Frequently asked questions
Everything you need to know before and after you invest.
Getting started
Who can invest with FundGrowth?
Indian residents aged 18+ with a PAN and bank account, and Indian entities (companies, LLPs, partnerships, trusts, societies, HUFs) through an authorised signatory.
How do I open an account?
Tap Open Account on this site or in the Android app, enter your details, choose Individual or Corporate and complete KYC. You receive a permanent customer ID (FMS-series for individuals, FMC-series for corporates).
Which documents do I need for KYC?
Individuals: PAN, Aadhaar/address proof and bank proof. Corporates: company PAN, incorporation certificate, GST, board resolution, signatory ID and cancelled cheque. See the KYC Policy.
How long does KYC take?
Usually within one working day of uploading complete documents. You're notified in-app and by email.
Investing
What is the minimum investment?
From ₹10,000, set per bond. Corporate minimums may differ and are shown in the app.
How do I pay?
Bank transfer (NEFT / RTGS / IMPS / UPI) from an account in your name to the FundGrowth account shown in the app, then upload the receipt. Your investment is confirmed once the payment is reconciled.
Is the interest rate fixed?
Yes. The rate at the time of confirmation is recorded on your certificate and does not change for the tenure.
When is interest paid?
Per the bond's payout frequency — monthly, quarterly, yearly or on maturity — directly to your registered bank account, with the UTR shown on your statement.
Is TDS deducted?
Where applicable under Indian tax law, TDS is deducted and reflected on your statement. Please consult your tax adviser.
Withdrawals & maturity
What happens at maturity?
Your principal and any final interest are paid to your registered bank account. You can also choose to reinvest in a new bond.
Can I withdraw early?
Only where the bond allows early exit. Submit a request in the app; it is reviewed and released through a maker–checker approval, and you can track every step on the timeline.
How long do withdrawals take?
Typically 3–7 working days after approval, depending on your bank.
Statements & security
Where do I see my statement?
App → Statement. It shows opening balance, total invested, credits, debits, interest, live investments and a running balance, with PDF/CSV download and email.
How is my data protected?
Encrypted storage, role-based access, maker–checker approvals and an immutable audit log. We never ask for your password or OTP. See the Privacy Policy.
Can I delete my account?
Yes — see Account deletion.
Help
How do I contact support?
Raise a ticket in the app (Profile → Support), email support@fundgrowth.in, or use the contact form. Mon–Sat, 10:00–18:00 IST.