Low Returns on FDs
Traditional fixed deposits offer only 3–4% for < 1 year
Short-tenor FDs trade yield for flexibility—safe, but materially below what a liquid, business-grade treasury can target.
Limited Time: Zero Setup Fees
Turn Your Idle Cash Into Smart Returns
Built for startups and small businesses to target 7%+ p.a. on idle cash with 100% safety and next-day liquidity.
Founders invest personally in every recommended instrument.
7%
Minimum annual returns
T+1
Redemption
0
Defaults till date
GRM Treasury
Secure • Liquid
Current Balance
₹ 1,24,80,000
+7.2% p.a.
Sweep-In • Treasury Fund
Today • 10:24 AM
+₹ 20,10,450
Interest Accrual
Yesterday • 9:00 PM
+₹ 8,98,560
T+1 Redemption
Oct 30 • 3:30 PM
+₹ 1,44,90,450
Heads-up
Are you losing 4–5% every year?
Most businesses don’t realize how much they’re losing by keeping funds in current accounts and traditional FDs instead of a yield-optimized, liquid treasury.
Current A/C drag
Traditional FD lock-ins
Opportunity cost
The Hidden Cost of Idle Cash
Indian businesses are losing billions in opportunity costs by parking funds in traditional instruments.
Opportunity Cost
Companies lose ~6–7% annually on unutilized capital
Idle balances create a compounding drag on the bottom line. Redirecting to smart, liquid instruments helps recover this spread.
Lack of Dedicated Treasury Team
Most businesses don’t have the time or team to make money work smarter
Without a dedicated desk, cash defaults to the easiest option: current A/C or short FDs—leaving meaningful yield on the table.
Our Core Principles
We built CAPGILT on two fundamental promises
Designed specifically for startups and small businesses who need security without sacrificing liquidity.
Safety First
Your money’s security is non-negotiable. Every rupee is invested in SEBI-regulated, highly-rated instruments.
SEBI Regulated: Only invest in funds approved and monitored by regulators
AAA/AA+ Rated: High credit quality instruments minimize default risk
Segregated Accounts: Your funds held separately in your name
Bank-Grade Security: 256-bit encryption and multi-factor authentication
Complete Liquidity
Startups need cash flexibility. Access your funds in T+1 day without penalties—because your business can’t wait.
T+1 Redemption: Money in your bank account the next business day
No Lock-in: Withdraw anytime without penalties or restrictions
Partial Withdrawals: Redeem exactly what you need, when you need it
Auto-Sweep: Automatically optimize idle cash for maximum returns
Diversified Portfolio
Diversified Investment Portfolio
We invest your idle cash across carefully selected instruments to maximize returns while maintaining safety and liquidity.
Liquid Funds
6–7%
p.a. returns
Invest in top-rated liquid mutual funds with T+1 redemption. Perfect for short-term parking of surplus cash.
- Next-day liquidity
- Zero risk profile
- SEBI regulated funds
Arbitrage Funds
7–8%
p.a. returns
Invest in arbitrage funds for a better, tax-efficient structure with stable returns and same-day flexibility.
- Next-day liquidity
- Zero risk profile
- Tax at 12.5% or 20% instead of 30%
AIF / PMS Premium
11–12%
p.a. returns
Access exclusive Alternative Investment Funds and Portfolio Management Services for high-return, actively managed strategies.
- Professional management
- Diversified portfolio
- Minimum ₹1 Cr investment
Comparison
Why CAPGILT Beats Traditional Banking
A quick side-by-side of the features and outcomes that matter for your idle cash.
| Feature | CAPGILT | Traditional FD |
|---|---|---|
| Annual Returns | 7–12% p.a. | 4–5% p.a. |
| Liquidity | T+1 Day | Lock-in Period |
| Penalty on Early Withdrawal | None | 1–2% Loss |
| Auto-Sweep Feature | Not Available | Available |
| Real-time Dashboard | Available | Not Available |
Trust
Trusted by Leading Businesses
Join hundreds of businesses already optimizing their treasury management.
SEBI Compliant
Fully regulated and compliant with all SEBI guidelines for institutional investments.
Expert Support
Dedicated relationship managers and 24/7 customer support for all your queries.
Zero Setup Cost
No cost and time involved in onboarding and starting with us.
FAQ
Frequently Asked Questions
Everything you need to know about safety, security, and how CAPGILT works.
Is my money safe with CAPGILT?
Absolutely. We invest only in SEBI-regulated mutual funds, AIFs/PMS, and government securities with AAA/AA+ ratings where applicable.
Funds are held in segregated accounts in your company’s name with SEBI-registered custodians. MIV never has custody—we route investments into
regulated instruments under your ownership.
How quickly can I access my funds?
For liquid funds and most government securities, redemptions are typically processed in T+1 business day.
Certain corporate bond instruments may take longer depending on the issuer/tenor. AIF/PMS products generally have monthly/quarterly liquidity windows.
Partial withdrawals are supported—you can redeem any amount when needed.
What’s the minimum investment amount?
For liquid funds and corporate bonds, the minimum is ₹10 lakhs. AIF/PMS products require a minimum of ₹1 crore per SEBI regulations.
These thresholds are set to stay accessible for growing startups and SMBs while maintaining institutional-grade quality.
How is CAPGILT regulated?
We operate under SEBI’s regulatory framework. All allocations are executed through SEBI-registered mutual funds, AIFs, and portfolio managers with appropriate oversight.
What happens if CAPGILT shuts down?
Your investments remain in your company’s name with SEBI-registered custodians and fund houses. Since MIV does not hold custody,
your holdings stay accessible via the respective fund houses/PMs regardless of MIV’s operational status.
Are returns guaranteed?
No—returns on debt and liquid instruments are not guaranteed and depend on prevailing rates and credit quality.
Historically, client portfolios have stayed within indicative ranges (e.g., 7–12% p.a.) with no defaults observed in our selections to date.
We prioritise safety and liquidity when choosing AIF/PMS/Mutual Fund partners.
How do you make money?
We are compensated by AMCs/AIFs. We do not charge clients any setup fees, transaction fees, or exit loads.
How long does onboarding take?
Typically 2–3 business days. Required documents include PAN, Certificate of Incorporation, Board Resolution, and recent bank statements.
Once verified, you can start investing immediately—our team guides you throughout for a smooth, hassle-free onboarding.
Can I see where my money is invested?
Yes—your dashboard provides full transparency: daily NAV, positions, performance, and detailed portfolio composition.
You can download statements anytime.
Is CAPGILT suitable for early-stage startups?
Absolutely. If you maintain ₹10 lakhs+ in idle cash (fundraise, revenue, or reserves), you should target better yields than a savings account.
With T+1 liquidity on core instruments, you can access funds quickly for salaries, vendors, or growth ops—while earning in the meantime.
Still Have Questions?
Our team is here to help. Schedule a call or send us a message — we’ll get back to you right away.
Don't Let Another Day Pass Losing Money
Talk to the founder directly
100% Risk-Free Trial
- No setup fees
- No long-term contracts
- Cancel anytime
- Money-back guarantee
Got Queries?
Contact Us
If you have any queries, please feel free to reach out to us. You can visit our office, contact us via email or through our social media platforms. Alternatively, simply fill out the contact form, and our dedicated team will get back to you at the earliest.
Visit Us
3rd Floor, 1/4 3A, Main Patel Rd, above Pinjore Restaurant, Block 1, East Patel Nagar, New Delhi, Delhi 110008