Bachatt

What Bachatt does

Bachatt (operated by Trusave Fintech Private Limited) is a Gurgaon-based, AI-led savings and wealth management platform targeting India's 300 million+ self-employed and merchant segment, including kirana shopkeepers, gig workers, freelancers, and small-business owners earning ₹30,000–₹70,000 per month with irregular cashflows. The mobile-first application enables users to set up daily, weekly, or monthly SIPs starting from ₹51–₹100 via UPI AutoPay into debt and liquid mutual funds distributed through partner AMCs (SBI, ICICI Prudential, Axis, HDFC, Aditya Birla Sun Life), with instant UPI-style withdrawals on liquid funds, digital gold/silver investments, and access to personal and business loans up to ₹5 lakhs facilitated through RBI-registered NBFC partners (Western Capital Advisors, Muthoot FinCorp, L&T Finance, Prefr, Moneyview, Kissht). On the technology side, Bachatt operates as an AMFI-registered mutual fund distributor (ARN-321640) and RBI-compliant Lending Service Provider/Digital Lending Application, integrating with the Account Aggregator framework, DigiLocker, credit bureaus, and Gmail-based MF statement retrieval, and is secured by ISO 27001:2022, CISA, Google CASA, and PCI DSS certifications.

Bachatt's underlying AI stack includes the Riddhi generative-AI wealth co-pilot (trained on Indian markets and tax rules), a Basket Optimizer recommendation engine that monitors 4,000+ MF schemes on 100+ parameters with auto-rebalancing and tax-loss harvesting, and a 30-second AI credit-eligibility engine. In May 2026 the company launched a separate Wealth Optimizer platform (wealth.bachatt.app) comprising the Basket Optimizer, Mutual Fund Analyzer, Stock Analyzer, and Riddhi advisor, with a freemium tier and a paid ₹99/month Wealth subscription plus a bespoke Private tier for ₹50L+ portfolios. Revenue is generated primarily through MF distribution commissions built into scheme expense ratios, with secondary streams from loan facilitation/processing fees (0–5%) and an emerging subscription tier; the company is pre-profitability and has raised $16 million across an April 2025 seed round (Lightspeed, Info Edge Ventures) and a March 2026 Series A led by Accel to scale from 3 million to a targeted 30 million users.

Name

Bachatt

Legal name

Trusave Fintech Private Limited

Website

https://bachatt.app

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

51–100 employees

Short description

Bachatt is an AI-led mobile savings and wealth platform serving India's self-employed and merchant segment with daily UPI-powered SIPs, instant liquid-fund withdrawals, AI-driven wealth advisory (Riddhi co-pilot, Basket Optimizer), and facilitated personal/business loans, operating as an AMFI-registered MF distributor and RBI-compliant LSP.

Ownership category

akta.pro rank

Product category

Digital Wealth Management & Savings

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG)

akta.pro secondary industries

Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC), Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE)

Keywords

• Daily savings app
• Mutual fund distribution
• Wealth management platform
• AI investment advisor
• Digital lending

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Mutual Fund Distribution Commission: Bachatt distributes regular plans of mutual fund schemes and earns commission from AMCs built into the scheme's expense ratio. This is the primary revenue stream, enabled by AMFI registration (ARN-321640).
2. Loan Facilitation / Lending Service Provider: Bachatt operates as a Lending Service Provider (LSP) and Digital Lending Application (DLA) in partnership with RBI-registered NBFCs. Earns facilitation fees from loan products offered through the platform (personal loans up to ₹5 lakhs).
3. Premium Subscription (Wealth Tier): Wealth subscription tier at ₹99/month offering unlimited AI advisor access, auto-rebalancing, tax-loss harvesting, and dedicated wealth management features. Starter tier is free.
4. Loan Processing Fees: Processing fees of 0%-5% of loan amount (+ applicable GST) charged on personal loans facilitated through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Bachatt (Trusave Fintech Private Limited) operates a mobile-first AI-powered savings and wealth management platform targeting India's 300 million+ self-employed and merchant segment. The platform enables users to start daily systematic investment plans (SIPs) from ₹100/day via UPI AutoPay into liquid and debt mutual funds from SEBI-regulated AMCs, build curated wealth baskets, invest in digital gold and silver, and access personal/business loans up to ₹5 lakhs facilitated through RBI-registered NBFC partners. Its companion Wealth Optimizer (wealth.bachatt.app) adds AI-driven portfolio construction, fund/stock analysis, and the Riddhi conversational wealth co-pilot.

