For company surplus from ₹5 lakh

Company cash in FDs? Try liquid funds.

No lock-in. Withdraw any amount, usually the next business day.

₹5,000One-time fee. No recurring charges.
₹lakh
No lock-inRefundable fee
₹5,000One-time fee. No recurring charges.BSE StAR MFAMFI-registered, ARN-364831
500+ companies run their finance on Pazy
  • Pilgrim
  • Inc42
  • Mygate
  • Plum
  • Fibe
  • UrbanPiper
  • Jar
Why liquid funds

It isn’t the rate. It’s the access.

No lock-in
T+1

Withdraw any amount, usually the next business day.

No penalty
0%

Exit load from day 7. Breaking an FD costs 0.5% to 1%.

No tenure
1 day+

Park cash for days. FDs start at 7 days and pay the least then.

Spread risk
Many issuers

Not one bank. Deposit insurance covers only ₹5 lakh per bank.

Fixed deposit and liquid mutual fund compared
Fixed depositLiquid fund
Lock-in7 days minimumNone
Break earlyRate cut 0.5% to 1%No exit load from day 7
Withdraw partBreak the depositAny amount
Money sits withOne bankMany issuers
ReturnsFixedMarket-linked
Already how institutions do it
89%

of liquid and money-market fund assets are held by institutions.

Your money, your name

Units sit in your company’s folio.

  1. Your bank
  2. BSE StAR MFBSE StAR MF
  3. Fund house

Pazy never holds your money. AMFI-registered, ARN-364831

Funds from India’s largest fund houses
  • HDFC Mutual Fund
  • ICICI Prudential Mutual Fund
  • Nippon India Mutual Fund
  • SBI Mutual Fund
  • Kotak Mutual Fund
  • Aditya Birla Sun Life Mutual Fund
How it works

Three steps. One fee.

01

Verify your company

With your GSTIN.

02

Answer a few questions

About your company and surplus.

03

Pay ₹5,000 once

Refunded if KYC is rejected.

Questions

Before you start.

How fast can we withdraw?

Usually the next business day, for any amount.

Can we lose money?

Liquid funds are market-linked, so returns are not guaranteed. They hold short-term debt maturing within 91 days.

Do we have to break our FDs?

No. Start with new surplus, or with FDs as they mature.

What does it cost?

Only a one-time fee of ₹5,000. No recurring charges. Your investment is separate.

What if our KYC is rejected?

We refund the ₹5,000.

Who holds our money?

Your units sit in your company’s folio with the fund house. Pazy never holds it.

How much surplus do we need?

From ₹5 lakh.

Pricing

Only one-time fee of ₹5,000. No recurring charges.

Refunded if KYC is rejected. Your investment amount is separate.

Transactions viaBSE StAR MF

Pazy is an AMFI-registered mutual fund distributor (ARN-364831). Transactions via BSE StAR MF. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Returns and capital are not guaranteed. Pazy distributes mutual funds; this page is not investment, tax or legal advice.

Fine print

Withdrawal: liquid-fund redemptions follow scheme cut-offs, exit loads and settlement rules; T+1 means the next business day, and holidays can affect access. Exit load per SEBI (Oct 2019): 0.0070% on day 1 falling to 0.0045% on day 6, nil from day 7 (source). FD penalties are each bank’s policy (HDFC Bank 1%, SBI 0.5% or 1% below the applicable rate); FDs withdrawn within 7 days typically earn no interest (HDFC Bank rates, SBI rates).

Deposit insurance: DICGC covers ₹5 lakh per depositor per bank (RBI FAQ). Liquid funds invest in securities maturing within 91 days and hold at least 20% in cash, government securities, T-bills and repo on government securities (SEBI). 89%: AMFI, August 2025; institutions include domestic and foreign institutions and banks.

Liquid funds are market-linked; returns and capital are not guaranteed. Past performance does not predict future returns. Review the Riskometer, costs and scheme documents before investing. Fund expenses and any exit loads are set by the fund. The fund-house logos are AMCs whose schemes are available on BSE StAR MF; no scheme is recommended.

500+ companies use Pazy’s finance platform; logos are Pazy platform customers. Registration and security credentials do not guarantee returns or protect against market losses. Pazy distributes mutual funds; this page is not investment, tax or legal advice.

₹5,000 one-time feeNo recurring charges
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