Terms of Use

You must be at least 18 years of age, a resident of India, and legally capable of entering into a binding contract to open a BharatVest account.

You are responsible for the accuracy of the information you provide and for keeping your credentials confidential. Activity carried out under your login is treated as your activity.

Completion and approval of KYC is a precondition to committing capital. BharatVest may request additional documents, and may reject or suspend an account where verification cannot be completed.

You must inform us promptly of any change in your identification, address, bank or contact details.

Each plan specifies a fixed tenure, minimum ticket size, indicative rate and risk grade. Indicative rates are illustrative projections, are not a promise of outcome, and may be revised for new commitments.

BharatVest does not offer guaranteed, assured, protected or fixed returns. Your capital is at risk and you may receive less than the amount you invested.

Requests for early exit before the end of a tenure are discretionary and may be subject to charges or refusal.

Agents act as introducers with a unique Agent ID. Agents are not authorised to guarantee returns, accept cash outside platform payment channels, or make representations beyond published plan documentation.

Agent commission is earned on referred business under the agent agreement and is not an investment return. BharatVest may withhold or reverse commission in cases of misrepresentation, mis-selling or fraud.

Applicable fees and charges are disclosed before you confirm a commitment. Payments must be made from a bank account held in your own name and verified during KYC.

You may not use the platform for money laundering, financing of unlawful activity, impersonation, unauthorised access, scraping, or any purpose that breaches applicable Indian law.

To the maximum extent permitted by law, BharatVest is not liable for investment losses, indirect or consequential loss, or loss arising from events beyond our reasonable control.

Nothing in these terms excludes liability that cannot be excluded under applicable law.

These terms are governed by the laws of India and subject to the exclusive jurisdiction of the competent courts in India.

We may update these terms; material changes will be notified in-app or by email, and continued use constitutes acceptance.