Product overview

Bachatt is an AI-led savings and wealth platform operated by Trusave Fintech Private Limited, targeting India's 300 million+ self-employed and merchant segment. The company offers a unified multi-product platform organized around daily savings and wealth growth. The core product is the Bachatt App — a daily savings companion enabling UPI-powered investments starting from ₹100/day into liquid mutual funds (Insta Fund), with additional modules for Gold & Silver investments and personal/business loans (Insta Loans). Building on this savings foundation, Bachatt launched its AI-powered Wealth Optimizer platform (wealth.bachatt.app) in May 2026, which includes a Basket Optimizer for curated mutual fund portfolio construction, the Riddhi AI wealth co-pilot for conversational investment advice and portfolio insights, a Mutual Fund Analyzer for fund-level deep dives, and a Stock Analyzer for equity analysis. All products are distributed through the company's AMFI-registered mutual fund distribution license (ARN-321640), with lending services facilitated through RBI-registered NBFC partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Bachatt App (Main App) Mobile application enabling India's self-employed and merchant segment to save daily from ₹100 via UPI into debt mutual funds, invest in curated MF baskets, purchase digital gold and silver, and access personal/business loans — all from a single UPI-powered interface.
• Insta Fund (Liquid Mutual Fund) Liquid mutual fund savings product allowing users to accumulate wealth daily from ₹100 with instant, UPI-style withdrawal, offering market-linked returns with no lock-in as a SEBI-regulated alternative to bank fixed deposits.
• Wealth Optimizer AI-powered wealth management platform offering curated mutual fund baskets, portfolio optimization, fund and stock analysis, and the Riddhi AI wealth co-pilot; monitors 4,000+ MF schemes on 100+ parameters to provide investment recommendations and automated portfolio rebalancing for first-time and experienced investors.
• Gold & Silver (Digital Gold & Silver Mutual Funds) Digital Gold & Silver mutual fund investment product allowing users to invest in 24K-equivalent units with 0% GST, no making charges, fully digital purchase, SEBI-regulated, no lock-in, and anytime withdrawal.
• Insta Loans (Personal & Business Loans) Personal and business loan product offering up to ₹5 lakhs approved instantly with daily/weekly/monthly repayment options, AI-powered 30-second eligibility check without bureau ping, and loans facilitated through RBI-approved NBFC partners.

Quantifiable outcome

• 3 million+ users acquired since May 2025 launch
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability8 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• SBI Mutual FundcoreTechnology or IntegrationPartner AMC for debt mutual fund distribution. Enables Bachatt users to invest in SBI debt schemes through the platform with direct AMC investment routing.
• ICICI Prudential Mutual FundcoreTechnology or IntegrationPartner AMC offering liquid mutual fund schemes (Insta Fund) with instant redemption capability. Direct integration for daily SIP investments.
• Axis Mutual FundcoreTechnology or IntegrationPartner AMC for debt mutual fund distribution. One of three primary AMCs providing schemes for Bachatt's daily savings solution.
• Western Capital Advisors Private LimitedcoreTechnology or IntegrationRBI-registered NBFC providing unsecured business loans (₹10,000-5 lakhs) through Bachatt platform. Processing fee 0%-5% with APR 12%-36% p.a.
• Muthoot FinCorp LimitedcoreTechnology or IntegrationRBI-registered NBFC (NBFC) partner for personal loans (Insta Personal Loan with EDI) facilitated through Bachatt as LSP/DLA.
• Account Aggregator Framework (RBI-licensed)coreTechnology or IntegrationRBI-licensed Account Aggregators enabling secure bank statement data fetching with borrower consent via the Account Aggregator framework for credit assessment.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Groww: India's largest retail mutual fund and stock investing platform with 6M+ active investors. Direct competitor to Bachatt offering mutual fund distribution, equity trading, and increasingly personalized wealth tools, though primarily serving salaried monthly-SIP users rather than daily-savings self-employed.
• INDmoney: Super-money app offering mutual funds, stocks, fixed deposits, US stocks, and loans in one platform. Closest direct peer to Bachatt in product breadth — both target mass-affluent Indians with multi-product wealth + credit offerings.
• Kuvera: Direct-plan mutual fund platform with curated goal-based portfolios and tax-efficient investing tools. Comparable to Bachatt's Wealth Optimizer and Basket Optimizer offerings, though more established in the urban salaried segment.
• ETMONEY: Times Internet-owned wealth management app offering mutual funds, stocks, loans, and insurance. Competes head-on with Bachatt's integrated savings + wealth + credit stack, with similar multi-product monetization approach.
• Zerodha (Coin): Zerodha's direct-plan mutual fund platform serving its 7M+ active trader base. Direct competitor on MF distribution; differs from Bachatt by primarily serving existing Zerodha trading users rather than net-new self-employed savers.
• Smallcase: Thematic and curated portfolio platform offering model baskets across equities and ETFs. Comparable to Bachatt's Basket Optimizer feature, though focused on equities/themes rather than mutual fund-led wealth building.
• Fisdom: Integrated wealth platform offering mutual funds, stocks, and insurance with a strong focus on advisory-led investing. Comparable to Bachatt on multi-product stack and tier-2/3 India expansion strategy.

Broad incumbents

• Paytm Money: Paytm-owned investment platform offering mutual funds, stocks, IPOs, and NPS at scale. Broader incumbent with wider product portfolio and the Paytm distribution flywheel; overlaps with Bachatt in mutual fund distribution and personal loans.
• PhonePe (Investment Products): PhonePe's investment and wealth vertical built on its UPI rails and 500M+ user base. Operates mutual fund distribution with similar micro-investing positioning to Bachatt, and can leverage far larger customer acquisition channels.

Emerging players

• mStock: Zero-brokerage trading and mutual fund platform from Mirae Asset. Emerging player using parent AMC distribution plus aggressive pricing to compete with Groww and Zerodha — partial overlap with Bachatt in MF distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bachattapp

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bachatt