--- title: park your spare money canonical_url: https://sanchaykaro.com/park-your-spare-money/ last_updated: 2026-11-14T10:00:34+00:00 plugin_version: 1.2.3 --- # park your spare money Park Your Spare Money · Sanchay Karo Instant access · No lock-in Park Your Spare Money for ============================= Idle funds shouldn't sit idle. Invest in overnight & liquid funds with the flexibility to withdraw anytime — up to **₹50,000 or 90%** of your investment, whichever is lower. [ Get the App](https://play.google.com/store/apps/details?id=com.sanchaykaro.sanchay&pcampaignid=web_share) [ Check My Limit](#calculator) AMFI ARN-301757 Paperless KYC SEBI-regulated funds **Why park with us**LIVE **Anytime withdrawal**Subject to instant redemption rules **Low-risk fund categories**Overnight & liquid **Start from ₹500**No lock-in period **AMFI registered**ARN-301757 **₹0**Max instant withdrawal **0%**Of investment value **₹0**Minimum to start **0 Min**Quick onboarding Why [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "Sanchay Karo")Why park your spare money with us? ---------------------------------- Aim for better potential returns on idle funds without giving up liquidity. ### Idle funds earn little Savings accounts offer minimal interest. Overnight and liquid funds aim to do better while keeping money accessible. ### Anytime access No lock-in. Redeem instantly up to ₹50,000 or 90% of your investment (whichever is lower) when you need it. ### Low volatility These funds invest in ultra-short-term instruments, so they are generally less volatile than equity or long-duration debt funds. ### 100% digital Paperless e-KYC and everything managed from the Sanchay Karo app – no branch visits. ### Your name, your folio Units are allotted in your own folio with the AMC – never held by Sanchay Karo. ### Human support Talk to our team or book a 30-minute meeting any time you need help. Your instant withdrawal limit ----------------------------- Drag the slider to your parked amount. Limit = lower of ₹50,000 or 90%. Amount parked**₹40,000** ₹10K₹40K₹55K₹1L₹3L You can withdraw instantly ₹36,000 90% of your amount Balance: regular redemption Simple & Digital How to park your spare money ---------------------------- Five simple steps – they light up automatically. 1### Download the App Get the Sanchay Karo app free from Google Play or the App Store. 2### Do KYC & Mandate Complete paperless KYC with Aadhaar & PAN and set up your e-mandate. 3### Click Goal Based Investment Open the Goal Based Investment section inside the app. 4### Click Park Your Spare Money Select the “Park Your Spare Money” goal from the list. 5### Choose Monthly or One-time Pick a monthly or one-time investment, enter the amount and complete your payment. Perfect For What will you park money for? ----------------------------- Emergency cushion Upcoming bills Bonus & incentive Travel plans Wedding & festivals Waiting to invest in SIP Business surplus School fees FAQ Quick answers ------------- How much can I withdraw instantly?On eligible funds, instant redemption is limited to the lower of ₹50,000 or 90% of your investment value, per investor, per day, per mutual fund. Example: if you have parked ₹40,000, the instant limit is ₹36,000; if you have parked ₹2,00,000, it is ₹50,000. Is there a lock-in period?No. You can redeem anytime. Some funds may charge a small graded exit load for very early redemption, so check the scheme documents. How fast do I get my money?Instant redemption, where available, is typically credited quickly; regular redemption is usually credited by the next working day (T+1), subject to bank processing. Instant redemption may not be available for all funds at all times. Can I withdraw more than ₹50,000?Yes. Amounts above the instant limit can be redeemed through the regular redemption process. Are returns guaranteed?No. Overnight and liquid funds are low-risk but not risk-free, and returns are not guaranteed. Please read all scheme-related documents carefully. Who holds my units?Units are allotted in your own folio with the AMC and appear in your CAS from CAMS/KFintech. Sanchay Karo does not hold your money or units. Ready to put your spare money to work? -------------------------------------- Choose how you'd like to get started – download the app, talk to our team or book a quick meeting. [ Download App](https://play.google.com/store/apps/details?id=com.sanchaykaro.sanchay&pcampaignid=web_share) [ Talk to SanchayKaro](https://sanchaykaro.maxwealth.money/lead/H5hnxbQi) [ 30 Min Meeting](https://calendly.com/financialfreedoom/30min)#### Important notes & risk disclosure - Instant redemption is subject to SEBI guidelines and fund-specific rules. The limit is the lower of ₹50,000 or 90% of the investment amount, per investor, per day, per mutual fund. - Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. - Past performance does not guarantee future returns. Overnight and liquid funds are not risk-free. - Regular redemption proceeds are typically credited within T+1 working day, subject to bank processing times. Instant redemption may not be available for all funds at all times. - Sanchay Karo is an AMFI-registered mutual fund distributor (ARN-301757). We do not provide investment advice. - This page is for information only and is not an offer or solicitation to invest.