Bachatt secured $12 million in Series A funding led by Accel, with Lightspeed and Info Edge Ventures participating.
The platform targets India's 300 million self-employed individuals and merchants with micro-savings starting at ₹100.
Currently at 3 million users, the startup aims to scale its user base to 30 million within the next 12 to 24 months.
The fresh capital will fund the rollout of proprietary AI-led wealth advisory tools and tailored credit solutions.
By capturing daily savings data, Bachatt is building an alternative underwriting engine to offer credit to non-salaried workers.
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