: "Bachatt: Daily FD, Mutual Fund - Отзывы, Доход и Загрузки приложения in Индия | Apple App Store"
description: "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"
---

# Bachatt: Daily FD, Mutual Fund — Индия
> Savings, SIP, Gold, Silver

![Bachatt App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/4c/05/8f/4c058f67-03be-3afc-98c0-c2192d19236a/AppIcon-0-0-1x_U007emarketing-0-6-0-85-220.png/434x0w.png)

**Developer:** [Unknown](https://apptail.io/ru/developer/unknown-TnjmZ)
**Category:** Finance
**Rating:** 4.6/5 (4,473 ratings)
**Price:** Free
**Bundle ID:** app.bachatt.customer
**Store:** Apple App Store
**Country:** Индия
**Version:** 6.1.6 (released 2026-08-29)
**Original Release:** 2025-10-30
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id6749962231)
**AppTail Page:** [https://apptail.io/ru/app/bachatt-daily-fd-mutual-fund-Ocix/india](https://apptail.io/ru/app/bachatt-daily-fd-mutual-fund-Ocix/india)

## Bachatt Description
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 - 

## Bachatt Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ee/7f/52/ee7f5208-ebb0-dbf6-0d01-c8e0e9210997/english1__U00283_U0029.png/1260x2736.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e6/d6/6c/e6d66ceb-5fb9-0b30-628a-5386561373c4/english2__U00282_U0029.png/1260x2736.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/14/94/b1/1494b1c9-7796-e100-3e61-efbe4eb2c062/english3__U00286_U0029.png/1260x2736.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/db/10/9d/db109de2-e158-c1d5-712b-9da154053608/english4__U00281_U0029.png/1260x2736.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/84/ef/3c/84ef3c61-c16a-69db-0d2f-047bdb9f8f90/english5__U00283_U0029.png/1260x2736.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/85/57/65/855765fc-7a43-c5cc-dac4-1d9ab0f35757/english6__U00283_U0029.png/1260x2736.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/11/a4/b7/11a4b7a6-952c-c5b3-d347-2d67dc33dc9b/english8__U00282_U0029.png/1260x2736.png)

## Bachatt Rating Breakdown in Индия
- 5 stars: 3,647 (82%)
- 4 stars: 316 (7%)
- 3 stars: 141 (3%)
- 2 stars: 88 (2%)
- 1 stars: 281 (6%)

## Bachatt Reviews in Индия

### *---- "Scam Alert!"
Guys, don’t fall for this scam, these people asks you to invest daily, promising that you’d get 9 lakhs if you invest 500 daily, but matter of fact, they wont even return 90k even in 3 years, these are the govt authorised scammers, cause the govt gets the cut for sure.
-- ScamBusterIndia, 2026-08-30

### ***** "Best App"
Nice For Indian
-- Ấn ja, 2026-08-30

### *---- "Fraud"
I have sip of rs 101 but there was extra deduction.
-- Abhishek00087, 2026-08-30

### *---- "Don’t use"
Lootera app hai bakwas
-- Shaiskhan, 2026-08-29

### ***** "Very"
Good idea
-- Goswami praveen puri, 2026-08-29

### *---- "Don’t investment"
Don’t use this application because of refund or payment writen ke liye koi reply nahi deta nahi complain solve nahi hoti so be aware and dont use this application for investment frod hai
-- Husen divan, 2026-08-29

### ***** "Nice"
Thank you for budget app
-- diteshkamble, 2026-08-28

### ***** "Very fast"
Good
-- Abdul QAIYUM Ansari, 2026-08-28

### ****- "Good"
Good
-- Abhishek adhana, 2026-08-26

### ***** "Bachatt"
Excellent experience with app
-- beingnikhil, 2026-08-22

### *---- "Money Debiting Machine"
Never enroll with bachat app. You will never get your accumulated money on time. They charge each and every time and give you only small amounts to debit frequently. Inspite of deduction some
Time
Money will come after 3-4 days. After 1 transaction you have to wait for 1-2hr for next withdrawal. Their executives don’t give proper answer why withdrawal request was declined. Never enroll into bachat app. Its better to go for Jar app any other app.
-- rahul_ranjhaa, 2026-08-21

### *---- "fraud app"
fraud app, cant withdraw money and failed payment not refunded in bank account even after 15-20 days
-- Addyz04, 2026-08-16

### ***** "Nice"
Nice
-- Amitrabari, 2026-08-15

### *---- "Sip worst"
Worst app worst saving app i ever seen
-- Bhulla11, 2026-08-14

### *---- "Open fraud"
While setting up new account the app does not show any price but once I set up auto debit mandate for one SIP, app deducted extra amount with no intimation, no explanation or no receipt invoice. Customer care executive said it is compulsory charges and non-refundable while at the same time also accepted that these charges are nowhere shown to the app and not informed to customer.
Had written complaint email but no response and no refund  received.

Update: Another worse experience
Tried using instant withdrawal option. First, it is completely misleading. It allows only partial withdrawal instantly and full withdrawal after two days.
Second, customer care openly ask to share OTP in exchange to withdraw full amount instantly.
Third, customer care does not know the issue where there is error in fund withdrawal process and asks you to do trial and error otherwise wait as they have no solution to provide.
App is trying to fool the users in every possible way.
-- Jitendra Mulay, 2026-08-12

### ***** "Ammu"
Yes
-- Sadamaaa, 2026-08-11

### *---- "Wrost app everyone"
They say KYC is important after you buy fund of RS 101 but the point is no contact for KYC if you ask for KYC status some AI auto typings is there.. i tried on WhatsApp KYC status they reply APKO CYBER CAFE JA KE KYC KARNI HO. Everyday Rs 101 Autopay via my account 900+ Rs paid withdraw 400 Rs still on process 500 + 101 Rs can’t withdraw.. 601 Rs I paid for charity..

Don’t download this app big fraud app..
-- Chirag Saraswat, 2026-08-07

### ***-- "Withdrawal"
Withdrawal process takes very long time it takes 3 days in case emergency it’s not suitable.
Withdrawal process should be instant
-- M.K.S…, 2026-08-06

### ***** "Best"
Best saving app ❤️
-- Anu shelke, 2026-08-03

### ***** "Saving"
Best Offer review Bachatt app
-- It’s always busy, 2026-08-03

[View all Bachatt reviews and detailed analytics on AppTail](https://apptail.io/ru/account/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Bachatt Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Топ бесплатных | Индия | Finance | #18 |
| Топ бесплатных | Индия | Overall | #101 |

## Bachatt Discovered Keywords
- mutual fund
- bachatt

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