Our Financial Wellness App
Empowering next 400+ Million Emerging Indians With Technology
Savings
BadhatX offers a flexible savings solution tailored for those with unpredictable incomes. Easily customize your savings plan to meet your unique financial commitments. Gain the financial resilience needed for a secure present and prosperous furure in the digital age
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Our Story
Led by the belief that anyone can grow
We at BadhatX aims to ease the lives of Small and Medium size businesses of India by helping them save money effectively and efficiently. Today, technology in Finance sector has transformed a lot of processes like payments, investments, loaning. However, the basic foundation of Finance is still dependant on Saving and that is where we come into picture. Three IIT Kharagpur Alums, with a vision to help you accomplish your monetary saving missions; one day, one month, one year at a time. We enable you to save without it coming out at a cost of your day today expenses. It takes nothing but a right saving goal and a right team working to achieve your goal every day
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Is BadhatX safe to use?1. The money that you invest in BadhatX is transferred to our partner - a RBI regulated P2P NBFC platform 2. Our partner then lends this money to a wide range of pre-verified, high-creditworthy individuals that have been thoroughly assessed by them on 200 parameters 3. The interest earned from these loans is collected by our partner and is then transferred back to BadhatX users The whole process is overlooked by RBI and is therefore safe. Robust credit assessment policies are implemented to ensure the risk is as low as possible. Our lending partner is audited by RBI and you can always check your investment by going to your BadhatX portfolio. P2P lending is a safe & efficient loan mechanism where the lender's capital is given to creditworthy borrowers with credit score of 750 or above. So far, 100% of the investors in BadhatX Users have earned 9% returns on their investments. But like any other investment, returns on Spenny Wise are subject to some risks and cannot be guaranteed
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When can I withdraw my money?We offer instant withdrawal with no lock-in period. Once you submit your withdrawal request, it will be processed within a few hours and the funds will be transferred to your bank account via NEFT. Please note that depending on your bank, it may take up to 3 days for the funds to be credited to your account.
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Where is my money being invested?Through our investment product punji,your money is being invested in P2P lending, which is carried out by our partner Lendbox, which is a RBI-certified P2P-NBFC. NBFC-P2P is a new class of NBFC, for non-banking institutions which carry on the business of Peer to Peer Lending. P2P Lending, is the practice of borrowing and lending money through an online marketplace like lendbox. For more details visit - https://www.lendbox.in/nbfc-p2p
