BachatX — Turn everyday spending into financial progress

ILLUSTRATIVE REWARD RATES • AMAZON 4% • MYNTRA 7% • SWIGGY 5% • FLIPKART 4.5% • BIGBASKET 6% • MAKEMYTRIP 3% • ILLUSTRATIVE REWARD RATES • AMAZON 4% • MYNTRA 7% • SWIGGY 5% • FLIPKART 4.5% • BIGBASKET 6% • MAKEMYTRIP 3% •

// how it works

Five steps, and you stay in control.

Set it up once. Eligible shopping generates rewards, and you choose the financial goal each reward supports.

Shop

Buy eligible products or vouchers from participating brands — same spend, same price.

Earn

Receive a BachatX Reward based on the eligible transaction, funded by participating merchants.

Choose your goal

Direct eligible rewards toward your home-loan principal or another permitted financial goal.

Invest separately

If you choose mutual funds, you independently select the scheme and invest through the applicable investor-payment route.

Track progress

See rewards and financial progress in one place. Adding your home-loan details securely helps BachatX track it — BachatX does not require your internet-banking password.

// the rewards engine

Rewards designed for a financial goal — not ordinary spending.

Ordinary rewards leak back into everyday spending. BachatX Rewards are intended to be directed toward your home-loan principal, subject to the lender’s applicable process.

Built for your goalRewards are designed to support a financial goal you select, rather than day-to-day spending.

Directed to principalYour eligible reward can be directed toward your home-loan principal. When the applicable reward threshold is reached, BachatX facilitates the next step under the lender’s approved payment/prepayment process.

Works in your favour over timeApplying amounts toward principal earlier may reduce total interest and/or tenure, subject to your loan terms and lender treatment.

BachatX Reward Balance goal-linked

₹460

Intended for your selected financial goal

AAmazon

+ ₹80

MMyntra

+ ₹140

SSwiggy

+ ₹55

BBigBasket

+ ₹185

Next eligible reward application at ₹500 · ₹40 to go

// illustration

Small amounts, applied early.

Illustration: for a ₹45 lakh home loan at 8.5% for 20 years, applying additional amounts toward principal may reduce total interest and/or tenure.

~₹1.84L

Example interest reduction, subject to the stated assumptions and lender treatment

~14 mo

Example shorter tenure under the same illustration

₹0

No extra spending required to earn eligible rewards

🔒 Bank-grade security 🇮🇳 Data stored in India ✓ Designed around applicable banking, payments and financial-distribution requirements ↗ Loan prepayments are processed through the applicable lender-approved payment mechanism

// where rewards come from

Merchant-funded rewards, kept separate from mutual funds.

BachatX Rewards are earned from eligible shopping activity with participating brands. They are funded from BachatX’s commercial arrangements with participating merchants and are separate from any mutual-fund distribution commission. A customer does not need to invest in a mutual fund to earn an eligible shopping reward.

Rewards

Funded by merchants

Eligible shopping activity can generate BachatX Rewards. Investment decisions are separate.

Not a rebate

No commission pass-back

BachatX Rewards are not a rebate or pass-back of mutual-fund distribution commission.

Investing

Your choice, independently made

Use BachatX to explore and invest in mutual funds you independently choose. Rewards are not calculated by reference to any investment, AMC, scheme or commission.

Let your everyday shopping work toward your home loan.

Join BachatX and direct eligible rewards toward your home-loan principal, subject to your lender’s applicable process.

Get started free

Spend like you already do. Turn eligible rewards into progress toward your home loan.

You shop a participating brand

You earn a BachatX Reward

You direct it to your goal